US Patent 7933787 Insurance credit model

A system and method are disclosed for furnishing a quote for an insurance product for a user. In one embodiment, the method includes receiving a request from a user for a quote for an insurance product. The request includes an identification of a coverage option and a user identifier. Upon receipt of the request, the system retrieves user credit information based on the user identifier and selects one or more values from the user credit information associated with pre-selected variables related to the selected coverage option. The system then employs the values of the pre-selected variables to calculate a user's insurance credit score for the coverage option.