Like a credit score used by banks, insurance scores rate your risk (how financially stable you are) since research has shown that people who are in better shape credit-wise tend to file less insurance claims.
whathappensnow.com/sec_item.cfm?sec_uid=96e96f72-cde3-4555-a71a-feca5a494e51sec=ARcat=PERevent_id=66