Systems and methods using a mobile device to collect data for insurance premiums

A non-transitory computer-readable storage medium having computer-executable instructions stored thereon, the computer-executable instructions when executed by a processor of a mobile device causes the mobile device to perform operations comprising:

• during a driving session and while collecting vehicle operation data associated with operation of a vehicle while the vehicle is operating, monitoring changes in an orientation of the mobile device relative to the vehicle by:
• receiving global positioning system (GPS) data for the vehicle;
• comparing the GPS data for the vehicle and mobile device position data collected during the driving session by one or more integrated sensors or devices located in the mobile device;
• based on the comparison of the GPS data for the vehicle and the mobile device position data collected by the one or more integrated sensors or devices, automatically determining changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected;
• and
• automatically adjusting via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected to enhance vehicle operation data quality.