I Don't Understand Insurance Scores

Credit Karma Car Insurance Score

According to CreditKarma.com, my car insurance score is 860, which seems like a good number, but it isn't, because it translates to a "fair" credit rating.

I really don't understand this, because my other scores are high and rated "excellent."  I've been with +GEICO Insurance for many years, and have never been late with a premium payment.  This is just wrong.  I really don't like this!

I'm hoping someone can explain this to me...

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