Patent ID: 7933787

Claim:
A method of furnishing a quote for an automobile insurance product for a user comprising: receiving a request from a user for a quote for an automobile insurance product, wherein the request includes a user identifier and an identification of a coverage option selected from the group consisting of bodily injury, property damage, personal injury protection, comprehensive, collision, uninsured motorist, liability, physical damage, and combined coverage; retrieving user credit information based on the user identifier, the user credit information having a plurality of attributes, each attribute having a value, wherein each coverage option is associated with a subset of attributes; selecting from the user credit information the values of the subset of attributes associated with the identified coverage option; generating by a computer weight factors associated with the selected values; inputting the selected values and the weight factors into an insurance credit score algorithm to calculate by a computer a user insurance credit score for the selected coverage option; inputting the calculated user insurance credit score into an insurance quote algorithm to calculate by a computer a quote for the automobile insurance product; and providing the quote for the automobile insurance product to the user.