Most insurance companies use factors such as driving record, prior loss history, and vehicle type along with credit information in determining your automobile insurance premium. In fact, according to a study by Conning Research and Consulting Inc., 92% of insurers use credit based insurance scores (Insurance Scoring in Personal Automobile Insurance - Breaking the Silence, Conning & Co., 2001). You may have questions about why insurers use credit information and how do they use it. We are providing some frequently asked questions and answers below, to help you to better understand how and why insurance companies, including Liberty Mutual, use credit information