Systems and methods for utilizing sensor-based vehicle telematics data to adjust a variable vehicle obligation arrangement

A computer system comprising:

• a communicative connection to a vehicle data system of a vehicle;
• one or more processors;
• and
• one or more memories storing non-transitory computer-executable instructions that, when executed via the one or more processors, cause the system to:
• obtain, via one or more processors, telematics data indicative of operation of a vehicle, wherein the telematics data includes data generated by one or more vehicle-mounted sensors, the telematics data being obtained by the one or more processors from the one or more vehicle-mounted sensors via the communicative connection upon sampling of the telematics data by the one or more vehicle-mounted sensors during operation of the vehicle;
• determine, via the one or more processors, based at least upon the telematics data, one or more autonomous features present in the vehicle and an extent of usage of the one or more autonomous features of the vehicle;
• determine or adjust, via the one or more processors, based at least upon the presence and extent of usage of the one or more autonomous features, an estimated depreciation of the vehicle;
• adjust, via the one or more processors, one or more terms of a variable vehicle loan covering the vehicle, based upon the telematics data and the estimated depreciation;
• automatically withdraw, via the one or more processors, a payment for the variable vehicle loan from a financial account associated with an owner of the vehicle or associated with the vehicle;
• and
• transmit, via the one or more processors, information detailing the adjusted variable vehicle loan to a mobile device of the owner of the vehicle.