Providing insurance discounts based upon usage of telematics data-based risk mitigation and prevention functionality

A computing device for updating an auto insurance policy, the computing device comprising:

• a processor;
• and
• a memory having a plurality of instructions stored thereon that, when executed by the processor, causes the computing device to:
• determine whether an application is installed on a mobile device of a user, the application being configured to periodically broadcast, or direct the transmission of, data at least once during a predetermined time interval, the date being collected or generated by one or more sensors of the mobile device;
• in response to the application being installed on the mobile device, determine whether the data is received from the application at least once during the predetermined time interval;
• in response to the data being not received at least once during the predetermined time interval, determine that the application is inactive on the mobile device of the user;
• and
• update or adjust, in response to determining that the application is inactive, an amount of insurance discount.

A non-transitory computer-readable medium storing instructions for updating an auto insurance policy, the instructions when executed by one or more processors of a computing device, cause the computing device to:

• determine whether an application is installed on a mobile device of a user, the application being configured to periodically broadcast, or direct the transmission of, data at least once during a predetermined time interval, the date being collected or generated by one or more sensors of the mobile device;
• in response to the application being installed on the mobile device, determine whether the data is received from the application at least once during the predetermined time interval;
• in response to the data being not received at least once during the predetermined time interval, determine that the application is inactive on the mobile device of the user;
• and
• update or adjust, in response to determining that the application is inactive, an amount of insurance discount.