Information Disclosure: To provide a quote, we will collect information from consumer reporting agencies, such as driving record and claims history reports.  We will also review your credit report and use a credit-based insurance score based on information contained within that report.  An insurance score uses information from your credit report to predict how often you are likely to file claims and how expensive those claims will be.  Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, length of reported credit history, number of loans and accounts with current payment status, and number of inquiries.  The information used to develop the insurance score comes from one of the following consumer reporting agencies: Experian, TransUnion or Equifax.  Future reports may be used to update or renew your insurance.