Dynamic auto insurance policy quote creation based on tracked user data

  • US 10,013,719 B1
  • Filed: 07/09/2015
  • Issued: 07/03/2018
  • Est. Priority Date: 03/10/2013
  • Status: Active Grant
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1. A computer-implemented method for creating insurance policy quotes for a customer based at least in part on tracked usage data corresponding to property to be insured by an insurance policy, the method comprising:

  • receiving, by one or more processors, an insurance policy corresponding to a customer vehicle;

    receiving, by the one or more processors, a selection to track usage data corresponding to the customer vehicle, wherein the selection to track usage data includes the selection to track a subset of the usage data corresponding to the customer vehicle;

    tracking, by a smartphone computing device, the selected subset of usage data of the customer vehicle;

    determining, by the one or more processors, that the insurance policy corresponding to the customer vehicle has expired, wherein the insurance policy is determined to have expired when the selected subset of usage data has been tracked for a certain amount of time since receiving the insurance policy;

    receiving, from the smartphone computing device by the one or more processors, the tracked subset of usage data once the insurance policy has been determined to have expired;

    using, by the one or more processors, at least the tracked subset of usage data to calculate new insurance policy quotes once the insurance policy has been determined to have expired; and

    transmitting the new insurance policy quotes to the client smartphone computing device, wherein the new insurance policy quotes are displayed in a user-interface of the smartphone device.

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