Can you explain how insurance companies use my credit score to calculate my monthly premium and which states actually ban the practice
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you explain how insurance companies use my credit score to calculate my monthly premium and which states actually ban the practice
2 real searches · 1 real-search pass
2026 state laws prohibit use of credit-based insurance scores auto homeowners insurance states ban credit scoring insuranceGoogle ↗
OBSERVED
NAIC credit based insurance scores how insurers use credit information factors prohibited states California Hawaii Massachusetts Michigan Oregon Utah MarylandGoogle ↗
OBSERVED
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
2026 state laws prohibit use of credit-based insurance scores auto homeowners insurance states ban credit scoring insurance Google ↗
NAIC credit based insurance scores how insurers use credit information factors prohibited states California Hawaii Massachusetts Michigan Oregon Utah Maryland Google ↗
- Insurance Topics | Credit-Based Insurance Scores · content.naic.org
- PPA Insurance Affordability (HB 1098) Workgroup · insurance.maryland.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
- STATE_ · content.naic.org
- credit-history-auto · insurance.maryland.gov
- Nevada Division of Insurance · doi.nv.gov
- Illinois Department of Insurance – Credit and Insurance · idoi.illinois.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 state laws prohibit use of credit-based insurance scores auto homeowners insurance states ban credit scoring insurance OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
NAIC credit based insurance scores how insurers use credit information factors prohibited states California Hawaii Massachusetts Michigan Oregon Utah Maryland OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |