Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer

A method for collecting, transmitting, and displaying vehicle-related information by a mobile device, the method comprising:

• collecting, by the mobile device, vehicle operation data while a vehicle is in operation, the collecting step comprising automatically collecting the vehicle operation data via one or more sensors integrated in the mobile device during a data collection session, the collecting step including:
• automatically beginning to collect the vehicle operation data in response to detecting a first predefined triggering event regarding operation of the vehicle;
• and
• stopping collection of the vehicle operation data in response to detecting a second predefined triggering event regarding operation of the vehicle;
• collecting, by the mobile device, geographic location information during the data collection session, the collected geographic location information dynamically identifying a location of the vehicle;
• scoring, by the mobile device, the driving behavior of a driver via execution of an application stored locally in the mobile device by:
• comparing the vehicle operation data collected by the one or more integrated sensors with one or more predefined threshold values;
• identifying one or more notable driving events based on the comparison of the collected vehicle operation data with the one or more predefined threshold values;
• determining a geographic location of each identified notable driving event based on the collected geographic location information;
• calculating one or more driving scores for the driver based at least on the collected vehicle operation data and the one or more identified notable driving events;
• displaying, by the mobile device, the one or more driving scores;
• and
• displaying, by the mobile device, a map indicating the geographic location determined for each identified notable driving event.

A mobile device, comprising:

• a processor;
• one or more sensors integrated in the mobile device;
• a display device;
• and
• a non-transitory computer readable storage medium storing instructions, which when executed by the processor of the mobile device, cause the processor to perform the following steps:
• collect vehicle operation data from the one or more sensors integrated in the mobile device while a vehicle is in operation, the collecting step including:
• automatically beginning to collect the vehicle operation data in response to detecting a first predefined triggering event regarding operation of the vehicle;
• and
• stopping collection of the vehicle operation data in response to detecting a second predefined triggering event regarding operation of the vehicle;
• collect geographic location information during the data collection session using a location application stored on the mobile device, the collected geographic location information dynamically identifying a location of the vehicle;
• score the driving behavior of a driver by:
• comparing the vehicle operation data collected by the one or more integrated sensors with one or more predefined threshold values;
• identifying one or more notable driving events based on the comparison of the collected vehicle operation data with the one or more predefined threshold values;
• determining a geographic location of each identified notable driving event based on the collected geographic location information;
• calculating one or more driving scores for the driver based at least on the collected vehicle operation data and the one or more identified notable driving events;
• display via the display device the one or more driving scores;
• and
• display via the display device a map indicating the geographic location determined for each identified notable driving event.