MAX builds its rate structure with various levels of discounts applied based on a variety of factors such as prior claim history, age of home and insurance score among others.  Those with the highest insurance scores receive the highest discounts for that factor.  Therefore, while you may have great credit, you may not be getting our highest discount since your insurance score did not fall in the most favorable insurance score range. As a result, your state requires that we send a notice to alert you of this fact.