Visible insurance

Abstract

Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use—the selected rate is conveyed upon the interface.

1 - 20 . (canceled) 
     
     
         21 . A real-time insurance rate generation system, comprising:
 a processor that executes computer executable components stored on a storage medium, the computer executable components comprising:
 a collections component that identifies an opportunity to provide a real-time insurance rate for a vehicle and that collects real-time operation information of the vehicle; and 
 an analysis component that receives and evaluates the real-time operation information to generate the real-time insurance rate. 
   
     
     
         22 . The system of claim  1 , further comprising:
 a rendering component that displays the real-time insurance rate to a driver or passenger of the vehicle, wherein the rendering component is located within the vehicle.   
     
     
         23 . The system of claim  2 , wherein the rendering component is physically integrated into a dashboard of the vehicle. 
     
     
         24 . The system of claim  2 , wherein the rendering component is a heads-up display in the vehicle. 
     
     
         25 . The system of claim  2 , wherein the rendering component is an integrated part of an on-board navigation system of the vehicle. 
     
     
         26 . The system of claim  2 , wherein the rendering component displays the real-time insurance rate on a personal electronic device of the driver or passenger. 
     
     
         27 . The system of claim  1 , wherein the collections component further collects at least one of contextual information, driver history metadata, road condition data, weather data, or traffic data, and wherein the analysis component evaluates the at least one of contextual information, driver history metadata, road condition data, weather data, or traffic data in conjunction with the real-time operation information to generate the real-time insurance rate. 
     
     
         28 . The system of claim  1 , wherein the analysis component leverages at least one artificial intelligence technique to evaluate the real-time operation information to determine a level of risk associated with the vehicle, wherein the real-time insurance rate is generated based on the determined level of risk. 
     
     
         29 . A real-time insurance rate generation method, comprising:
 using a processor to execute computer executable components stored on a storage medium, which computer executable components perform acts comprising:
 identifying, via a collections component, an opportunity to provide a real-time insurance rate for a vehicle; 
 collecting, via the collections component, real-time operation information of the vehicle; and 
 evaluating, via an analysis component, the real-time operation information to generate the real-time insurance rate. 
   
     
     
         30 . The method of claim  9 , further comprising:
 displaying, via a rendering component, the real-time insurance rate to a driver or passenger of the vehicle, wherein the rendering component is located within the vehicle.   
     
     
         31 . The method of claim  10 , wherein the rendering component is physically integrated into a dashboard of the vehicle. 
     
     
         32 . The method of claim  10 , wherein the rendering component is a heads-up display in the vehicle. 
     
     
         33 . The method of claim  10 , wherein the rendering component is an integrated part of an on-board navigation system of the vehicle. 
     
     
         34 . The method of claim  10 , wherein the rendering component displays the real-time insurance rate on a personal electronic device of the driver or passenger. 
     
     
         35 . The method of claim  9 , further comprising:
 collecting, via the collections component, at least one of contextual information, driver history metadata, road condition data, weather data, or traffic data; and   evaluating, via the analysis component, the at least one of contextual information, driver history metadata, road condition data, weather data, or traffic data in conjunction with the real-time operation information to generate the real-time insurance rate.   
     
     
         36 . The method of claim  9 , wherein the evaluating the real-time operation information comprises leveraging at least one artificial intelligence technique to determine a level of risk associated with the vehicle based on the real-time operation information, wherein the real-time insurance rate is generated based on the determined level of risk. 
     
     
         37 . A real-time insurance rate rendering system, comprising:
 a display component located in a vehicle and that displays a real-time insurance rate associated with the vehicle to a driver of the vehicle; and   a light indicator located in the vehicle and that displays at least one of one or more colors to the driver to indicate how an operation of the vehicle influences the real-time insurance rate.   
     
     
         38 . The system of claim  17 , wherein the light indicator displays a green color if the operation of the vehicle tends to lower the real-time insurance rate, wherein the light indicator displays a red color if the operation of the vehicle tends to increase the real-time insurance rate, and wherein the light indicator displays a yellow color if the operation of the vehicle does not tend to change the real-time insurance rate. 
     
     
         39 . The system of claim  17 , wherein the display component and the light component are physically integrated into a dashboard of the vehicle. 
     
     
         40 . The system of claim  17 , wherein the display component and the light component are incorporated into a heads-up display in the vehicle.