1. A method of underwriting an insurance policy comprising: identifying a vehicle; forming, in a physical memory of a data processing system, a plurality of data groupings using a processing device of the data processing system, wherein each of the plurality of data groupings include at least one vehicle history data variable of the identified vehicle; processing the at least one vehicle history data variable of at least one data grouping of the plurality of data groupings using the processing device of the data processing system; determining an overall value of said at least one data grouping using the processing device of the data processing system; generating a score, using the processing device of the data processing system, based upon the overall value of said at least one data grouping; and outputting from the data processing system information relating to underwriting of an insurance policy for the identified vehicle that is based on said score.