Abstract: A method of evaluating insurance risk of a vehicle insurance applicant provides identifying a plurality of temporal identifiers related to acquired driving experience for the applicant, where the temporal identifiers include valid license duration, license elements duration, credit duration, no-need no-prior submission, learner permit duration, no license violation duration; and assigning a value to each of the identified temporal identifiers. The method includes identifying a plurality of exception identifiers related to a driving record of the applicant, where the exception identifiers include evidence of prior valid license, evidence of prior violations, evidence of accident record, and evidence of prior vehicle insurance; and assigning a value to each of the identified exception identifiers.