Abstract: Systems and methods receive vehicle operating information from an onboard vehicle system, wherein the vehicle operating information includes data indicative of a first amount of time an operator is in active control of the vehicle to the system during a period, and wherein the vehicle operating information includes data indicative of a second amount of time that the vehicle operates autonomously during the period. The systems and methods thereafter calculate an insurance rate for a subsequent period based on both the first amount of time the vehicle operator is in active control of the vehicle and the second amount of time the vehicle is operated autonomously.

Abstract: In an example, an insurance premium for a driverless vehicle is calculated by monitoring an amount of time a first occupant is in active control of the driverless vehicle during a period and modifying an insurance rate for a subsequent period based on the amount of time the first occupant is in active control of the driverless vehicle. In another example, an insurance premium for an intelligent vehicle is calculated by receiving at a computerized insurance system, from the intelligent vehicle, an indication of the intelligent vehicle's condition and calculating the insurance premium for an insurance policy that covers the intelligent vehicle based at least in part on the indication of the intelligent vehicle's condition.

Abstract: Methods and systems consistent with the present invention allow users with a universal resource locator and code to access a web site. Once the code is accepted, the user has the ability to view one or more offers which he can then accept or reject. If the user accepts an offer, his account can be automatically created or updated. Further, any information regarding the user's viewing history can be saved. The user's viewing history can then be analyzed to determine the effectiveness of the offer wherein the offer can be modified to entice users to accept more offers.