Vehicle image and sound data gathering for insurance rating purposes

A non-transitory computer-readable storage medium including computer-readable instructions to be executed on one or more processors of a system for providing vehicle insurance, the instructions when executed causing the one or more processors to:

• receive, by a processor-implemented instruction module, data associated with a vehicle captured by a sensor of a computing device, wherein the data includes sound data produced by the vehicle and captured by an audio sensor of the computing device, the sound data having a particular frequency;
• analyze, by the processor-implemented instruction module, the received data to determine an operating condition of the vehicle, wherein determining the operating condition of the vehicle includes comparing the particular frequency of the sound data captured by the audio sensor to a baseline frequency of a baseline engine sound model;
• determine, by the processor-implemented instruction module, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model;
• identify, by the processor-implemented instruction module, a beginning or ending of a trip using the vehicle based at least in part on the sound data captured by the audio sensor of the computing device, wherein the beginning of the trip causes collection of vehicle usage data;
• calculate, by the processor-implemented instruction module, a risk of loss for the vehicle based upon the deviation and the collected vehicle usage data;
• and
• determine, by the processor-implemented instruction module, an insurance rating for the vehicle based at least in part on the calculated risk of loss and
• provide, by the processor-implemented instruction module, the determined insurance rating to a user.

A computer system for providing vehicle insurance, the system comprising:

• a vehicle data repository;
• and
• an insurance server, including a memory having instructions for execution on one or more processors, wherein the instructions, when executed by the one or more processors, cause the insurance server to:
• retrieve, via a network connection, sound data produced by a vehicle, the sound data having a particular frequency;
• retrieve, from the vehicle data repository, via a network connection, stored baseline vehicle data, wherein the stored baseline vehicle data comprises a baseline engine sound model having a baseline frequency;
• compare, by the one or more processors executing one or more processor-implemented instruction modules, the particular frequency of the sound data produced by the vehicle with the baseline frequency of the baseline engine sound model to determine an operating condition of the vehicle;
• determine, by the one or more processors executing one or more processor-implemented instruction modules, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model;
• identify, by the one or more processors executing one or more processor-implemented instruction modules, a beginning or ending of a trip using the vehicle based at least in part on the sound data produced by the vehicle, wherein the beginning of the trip causes collection of vehicle usage data;
• calculate, by the one or more processors executing one or more processor-implemented instruction modules, a risk of loss for the vehicle based upon the deviation and the collected vehicle usage data;
• and
• determine, by the one or more processors executing the one or more processor-implemented instruction modules, an insurance rating for the vehicle based at least in part on the calculated risk of loss and
• provide via a network connection, the determined insurance rating to a user.