Dynamic Auto Insurance Policy Quote Creation Based on Tracked User Data

摘要

A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.

主权项

1. A computer-implemented method for creating insurance policy quotes for a potential customer based at least in part on usage data corresponding to property to be insured by an insurance policy, the method comprising:
providing for display, by one or more processors, a selectable option to track usage data corresponding to a potential customer vehicle; receiving, by the one or more processors, a selection to track usage data corresponding to the potential customer vehicle; tracking, by the one or more processors, usage data of the potential customer vehicle; receiving, by the one or more processors, usage data corresponding to the potential customer vehicle and other data corresponding to a potential customer; receiving, by the one or more processors, a coverage type for the one or more potential customer vehicles; and creating, by the one or more processors, one or more insurance policy quotes based at least in part on the received usage data and the received other data, wherein each policy quote corresponds to the received coverage type.