Systems and methods for automatically disabling mobile device usage while driving

A non-transitory computer readable medium for automatically disabling mobile device usage while driving comprising computer executable instructions for:

• determining whether a mobile device is traveling at a speed greater than a predetermined threshold;
• determining whether there is a transmission in progress on the mobile device if it is determined that the mobile device is traveling at a speed greater than the predetermined threshold;
• maintaining a record of the speed and transmission determinations;
• and
• playing an audio warning on the mobile device if it is determined that there is a transmission in progress on the mobile while the mobile device is traveling at a speed greater than the predetermined threshold.

A system implemented on one or more processors for automatically disabling mobile device usage while driving comprising:

• at least one subsystem configured for receiving information at an insurance provider regarding whether the mobile device is traveling at a speed greater than a predetermined threshold;
• at least one subsystem configured for automatically adjusting an automobile insurance premium based on said information regarding whether the mobile device is traveling at a speed greater than a predetermined threshold;
• and
• at least one subsystem configured for enabling a feature on the mobile device for determining whether a mobile device is traveling at a speed greater than a predetermined threshold based on information received at the insurance provider regarding whether an automobile key associated with the mobile device is inserted into an automobile ignition and maintaining a record of the speed determination and automobile key insertion information.