Dynamic auto insurance policy quote creation based on tracked user data

A server comprising:

• one or more processors;
• and a memory storing a first software application including instructions that, when executed by the one or more processors, cause the server to:
• receive a coverage type, of a plurality of coverage types, for a customer vehicle;
• cause a second software application executing on a mobile computing device in conjunction with one or more sensors to track a particular type of usage data of the customer vehicle based on the received coverage type for the customer vehicle, wherein a first type of usage data is tracked for a first coverage type and a second type of usage data is tracked for a second coverage type, the first type of usage data being distinct from the second type of usage data;
• receive, from the second software application executing on the mobile computing device, the particular type of usage data;
• generate one or more new insurance policy quotes for a customer associated with the customer vehicle corresponding to the coverage type for the customer vehicle based upon at least the particular type of usage data;
• and
• transmitting, to the second software application executing on the mobile computing device, the one or more new insurance policy quotes to cause the second software application executing on the mobile computing device to display the one or more new insurance policy quotes in a user interface of the mobile computing device.

One or more tangible, non-transitory computer-readable media storing a first software application including executable instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle that when executed, cause a computer to:

• receive a coverage type, of a plurality of coverage types, for the customer vehicle;
• cause a second software application executing on a mobile computing device in conjunction with one or more sensors to track a particular type of usage data of the customer vehicle based on the received coverage type for the customer vehicle, wherein a first type of usage data is tracked for a first coverage type and a second type of usage data is tracked for a second coverage type, the first type of usage data being distinct from the second type of usage data;
• receive the particular type of usage data from the second software application executing on the mobile computing device;
• generate the one or more new insurance policy quotes corresponding to the coverage type for the customer vehicle based upon at least the particular type of usage data;
• and
• transmit, to the second software application executing on the mobile computing device, the one or more new insurance policy quotes to cause the second software application executing on the mobile computing device to display the one or more new insurance policy quotes in a user interface of the mobile computing device.