SYSTEMS AND METHODS FOR MANAGING INSURANCE

1 . A method for providing vehicle insurance discounts, the method comprising:

presenting, by a computing device, one or more questions to a user;

receiving, from the user by the computing device, one or more responses to the one or more questions;

determining, by the computing device, a first discount value for an insurance policy of a vehicle based at least in part upon the one or more responses;

applying, by the computing device, the first discount value to the insurance policy of the vehicle for a predetermined period of time;

collecting, by the computing device, driving data associated with one or more trips made by the vehicle during the predetermined period of time;

analyzing, by the computing device, the driving data and the one or more responses; and

determining, by the computing device, a first weight and a second weight based at least in part upon the driving data.

2 . The method of claim 1 , wherein the driving data corresponds to a driving mileage.

3 . The method of claim 2 , wherein the determining, by the computing device, the first weight and the second weight based at least in part upon the driving data includes:

increasing the first weight and decreasing the second weight if the driving mileage increases but remains smaller than a predetermined mileage threshold; and

setting the first weight equal to one and the second weight equal to zero if the driving mileage reaches or becomes larger than the predetermined mileage threshold.

4 . The method of claim 1 , further comprising:

determining, by the computing device, one or more first weighted factors based at least in part upon the first weight and the driving data;

determining, by the computing device, one or more second weighted factors based at least in part upon the second weight and the one or more responses;

determining, by the computing device, a second discount value for the insurance policy of the vehicle based at least in part upon the one or more first weighted factors and the one or more second weighted factors; and

after the predetermined period of time,

replacing, by the computing device, the first discount value with the second discount value; and

applying, by the computing device, the second discount value to the insurance policy of the vehicle.

5 . The method of claim 4 , wherein the determining, by the computing device, the one or more first weighted factors includes:

determining one or more weighted driving data by applying the first weight to the driving data, the one or more first weighted factors including the one or more weighted driving data.

6 . The method of claim 5 , wherein the determining, by the computing device, the one or more second weighted factors includes:

determining one or more weighted responses by applying the second weight to the one or more responses, the one or more second weighted factors including the one or more weighted responses.

7 . The method of claim 6 , wherein the determining, by the computing device, the second discount value for the insurance policy of the vehicle includes:

determining the second discount value based at least in part upon the one or more weighted responses and the one or more weighted driving data.

8 . A computing device for providing vehicle insurance discounts, the computing device comprising:

one or more processors; and

a memory storing instructions that, when executed by the one or more processors, cause the one or more processors to:

present one or more questions to a user;

receive, from the user, one or more responses to the one or more questions;

determine a first discount value for an insurance policy of a vehicle based at least in part upon the one or more responses;

apply the first discount value to the insurance policy of the vehicle for a predetermined period of time;

collect driving data associated with one or more trips made by the vehicle during the predetermined period of time;

analyze the driving data and the one or more responses; and

determine a first weight and a second weight based at least in part upon the driving data.

9 . The computing device of claim 8 , wherein the driving data corresponds to a driving mileage.

10 . The computing device of claim 9 , wherein the determining the first weight and the second weight based at least in part upon the driving data includes:

increasing the first weight and decreasing the second weight if the driving mileage increases but remains smaller than a predetermined mileage threshold; and

setting the first weight equal to one and the second weight equal to zero if the driving mileage reaches or becomes larger than the predetermined mileage threshold.

11 . The computing device of claim 8 , wherein the instructions further cause the one or more processors to:

determine one or more first weighted factors based at least in part upon the first weight and the driving data;

determine one or more second weighted factors based at least in part upon the second weight and the one or more responses;

determine a second discount value for the insurance policy of the vehicle based at least in part upon the one or more first weighted factors and the one or more second weighted factors; and

after the predetermined period of time,

replace the first discount value with the second discount value; and

apply the second discount value to the insurance policy of the vehicle.

12 . The computing device of claim 11 , wherein the determining the one or more first weighted factors includes:

determining one or more weighted driving data by applying the first weight to the driving data, the one or more first weighted factors including the one or more weighted driving data.

13 . The computing device of claim 12 , wherein the determining the one or more second weighted factors includes:

determining one or more weighted responses by applying the second weight to the one or more responses, the one or more second weighted factors including the one or more weighted responses.

14 . The computing of claim 13 , wherein the determining the second discount value for the insurance policy of the vehicle includes:

determining the second discount value based at least in part upon the one or more weighted responses and the one or more weighted driving data.

15 . A non-transitory computer-readable medium storing instructions for providing vehicle insurance discounts, the instructions when executed by one or more processors of a computing device, cause the computing device to:

present one or more questions to a user;

receive, from the user, one or more responses to the one or more questions;

determine a first discount value for an insurance policy of a vehicle based at least in part upon the one or more responses;

apply the first discount value to the insurance policy of the vehicle for a predetermined period of time;

collect driving data associated with one or more trips made by the vehicle during the predetermined period of time;

analyze the driving data and the one or more responses; and

determine a first weight and a second weight based at least in part upon the driving data.

16 . The non-transitory computer-readable medium of claim 15 , wherein the driving data corresponds to a driving mileage.

17 . The non-transitory computer-readable medium of claim 16 , wherein the determining the first weight and the second weight based at least in part upon the driving data includes:

increasing the first weight and decreasing the second weight if the driving mileage increases but remains smaller than a predetermined mileage threshold; and

setting the first weight equal to one and the second weight equal to zero if the driving mileage reaches or becomes larger than the predetermined mileage threshold.

18 . The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the computing device to:

determine one or more first weighted factors based at least in part upon the first weight and the driving data;

determine one or more second weighted factors based at least in part upon the second weight and the one or more responses;

determine a second discount value for the insurance policy of the vehicle based at least in part upon the one or more first weighted factors and the one or more second weighted factors; and

after the predetermined period of time,

replace the first discount value with the second discount value; and

apply the second discount value to the insurance policy of the vehicle.

19 . The non-transitory computer-readable medium of claim 18 , wherein the determining the one or more first weighted factors includes:

determining one or more weighted driving data by applying the first weight to the driving data, the one or more first weighted factors including the one or more weighted driving data.

20 . The non-transitory computer-readable medium of claim 19 , wherein the determining the one or more second weighted factors includes:

determining one or more weighted responses by applying the second weight to the one or more responses, the one or more second weighted factors including the one or more weighted responses.

21 . A system for providing vehicle insurance discounts, the system comprising:

means for presenting one or more questions to a user;

means for receiving one or more responses to the one or more questions;

means for determining a first discount value for an insurance policy of a vehicle based at least in part upon the one or more responses;

means for applying the first discount value to the insurance policy of the vehicle for a predetermined period of time;

means for collecting driving data associated with one or more trips made by the vehicle during the predetermined period of time;

means for analyzing the driving data and the one or more responses; and

means for determining a first weight and a second weight based at least in part upon the driving data.