Abstract: A system and method is provided for acquiring and storing insurance-related data, such as insurance payment data, insurance coverage data, and insurance claim data, in a credit data database, coverage data database, and/or claim data database, and analyzing for the creditworthiness of an individual based on the insurance-related data and credit-related data. A credit data record of an individual may be determined, based on received insurance-related data. The insurance-related data may be stored in the credit data database, the coverage data database, and/or the claim data database. In response to a request for a credit risk analysis, the credit-related data and insurance-related data can be retrieved and the credit risk analysis can be performed. Customers can obtain an improved and more accurate risk assessment of the individual based on the credit-related data and insurance-related data related to the individual.

Abstract: A system and method is provided for acquiring and storing insurance-related data, such as insurance payment data, insurance coverage data, and insurance claim data, in a credit data database, coverage data database, and/or claim data database, and analyzing for the creditworthiness of an individual based on the insurance-related data and credit-related data. A credit data record of an individual may be determined, based on received insurance-related data. The insurance-related data may be stored in the credit data database, the coverage data database, and/or the claim data database. In response to a request for a credit risk analysis, the credit-related data and insurance-related data can be retrieved and the credit risk analysis can be performed. Customers can obtain an improved and more accurate risk assessment of the individual based on the credit-related data and insurance-related data related to the individual.

Abstract: A method is provided for generating an insurance premium quote for a consumer seeking insurance coverage for a vehicle. The method determines a vehicle score indicative of a likelihood of a future auto insurance claim for the vehicle, wherein the vehicle score is based on both VIN based data and historical data of the vehicle. The method determines an insurance score for the consumer, based on at least one of a credit score, a driving record and a claim record. The method further generates the insurance premium quote based on the determined vehicle score and the insurance score.