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.

Abstract: Methods, systems, and mediums for calculating a score that predicts customer activity in the future such as whether the customer will make a purchase, visit a store, etc., or how much money the customer will spend, how many times the customer will shop, etc., are provided. In certain embodiments, these methods and systems collect demographic data and transactional data for customers, summarize at least on variable in the demographic data and the transactional data and attach the summary data to each customer, apply a statistical algorithm to the demographic data, the transactional data, and the summary data to create a model of a target variable related to customer activity and/or loyalty, derive a score for each of the customers from the model, select some of the customers based on the scores, and market directly to the selected customers.