Abstract: A method for providing a customer with a competitive insurance quote from an insurance carrier includes collecting driving information relating to a customer for a time period, generating a driving report for the time period, providing the driving report to at least two potential insurance carriers, requesting insurance bids from the potential insurance carriers, and sending at least one of the insurance bids to the customer.

Abstract: A method for brokering variable rate insurance premiums from an insurance carrier includes collecting driving information relating to a vehicle, generating a report based on the driving information, providing the driving report to the insurance carrier, receiving a revised premium based on the driving report and transmitting the revised premium to a customer.

Abstract: A communications hub for a vehicle includes a telematics device including a first communications interface to an external wireless network, a second communications interface to a plurality of vehicle sensors, and a global positioning system (GPS) interface. The telematics device is configured to (i) identify the driver of a vehicle; (ii) retrieve a profile for the driver including a profile permissions log; (iii) establish communications with the wireless network; (iv) establish communications with the vehicle sensor; (v) gather location information from the GPS interface; (v) collect data from a plurality of vehicle sensors; and (vi) send the collected data to an external recipient based on the profile permissions log.