Questions About "Insurance Score"

[Jesse Smith]

I've been considering switching insurance carriers, because my rates with State Farm keep creeping slowly upward.  I contracted a friend who runs a local Farmer's Insurance Agency for some quotes.  After running my info, he responded with much higher rates than I expected to hear.  He explained that it seemed to be my "insurance score" that is causing the higher premiums.  This is an excerpt from his email:

Clearly, we're not competitive with what you're paying now. For what it's worth, it appears your "insurance score" (which, typically, closely mimics your credit score) is having a negative impact on the premium. Obviously, you have a great credit score. And, unfortunately, I don't have access to the factors that create the insurance score. I do know that Farmers separates clients into three tiers (Preferred, Standard & Non-Standard) based on their prior insurance habits and insurance score. For some reason, you guys are coming up as Non-Standard. 

I've been trying to figure out what would cause this.  We have only had two insurance claims in the past decade, and neither was remotely "frivolous."  

• Tree fell on a rental property roof
• Wife's car sustained $7,000 in hail damage, because employer won't pay for covered airport parking

Is this enough to make our premiums so much more expensive?  Is there a way to check/fix your insurance score, like a credit score?