System and Method for Tracking and Sharing Driving Metrics with a Plurality of Insurance Carriers

  • US 20120066007A1
  • Filed: 09/13/2011
  • Published: 03/15/2012
  • Est. Priority Date: 09/14/2010
  • Status: Abandoned Application
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First Claim
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1. A method for determining an insurance premium cost to insure a vehicle, the method comprising:

  • initiating and establishing a wireless communication link between;

    a vehicle telematics system of the vehicle; and

    a control center remote from the vehicle, the control center having;

    a data center including;

    at least one database server; and

    at least one protocol gateway operable to exchange data with the at least one database server; and

    a web portal connected to the data center through a communication link;

    communicating driver metrics data associated with at least one of the vehicle and a driver of the vehicle from the vehicle telematics system to the data center;

    analyzing the driver metrics data and creating a driver profile based upon the driver metrics data;

    sharing the driver profile with at least one insurance carrier;

    the at least one insurance carrier;

    assigning a rating to the driver profile based upon the driver metrics data; and

    determining an insurance premium cost to insure the vehicle based upon the assigned rating; and

    presenting the determined insurance premium cost to at least one of an owner of the vehicle and a driver of the vehicle.

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