Encouraging safe driving using a remote vehicle starter and personalized insurance rates

A method comprising:

• determining, by a remote starter device installed at a vehicle, that the remote starter device is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device;
• receiving, by the remote starter device from the remote starter application, a request to initiate ignition of the vehicle;
• initiating, by the remote starter device, ignition of the vehicle;
• providing, by the remote starter device to the remote starter application upon ignition of the vehicle, an ignition confirmation message;
• identifying, by the remote starter application, a user of the mobile computing device as a driver of the vehicle;
• providing, by the remote starter application to an insurance underwriting system in response to receipt of the ignition confirmation message, an ignition notification message;
• creating, by the insurance underwriting system in response to receipt of the ignition notification message, an ignition record;
• collecting, by the insurance underwriting system during operation of the vehicle, vehicle telematics data provided by a vehicle telematics device installed at the vehicle;
• and
• determining, by the insurance underwriting system, a personalized insurance rate for the driver based, at least in part, on the vehicle telematics data.