System for optimizing premium data

A computerized method for communicating between a customer device and a platform processor, the method comprising:

• receiving insurance risk factor data associated with the insurance product;
• receiving insurance loss experience data associated with the insurance product;
• interacting with remote potential insurance customer devices to collect potential insurance customer price responsive behavior information associated with the insurance product;
• receiving, by a pricing platform processor, information from a first remote potential insurance customer device associated with a first potential insurance customer,
• automatically calculating by the pricing platform processor, for the first potential insurance customer, an insurance premium for the insurance product based on at least the insurance risk factor data, the insurance loss experience data, and the collected potential insurance customer price responsive behavior information;
• and
• automatically transmitting an indication of the calculated insurance premium to the first potential insurance customer device.

A communications system for transmitting data between an interaction server and a remote device, the system comprising:

• an insurance risk factor computer storage unit for receiving, storing, and providing risk factor data associated with the insurance product;
• an insurance loss experience computer storage unit for receiving, storing, and providing loss experience data associated with the insurance product;
• a potential insurance customer interaction server that has interacted with remote potential insurance customer devices and collected potential insurance customer price responsive behavior information associated with the insurance product;
• and
• a pricing platform processor in communication with the insurance risk factor computer storage unit, the insurance loss experience computer storage unit, and the potential insurance customer interaction server, wherein the processor is configured for:
• receiving information from a first remote potential insurance customer device associated with a first potential insurance customer,
• automatically calculating, for the first potential insurance customer, an insurance premium for the insurance product based on at least the risk factor data, the loss experience data, and the collected potential insurance customer price responsive behavior information, and
• automatically transmitting an indication of the calculated insurance premium to the first potential insurance customer device.