Abstract: A method for using a mobile device arranged within a vehicle to provide risk analysis for a driver of the vehicle includes receiving sensor data representing information (i) collected by a sensor of the mobile device and (ii) indicative of a driving environment of the vehicle, storing the received sensor data in a memory, processing the stored sensor data to determine a set of one or more characteristics of the driving environment of the vehicle, and determining, based on the determined set of characteristics, a driving score indicative of risk for the driver of the vehicle.

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.

Abstract: A mobile device for capturing motion data of a vehicle when the mobile device is travelling with the vehicle, the mobile device comprising: at least one sensor; a processor; a non-transitory storage medium; and an orientation algorithm comprising a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to determine an orientation of the mobile device relative to an orientation of the vehicle; and a transformation algorithm comprising a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to transform motion sensor data to remove secondary movement of the mobile device, which corresponds to the relative movement of the mobile device within the vehicle, and retain primary movement of the mobile device, which corresponds to the motion of the vehicle.

Abstract: A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a remote computer receives the collected vehicle operation data from a mobile device and calculates an insurance premium based at least in part on the collected vehicle operation data. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein a server receives collected vehicle operation data, a database stores the collected vehicle operation data, and a rating engine determines a vehicle insurance premium based at least in part on collected vehicle operation data.