Auto Insurance Score - Can Someone Please EXPLAIN?

[SquidBilly]

My FICO scores are in the 760 range and have been that way for a couple years now. I never paid much attention to the CK Auto Ins Score but took a look today. WTH? It was 805 with a rating of "POOR"! I have an excellent driving record! I understand CK "Is what it Is" but I find this very confusing. Can someone please shed some light on this subject?
Thanks,
Paul

[Anonymous]

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@SquidBilly wrote:

My FICO scores are in the 760 range and have been that way for a couple years now. I never paid much attention to the CK Auto Ins Score but took a look today. WTH? It was 805 with a rating of "POOR"! I have an excellent driving record! I understand CK "Is what it Is" but I find this very confusing. Can someone please shed some light on this subject?
Thanks,
Paul

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Yes, ignore the score.  It's meaningless

[takeshi74]

As the CK site indicates, the score has nothing to do with your driver record.  It is based on the data in your credit report.  Your FICO's are also irrelevant.  The auto insurance score is looking and weighing your credit differenty as it is trying to gauge your likelihood of filing a claim based on that data -- not extending credit.

https://www.creditkarma.com/auto-insurance-score

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@SquidBilly wrote:

I understand CK "Is what it Is" but I find this very confusing.

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If you understand then stop worrying about it.  That is, unless your insurance company actually uses CK's insurance scores.

[SquidBilly]

Gotcha... The rating of "POOR" just freaked me out. I have been working very hard NOT to see that word. Lol
Thanks..

[Anonymous]

Where are you seeing the auto insurance score in CK? When they changed the site it disappeard and I can't seem to find it.

[Anonymous]

N/M, I'm blind!