How do insurance companies calculate risk factors like my credit score and zip code when determining my monthly rate
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do insurance companies calculate risk factors like my credit score and zip code when determining my monthly rate
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
Tennessee Department of Commerce and Insurance auto insurance credit score ZIP code rating factors consumer guide Google ↗
NAIC credit based insurance scores consumer auto insurance territory rating factors Google ↗
- Consumer Auto · content.naic.org
- Insurance Topics | Auto Insurance · content.naic.org
- Tennessee Code § 56-5-207 (2025) - Disclosure of intention to use credit information :: 2025 Tennessee Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- A Consumer’s Guide · tn.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Tennessee Department of Commerce and Insurance auto insurance credit score ZIP code rating factors consumer guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
NAIC credit based insurance scores consumer auto insurance territory rating factors OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |