We use information from you and and other sources, such as driving, claims, insurance score, and credit histories to calculate accurate insurance prices. By Submitting Your Information to our website you are allowing us to order background information reports such as e-mail verification, phone number verification, insuarance score, soft credit check, MVR (Motor Vehicle Reports), and C.L.U.E. (Comprehensive Loss Underwriting Exchange) reports, Carrier Discovery, Data Pre-Fill, and / or Fire and Disaster Response Score, Driver Discovery, Claims Discovery, Insurance Presceen. These reports make sure that we are delivering an accurate rate.