Abstract: A system for determining insurance pricing information based on telematics data, the system comprising, a processor configured to generate a driver proxy score (DPS) based on a combination of rating variables in a conventional class plan; the processor, configured to receive information associated with telematics data received from a telematics device, wherein the telematics data includes a plurality of risk factors; the processor further configured to determine a driver telematics score (DTS) based on the information associated with the telematics data; the processor further configured to generate an expectation based rating, based on the DPS and the DTS, which measures a variance of the telematics data from the expected value; the processor further configured to update pricing information based on the determined expectation based rating; and a transmitter configured to transmit the updated pricing information to a user device.

Abstract: A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.

Abstract: A system for determining risk associated with a driver, the system comprising a receiver, configured to receive information associated with telematics data; a processor further configured to determine, based at least in part on the telematics data, that a vehicle has reached a destination, a length of time spent at the destination and a times of day during which the vehicle is at the destination; the processor configured to determine a direct exposure rating based on at least the determined destination, the length of time spent at the destination, and the times of day during which the vehicle is at the location; the processor further configured to adjust an insurance pricing information based on the direct exposure rating; and a transmitter configured to transmit the adjusted pricing information to a user device.

Abstract: A system for determining insurance pricing information comprising a computer memory for storing biographical information, including an expected total mileage driven by a vehicle and an initial risk assessment based on at least the expected total mileage driven; the processor further configured to determine, based on telematics data, a plurality of relativity factors, wherein relativity factors are numerical values generated based on a comparison of the information associated with the received telematics data with other drivers; the processor configured to calculate the product of the plurality of relativity factors with a starting discount and compare the product with a predetermined threshold; the processor further configured to adjust insurance pricing information based on the comparison of the product of the relativity factors with the predetermined threshold.

Abstract: A system configured to determine an insurance premium associated with an account that covers a vehicle including an autonomous feature and a driver comprising a computer memory that stores biographical information including information regarding the autonomous feature; a processor that receives information associated with telematics data associated with the vehicle, concerning use of the vehicle and the autonomous feature; the processor further configured to determine discrete segments of use by the vehicle, and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the one of the discrete segments of use; the processor further configured to calculate pricing information based on the risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device.

Abstract: A system and method are disclosed herein to determine an insurance policy benefit based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative of preliminary telematics data collected by a smartphone associated with a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data collected prior to issuance of an insurance policy for the vehicle. The processor is configured to calculate and apply an initial insurance policy benefit in exchange for receiving the data indicative of actual telematics data. When the data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final insurance policy benefit and replace the initial insurance policy benefit with the final insurance policy benefit.

Abstract: A system and method are disclosed herein to predict a benefit associated with motor vehicle telematics data. The system includes a processor configured to determine demographic information associated with a driver of a vehicle. The processor may then display to the driver a first average number of safety events associated with a first safety event type along with a second average number of safety events associated with a second safety event type, wherein the first and second average numbers of safety events are based at least in part on the demographic information. A first predicted number of safety events associated with the first safety event type may be received from the driver along with a second predicted number of safety events associated with the second safety event type. Based on the first and second predicted numbers of safety events, a benefit may be automatically calculated and output.

Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Abstract: A system and method are disclosed herein to predict an insurance benefit, such as a discount, associated with telematics data. The system includes a processor configured to determine demographic information associated with a driver of a vehicle. A first average number of safety events associated with a first safety event type may be displayed along with a second average number of safety events associated with a second safety event type, wherein the averages are based at least in part on the demographic information. A first predicted number of safety events associated with the first safety event type may be received from the driver along with a second predicted number of safety events associated with the second safety event type. A predicted discount may be automatically calculated and output.

Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Abstract: A system and method are disclosed herein to determine an insurance policy benefit based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative of preliminary telematics data collected by a smartphone associated with a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data collected prior to issuance of an insurance policy for the vehicle. The processor is configured to calculate and apply an initial insurance policy benefit in exchange for receiving the data indicative of actual telematics data. When the data indicative of the actual telematics data meets a pre-determined condition, the processor may compute a final insurance policy benefit and replace the initial insurance policy benefit with the final insurance policy benefit.

Abstract: A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Abstract: A system and method are disclosed herein to predict an insurance benefit, such as a discount, associated with telematics data. The system includes a processor configured to determine demographic information associated with a driver of a vehicle. A first average number of safety events associated with a first safety event type may be displayed along with a second average number of safety events associated with a second safety event type, wherein the averages are based at least in part on the demographic information. A first predicted number of safety events associated with the first safety event type may be received from the driver along with a second predicted number of safety events associated with the second safety event type. A predicted discount may be automatically calculated and output.