Insurance visibility

Abstract

Dynamic insurance rate adjustments are communicated to a vehicle operator in order to allow the vehicle operator to adjust various parameters before an actual change to an insurance rate is communicated to a service provider or trusted third party. The various parameters can be external parameters and/or internal parameters and further can include historical information, current information, and/or predicted information. Communicating the insurance rate adjustments provides for insurance visibility for both the operator and passengers of the vehicle. The insurance rate adjustment is communicated though a device located within a vehicle to enable perception by a vehicle occupant.

What is claimed is: 
     
         1 . A method, comprising:
 determining, by a system comprising a processor, a change to an insurance premium based on at least a first parameter associated with a vehicle;   outputting, by the system, the change to the insurance premium to an operator of the vehicle while the vehicle is being operated;   receiving, by the system, a response from the operator while the vehicle is being operated, the response is related to the change to the insurance premium; and   determining, by the system, another change to the insurance premium based at least in part on the response.   
     
     
         2 . The method of  claim 1 , wherein the outputting comprises prompting the operator for information related to the change to the insurance premium while the vehicle is being operated. 
     
     
         3 . The method of  claim 1 , wherein the determining the change to the insurance premium comprises receiving at least the first parameter that affects a base rate of insurance, wherein at least the first parameter is associated with operation of the vehicle. 
     
     
         4 . The method of  claim 3 , wherein the outputting comprises prompting the operator, while the vehicle is being operated, for information related to the change to the insurance premium or at least the first parameter. 
     
     
         5 . The method of  claim 1 , wherein the outputting comprises rendering the change to the insurance premium on a device associated with the operator, the device is removable from the vehicle. 
     
     
         6 . The method of  claim 1 , wherein the determining the change to the insurance premium comprises increasing a cost of the insurance premium based on a determination that at least the first parameter tends to increase an amount of insurance claims. 
     
     
         7 . The method of  claim 1 , wherein the determining the change to the insurance premium comprises decreasing a cost of the insurance premium based on a determination that at least the first parameter tends to decrease an amount of insurance claims. 
     
     
         8 . The method of  claim 1 , wherein the determining another change to the insurance premium based at least in part on the response comprises gathering additional criteria over a determined period of time. 
     
     
         9 . The method of  claim 1 , further comprises receiving at least the first parameter associated with the vehicle based on historical information relate to a condition associated with a similar vehicle. 
     
     
         10 . The method of  claim 1 , further comprises:
 receiving an estimate made with respect to historical data related to the vehicle;   determining a future driving condition based on the estimate; and   determining a further change to the insurance premium based at least in part on the future driving condition.   
     
     
         11 . A system, comprising:
 a processor; and   a memory that stores executable instructions that, when executed by the processor, facilitate performance of operations, comprising:
 determining a first change to an insurance premium based on at least a first parameter associated with a vehicle; 
 outputting the first change to the insurance premium to an operator of the vehicle while the vehicle is being operated; 
 receiving a response from the operator while the vehicle is being operated, the response is related to the first change to the insurance premium; and 
 determining a second change to the insurance premium based at least in part on the response. 
   
     
     
         12 . The system of  claim 11 , the operations further comprise prompting the operator for information related to the first change to the insurance premium while the vehicle is being operated. 
     
     
         13 . The system of  claim 11 , wherein the operations further comprise prompting the operator, while the vehicle is being operated, for information related to the first change to the insurance premium or at least the first parameter. 
     
     
         14 . The system of  claim 11 , wherein the operations further comprise receiving additional criteria over a determined period of time before the determining the second change to the insurance premium. 
     
     
         15 . The system of  claim 11 , wherein the operations further comprise receiving at least the first parameter associated with the vehicle based on historical information relate to a condition associated with a similar vehicle. 
     
     
         16 . The system of  claim 11 , wherein the operations further comprise:
 determining a future driving condition based on an estimate made with respect to historical data related to the vehicle; and   determining a third change to the insurance premium based at least in part on the future driving condition.   
     
     
         17 . A computer-readable storage device comprising executable instructions that, in response to execution, cause a system comprising a processor to perform operations, comprising:
 determining a first change to an insurance premium based on at least a first parameter associated with a vehicle;   outputting the first change to the insurance premium to an operator of the vehicle while the vehicle is being operated;   prompting the operator for information related to the first change to the insurance premium or at least the first parameter while the vehicle is being operated;   receiving a response from the operator while the vehicle is being operated, the response is related to the first change to the insurance premium or at least the first parameter; and   determining a second change to the insurance premium based at least in part on the response.   
     
     
         18 . The computer-readable storage device of  claim 17 , wherein the operations further comprise receiving additional criteria over a determined period of time before the determining the second change to the insurance premium. 
     
     
         19 . The computer-readable storage device of  claim 17 , wherein the operations further comprise receiving at least the first parameter associated with the vehicle based on historical information relate to a condition associated with a similar vehicle. 
     
     
         20 . The computer-readable storage device of  claim 17 , wherein the operations further comprise:
 determining a future driving condition based on an estimate made with respect to historical data related to the vehicle; and   determining a third change to the insurance premium based at least in part on the future driving condition.