How does improving my credit score this year affect my monthly auto insurance rates in states that allow credit based scoring
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does improving my credit score this year affect my monthly auto insurance rates in states that allow credit based scoring
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 credit-based insurance scores auto insurance state laws Virginia California Maryland Massachusetts Michigan Hawaii Google ↗
2026 credit based auto insurance scoring states prohibited restrictions state insurance departments NAIC consumer guidance Google ↗
- Credit-Based Insurance Scores · content.naic.org
- Credit scores and insurance · insurance.wa.gov
- Virginia SCC · scc.virginia.gov
- Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums · content.naic.org
- § 38.2-2234. Insurance credit score disclosure; use of credit information · law.lis.virginia.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 credit-based insurance scores auto insurance state laws Virginia California Maryland Massachusetts Michigan Hawaii OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 credit based auto insurance scoring states prohibited restrictions state insurance departments NAIC consumer guidance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |