Patent Publication Number: US-2017365007-A1

Title: Traveling-Based Insurance Ratings

Description:
BACKGROUND 
     Insurance companies or providers may utilize telematics data to monitor and analyze driving performance of drivers insured by the insurance companies. Based on collected telematics data, insurance companies may evaluate the driving behaviors of drivers to assess their risk and determine an appropriate insurance cost and premium for each driver. In this way, insurance companies may additionally provide benefits to drivers that engage in safe driving behaviors. 
     By monitoring driving performance, insurance companies may be able to predict whether some drivers are more likely than other drivers to engage in high-risk driving which may often result in roadside incidents, such as vehicle breakdowns, accidents, collisions, and the like. For example, it may be particularly beneficial for insurance companies to monitor telematics data for vehicles in which one or more passengers may be riding along with a driver. Distractions from passengers may increase the driver&#39;s risk and the driver&#39;s inclinations to engage in dangerous or unsafe driving behaviors. 
     In some cases, it may be beneficial for insurance companies to account for data from drivers, as well as passengers in a vehicle with an insured driver and/or passengers traveling in any mode of transportation (e.g., train, bus, airplane, etc.) in the determination of insurance ratings and premiums. As such, new systems, methods, and devices may be desired in providing customized insurance ratings and premiums and utilizing traveling information for insurance ratings in an improved manner. 
     BRIEF SUMMARY 
     In light of the foregoing background, the following presents a simplified summary of the present disclosure in order to provide a basic understanding of some aspects of the invention. This summary is not an extensive overview of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. The following summary merely presents some concepts of the invention in a simplified form as a prelude to the more detailed description provided below. 
     Aspects of the disclosure address one or more of the issues mentioned above by disclosing computerized methods, systems, devices, and apparatuses for providing traveling-based insurance ratings. For example, a travel-based insurance rating system may determine insurance scores and ratings for a traveler based on data collected during any form of travel (e.g., car, train, bus, airplane, etc.), in which a traveler may be a driver of a vehicle, a passenger in a vehicle, or a passenger in any mode of transportation (e.g., a bus, a train, airplane, spacecraft, etc.). In some arrangements, the travel-based insurance rating system may detect any physical movement of a user, such as by at least one of one or more sensors of a mobile device, by a telematics device associated with a vehicle, or by one or more sensors in a vehicle during a trip. The insurance rating system may provide and adjust insurance rates for travelers based on the collected data, regardless of whether the traveler is a driver of a vehicle, a passenger of a vehicle, a passenger of another mode of transportation, or a user traveling in a bicycle or by foot (e.g., walking, jogging, or running). 
     The disclosure describes a system comprising a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device associated with a passenger of the vehicle, and a server computer comprising hardware including a processor and memory. The server computer may be configured to receive, from the one or more sensors and via the telematics device, driving data of a driver of the vehicle, identify one or more values of the driving data to be within one or more predetermined ranges, wherein the driving data is classified as a trip of the passenger, based on the driving data of the trip, determine one or more driving behaviors of the driver, calculate an insurance rating for the passenger of the vehicle based on the one or more driving behaviors of the driver, and transmit the insurance rating for the passenger to the mobile device. 
     The disclosure also describes an apparatus comprising at least one processor, a network interface configured to communicate, via a network, with a telematics device associated with a vehicle having one or more sensors arranged therein and a mobile device associated with a passenger of the vehicle, and a memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to receive, from the one or more sensors and via the telematics device, driving data of a driver of the vehicle, identify one or more values of the driving data to be within one or more predetermined ranges, wherein the driving data is classified as a trip of the passenger, based on the driving data from the trip, determine one or more driving behaviors of the driver, calculate an insurance rating for the passenger of the vehicle based on the one or more driving behaviors of the driver, and transmit the insurance rating for the passenger to the mobile device. 
     In addition, aspects of this disclosure provide a method that includes receiving, by one or more computing devices, driving data of a driver of a vehicle collected from one or more sensors installed on a mobile device of a passenger associated with the vehicle, identifying, by the one or more computing devices, the driving data to be within one or more predetermined ranges, wherein the driving data is classified as a trip of the passenger, determining, by the one or more computing devices, one or more driving behaviors of the driver based on the driving data from the trip, calculating, by the one or more computing devices, an insurance rating for the passenger based on the one or more driving behaviors of the driver, and transmitting, by the one or more computing devices, the insurance rating for the passenger to the mobile device. 
     Of course, the methods and systems of the above-referenced embodiments may also include other additional elements, steps, computer-executable instructions or computer-readable data structures. In this regard, other embodiments are disclosed and claimed herein as well. The details of these and other embodiments of the present invention are set forth in the accompanying drawings and the description below. Other features and advantages of the invention will be apparent from the description, drawings, and claims. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The present invention is illustrated by way of example, and is not limited by, the accompanying figures in which like reference numerals indicate similar elements and in which: 
         FIG. 1  depicts a block diagram of an example insurance rating device that may be used in accordance with one or more example embodiments. 
         FIG. 2  depicts an example network environment in which various aspects of the present disclosure may be implemented in accordance with one or more example embodiments. 
         FIG. 3  depicts a flow diagram of example method steps for determining insurance ratings based on traveling data from users in accordance with one or more example embodiments. 
         FIG. 4  depicts a flow diagram of example method steps for determining and providing traveling-based insurance ratings in accordance with one or more example embodiments. 
         FIG. 5  depicts a flow diagram of example method steps for collecting data and determining and providing traveling-based insurance ratings in accordance with one or more example embodiments. 
         FIGS. 6A and 6B  depict an illustrative diagram of example user interfaces of a traveling-based insurance rating application in accordance with one or more example embodiments. 
     
    
    
     DETAILED DESCRIPTION 
     In accordance with various aspects of the disclosure, computerized methods, systems, devices, and apparatuses are disclosed that provide traveling-based insurance premium ratings. In particular, the present disclosure teaches an insurance rating system that may be beneficial for travelers (e.g., both drivers and passengers) in that the system may determine insurance scores for individuals based on the number of miles traveled. For example, the insurance rating system may collect data from a traveler&#39;s mobile device, in which the traveler may be a driver of a vehicle, a passenger of a vehicle, a passenger in any other form of transportation (e.g., bus, train, airplane, helicopter, watercraft, spacecraft, etc.) or an individual traveling by a bicycle or by foot (e.g., walking, jogging, or running). The insurance rating system may then calculate an insurance rating or score for each traveler based on the data collected while the individual is traveling. 
     In some embodiments, the insurance rating system may determine that an individual is traveling by collecting data from the individual&#39;s mobile device. For example, a mobile application may be installed on the mobile device in order to monitor any traveling data (e.g., movement data and/or driving data) using one or more sensors of the mobile device. The traveling data may include real-time data, such as movement data representing any changes in position, velocity, and/or acceleration of a mobile device, and/or driving data representing a driver&#39;s speeds, accelerations, braking, GPS coordinates, and the like, associated with a vehicle. Furthermore, the insurance rating system may also utilize the mobile application to collect additional pertinent data for calculating insurance premium ratings. 
     In yet additional embodiments, the insurance rating system may determine that an individual is traveling by collecting data from a telematics device associated with a vehicle. For example, an individual may be a driver of a vehicle or a passenger of a vehicle. In some cases, there may be multiple travelers in a vehicle, including a driver and one or more passengers. The insurance rating system may collect data from one or more vehicle sensors and/or by the vehicle&#39;s on-board diagnostic (OBD) system in order to calculate insurance ratings. In some cases, the insurance rating system may collect traveling data from one of or both the individual&#39;s mobile device and from the telematics device of a vehicle in which the individual may be traveling. Additionally or alternatively, the insurance rating system may collect traveling data from another data source. In some examples, data collected from various sources may be aggregated to calculate insurance ratings, determine premiums or discounts, or the like. 
     The insurance rating system may utilize one or more predetermined ranges to determine whether or not a traveler is on a trip. For example, a traveler may have an insurance rating application installed on his or her mobile device, and the insurance rating application may automatically detect any physical movement or acceleration (e.g., from a traveler being in a moving vehicle, bus, train, airplane, helicopter, watercraft, spacecraft, or the like) through one or more sensors installed on the mobile device. In another example, the traveler may be moving, walking, jogging, running, or riding a bicycle, and the insurance rating application may automatically detect physical movements from the traveler through the one or more sensors installed on the mobile device. The application may collect data regarding any physical movement and read this data as traveling data (e.g., movement data and/or driving data). In order to determine whether or not the collected data is associated with an actual trip in a vehicle, the application may identify whether or not one or more values of the collected data are above or below one or more predetermined threshold values in a predetermined range. 
     For example, the predetermined range may indicate a range of values for at least one of vehicle speeds, vehicle locations, vehicle mileage, and average time driven. For example, if the detected movement includes speeds lower than 10 miles per hour or speeds faster than 200 miles per hour, the insurance rating system may determine that the traveler is not in a vehicle and may discard the collected data. However, if the one or more values of the collected traveling data are within the predetermined range, the application may identify the traveling data as driving data, classify the driving data as a trip for the traveler, and determine driving behaviors based on the driving data of the trip, as well as an insurance rating for the traveler according to the driving behaviors. 
     In some arrangements, the traveling-based insurance premium ratings disclosed herein may incentivize individuals who are riding as passengers in vehicles to refrain from distracting drivers. For example, a driver may be distracted by the presence and/or behaviors of one or more passengers in his or her vehicle. Passengers in the vehicle may engage in distracting behaviors such as playing loud music in the vehicle, talking on their mobile devices, or partaking in other actions that may divert the driver&#39;s attention on the road. Such distractions from passengers may increase the driver&#39;s risk and the driver&#39;s inclinations to engage in dangerous or unsafe driving behaviors. The insurance rating system may calculate insurance ratings for passengers of the vehicle based on the driving behaviors of the driver. Thus, passengers may realize that their own insurance ratings may be affected by how well or how badly an individual is driving. As a result, passengers may be incentivized not to distract drivers. 
     The insurance rating system may also collect information from a passenger&#39;s mobile device to identify distracting behaviors of a passenger while a driver is operating a vehicle. For example, a mobile application associated with the insurance rating system may be installed on the passenger&#39;s mobile device. In some embodiments, the application may determine the passenger&#39;s usage of the mobile device based on push notifications, messages, phone calls, and the like. For example, the application may identify a number of text messages sent, a number of text messages received, number of minutes the passenger talks on the mobile device, and the like while the passenger is in the vehicle. The insurance rating system may use this collected data, in addition to the driving behavior data of the driver, to determine insurance ratings. 
     In another example, the insurance rating application may utilize one or more sensors installed on a mobile device to detect sounds while the passenger is in the vehicle. A driver may be distracted by loud music in his or her vehicle, in which the loud music may prevent the driver from hearing warnings, such as sirens, vehicles honking, sounds of other vehicle braking, and the like. Thus, the one or more sensors of the mobile device (e.g., the passenger&#39;s mobile device or the driver&#39;s mobile device) may determine if there is loud music playing in the vehicle while the driver is driving. That is, the one or more sensors may include a microphone which may be able to identify sounds above a certain threshold level (e.g., a value of decibels). The insurance rating system may employ this collected data from the one or more sensors to determine and assign insurance ratings accordingly. 
     In some embodiments, the traveling-based insurance premium ratings may be referred to as passenger-based insurance premium ratings and vice versa. Traveling-based insurance premium ratings may also encourage insured individuals to choose to ride with drivers who engage in safe driving behaviors while traveling. That is, an individual&#39;s insurance score or rating may improve or decline based on the level of safety of a driver with whom the individual chooses to ride. For example, if a driver of a vehicle engages in safe driving behaviors, such as slow turns, driving at or below posted speed limits, safe braking, consistent acceleration, and the like, then the insurance rating system may assign a favorable insurance rating to the passenger of the vehicle. In another example, if a driver of a vehicle engages in unsafe driving behaviors, such as hard braking, sharp turns, inconsistent acceleration, speeding, missing traffic signals, failing to stop at road signs, drifting into other lanes, and the like, then the insurance rating system may assign an unfavorable insurance rating to the passenger of the vehicle. Therefore, travel-based insurance ratings may allow passengers to become more inclined to ride with safer drivers, which may result in fewer accidents and less costly insurance claims for insurance providers. 
     In additional embodiments, the insurance rating system may collect traveling data and calculate risk scores in order to evaluate risk levels of potential insurance customers. For example, an uninsured passenger may be traveling with a driver who is insured by an insurance company. In some cases, the passenger may engage in behaviors that distract the driver and disrupt the driver&#39;s driving behaviors, whereas in other cases, the passenger might not be disruptive to the driver. The insurance rating system may be able to evaluate a passenger based on the driver&#39;s driving behaviors and calculate a risk score for the passenger based on collected traveling data. The risk score may be useful in determining or predicting whether the passenger would be a high-risk or low-risk (or other risk level) customer if insured by the insurance company. 
     Therefore, the insurance rating system may determine high-risk and low-risk customers and assign insurance premiums accordingly, wherein high-risk customers may potentially have higher premiums than low-risk customers. 
     Ultimately, by providing travel-based insurance premium ratings, the insurance rating system may calculate insurance ratings for travelers (e.g., passengers and drivers) alike in an efficient manner. 
     In the following description of the various embodiments, reference is made to the accompanying drawings, which form a part hereof, and in which is shown by way of illustration, various embodiments of the disclosure that may be practiced. It is to be understood that other embodiments may be utilized. A person of ordinary skill in the art after reading the following disclosure will appreciate that the various aspects described herein may be embodied as a computerized method, system, device, or apparatus utilizing one or more computer program products. Accordingly, various aspects of the computerized methods, systems, devices, and apparatuses may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, various aspects of the computerized methods, systems, devices, and apparatuses may take the form of a computer program product stored by one or more non-transitory computer-readable storage media having computer-readable program code, or instructions, embodied in or on the storage media. Any suitable computer readable storage media may be utilized, including hard disks, CD-ROMs, optical storage devices, magnetic storage devices, and/or any combination thereof. In addition, various signals representing data or events as described herein may be transferred between a source and a destination in the form of electromagnetic waves traveling through signal-conducting media such as metal wires, optical fibers, and/or wireless transmission media (e.g., air and/or space). It is noted that various connections between elements are discussed in the following description. It is noted that these connections are general and, unless specified otherwise, may be direct or indirect, wired or wireless, and that the specification is not intended to be limiting in this respect. 
     In one or more arrangements, teachings of the present disclosure may be implemented with a computing device.  FIG. 1  illustrates a block diagram of an example rating device  100  that may be used in accordance with aspects of the present disclosure. The rating device  100  is a specialized computing device programmed and/or configured to perform and carry out aspects associated with providing traveling-based insurance ratings to travelers as described herein. The rating device  100  may have an insurance rating manager  101  configured to perform methods and execute instructions as described herein. The insurance rating manager  101  may be implemented with one or more specially configured processors and one or more storage units (e.g., databases, RAM, ROM, and other computer-readable media), one or more application specific integrated circuits (ASICs), and/or other hardware components. Throughout this disclosure, the insurance rating manager  101  may refer to the software (e.g., a computer program or application) and/or hardware used to receive traveling data (e.g., driving data for drivers or passengers of vehicles), identify traveling data to be within one or more predetermined ranges, identify the traveling data as driving data based on the predetermined ranges, classify driving data as trips of passengers, determine one or more driving behaviors of drivers based on driving data from trips, calculate insurance ratings for passengers based on one or more driving behaviors of drivers, and/or notify passengers of calculated insurance ratings. Specifically, in some arrangements, the insurance rating manager  101  may be a part of an insurance rating system that assesses driving behavior data of a driver and other passenger information and assigns insurance ratings and scores to a passenger based on the driving behavior data of the driver. The one or more specially configured processors of the insurance rating manager  101  may operate in addition to or in conjunction with another general processor  103  of the rating device  100 . In some embodiments, the insurance rating manager  101  may be a software module executed by one or more general processors  103 . Both the insurance rating manager  101  and the general processor  103  may be capable of controlling operations of the rating device  100  and its associated components, including RAM  105 , ROM  107 , an input/output (I/O) module  109 , a network interface  111 , and memory  113 . 
     The I/O module  109  may be configured to be connected to an input device  115 , such as a microphone, keypad, keyboard, touchscreen, gesture or other sensors, and/or stylus through which a user or a driver associated with the rating device  100  may provide input data. The I/O module  109  may also be configured to be connected to a display device  117 , such as a monitor, television, touchscreen, and the like, and may include a graphics card. The display device  117  and input device  115  are shown as separate elements from the rating device  100 , however, they may be within the same structure. 
     Using the input device  115 , system administrators may update various aspects of the traveling-based insurance rating system, such as rules, predefined threshold values, predetermined ranges, and/or information related to identifying whether or not traveling data is within one or more predetermined ranges, identifying traveling data as driving data based on the predetermined ranges, classifying driving data as passenger trips, determining driving behaviors of drivers based on driving data from one or more passenger trips, and calculating insurance ratings based on driving behaviors. For example, system administrators may use the input device  115  to update one or more predetermined ranges for classifying traveling data (e.g., movement data and/or driving data) as a passenger trip and for calculating insurance ratings. On some rating devices  100 , the input device  115  may be operated by users (e.g., drivers of a vehicle, passengers in a vehicle, and/or passengers in any mode of transportation) to interact with the insurance rating system, including receiving or submitting information regarding traveling data and/or driving behaviors, requesting and/or receiving insurance ratings, providing or updating preferences for insurance ratings information, updating account information, and the like, as described herein. 
     The memory  113  may be any computer readable medium for storing computer executable instructions (e.g., software). The instructions stored within memory  113  may enable the rating device  100  to perform various functions. For example, memory  113  may store software used by the rating device  100 , such as an operating system  119  and application programs  121 , and may include an associated database  123 . 
     The network interface  111  allows the rating device  100  to connect to and communicate with a network  130 . The network  130  may be any type of network, including a local area network (LAN) and/or a wide area network (WAN), such as the Internet. Through the network  130 , the rating device  100  may communicate with one or more computing devices  140 , such as laptops, notebooks, smartphones, personal computers, servers, and the like. The computing devices  140  may include at least some of the same components as rating device  100 . In some embodiments the rating device  100  may be connected to the computing devices  140  to form a “cloud” computing environment. 
     The network interface  111  may connect to the network  130  via communication lines, such as coaxial cable, fiber optic cable, and the like or wirelessly using a cellular backhaul or a wireless standard, such as IEEE 802.11, IEEE 802.15, IEEE 802.16, and the like. In some embodiments, the network interface may include a modem. Further, the network interface  111  may use various protocols, including TCP/IP, Ethernet, File Transfer Protocol (FTP), Hypertext Transfer Protocol (HTTP), and the like, to communicate with other computing devices  140 . 
       FIG. 1  is an example embodiment of a rating device  100 . In other embodiments, the rating device  100  may include fewer or more elements. For example, the rating device  100  may use the general processor(s)  103  to perform functions of the insurance rating manager  101 , and thus, might not include a separate processor or hardware for the insurance rating manager  101 . Additionally, or alternatively, the rating device  100  may be a mobile device (e.g., a smartphone, tablet, and the like) specially configured to perform or carry out aspects of the travel-based insurance rating service described herein, and thus, may also include various other components, such as a battery, speaker, and/or antennas (not shown). Also, the rating device  100  may be a telematics device and/or a vehicle computing device (either installed by a vehicle manufacturer or as an aftermarket part) having vehicle compatible elements, such as a port for an on-board diagnostic connector or ports for other vehicle sensors (e.g., fuel level sensors, tire pressure sensors, engine temperature sensors, and the like). For example, the rating device  100  may be a vehicle&#39;s computer or a device plugged into the vehicle&#39;s computer for use in vehicle telematics. 
     The computerized methods for providing travel-based insurance rating features and notifying travelers (e.g., passengers and/or drivers) of insurance scores as disclosed herein may be implemented on one or more rating devices  100  used in various network environments.  FIG. 2  illustrates an example network environment  200  for implementing methods in accordance with aspects of the present disclosure. 
     As shown in  FIG. 2 , the network environment  200  may include a network  201  configured to connect an insurance rating system  202 , insurance rating device  212 , vehicle  217 , and mobile device  220 . The insurance rating device  212  may be the same as or at least similar to the rating device  100  described above with reference to  FIG. 1 . Collectively, these specialized computing devices may form at least a part of a traveling-based insurance rating system. Although only one of each of the components  212 ,  217 , and  220  are shown in  FIG. 2 , it is understood that there may be any number of components  212 ,  217 , and  220  in the network environment  200 . 
     The network  201  may be any type of network, like the network  130  described above, and may use one or more communication protocols (e.g., protocols for the Internet (IP), Bluetooth, cellular communications, satellite communications, and the like.) to connect computing devices and servers within the network environment  200  so they may send and receive communications between each other. In particular, the network  201  may include a cellular network and its components, such as cell towers. 
     Accordingly, for example, a mobile device  220  (e.g., a smartphone, flip-phone, tablet, and the like) or an insurance rating device  212  of a traveler (e.g., a passenger or a driver associated with vehicle  217  or a passenger in another form of transportation) may communicate, via a cellular backhaul of the network  201 , with an insurance rating system  202  to request an insurance rating as a part of the travel-based insurance rating service. For example, the mobile device  220  or insurance rating device  212  may request for the insurance rating system  202  to provide travel-based insurance ratings for a traveler (e.g., passenger in the vehicle  217  and/or a driver of the vehicle  217  or a passenger in another form of transportation). In another example, the mobile device  220  or the insurance rating device  212  of the traveler (e.g., passenger or driver of the vehicle  217  or a passenger in another form of transportation) may communicate, via the cellular backhaul of the network  201 , with the insurance rating system  202  to submit information regarding passenger or driver information, vehicle information or to update account information and/or preferences for the travel-based insurance rating service (e.g., for the vehicle  217 ). 
     In some arrangements, in the opposite direction, the insurance rating system  202  may communicate, via the cellular backhaul of the network  201 , with the mobile device  220  or the insurance rating device  212  to notify the user (e.g., the passenger of vehicle  217  or the driver of vehicle  217  or a passenger in another form of transportation) of the mobile device  220  or insurance rating device  212  of collected traveling data (e.g., which may be further identified as driving data) one or more driving behaviors determined from the driving data, insurance ratings calculated based on the one or more driving behaviors, and the like. In another embodiment, the mobile device  220  and/or insurance rating device  212  may communicate back and forth with the insurance rating system  202  over the Internet, such as through a web portal. As shown in  FIG. 2 , it should be understood that the mobile device  220  or insurance rating device  212  may connect to the network even if it is removed from the vehicle  217 . In some cases, the mobile device  220  or insurance rating device  212  may collect traveling data even when a user is moving or traveling without the vehicle  217  (e.g., such as in a bus, a train, airplane, spacecraft, bicycle, etc.). Thus, the travel-based insurance rating service described herein may be implemented with or without the vehicle  217 . 
     Although  FIG. 2  illustrates only one vehicle  217 , the insurance rating system may be configured to communicate with multiple vehicles  217  simultaneously (e.g., at or around the same time), and the multiple vehicles  217  may be associated with multiple individuals. The insurance rating system  202  may receiving driving data for respective drivers of multiple vehicles simultaneously, identify values of the respective driving data to be within predetermined ranges, classify respective driving data as trips of passengers in the multiple vehicles simultaneously, determine driving behaviors for respective drivers of multiple vehicles simultaneously, calculate insurance ratings for respective passengers of the multiple vehicles simultaneously, and transmit notifications regarding the insurance ratings for respective passengers simultaneously. The multiple vehicles  217  may be any type of vehicle, including a car, motorcycle, bicycle, scooter, drone (or other automated device), truck, bus, boat, plane, helicopter, and the like, wherein each of the multiple vehicles  217  may be the same or different from each other. 
     In some embodiments, there may be one or more travelers (e.g., a driver and one or more passengers) associated with the vehicle  217 . The driver may be associated with the vehicle  217  if the driver is an owner of the vehicle  217  and/or has access and/or permission to drive or operate the vehicle  217 . Additionally or alternatively, a driver may be associated with the vehicle  217  if the driver is identified on an insurance policy that insures the vehicle  217 . In some embodiments, one or more the passengers of the vehicle  217  may be uninsured or insurance policy holders. 
     A traveler (e.g., in the vehicle  217  or in another form of transportation) may interact with and operate an insurance rating device  212 . In some embodiments, travelers may each operate the insurance rating device  212 , which may be a specialized mobile device (e.g., mobile phone), a tablet, laptop, personal computer, and the like configured to perform or carry out aspects associated with travel-based insurance ratings as described herein. For example, the insurance rating device  212  may be the same (e.g., integrated with, include substantially the same components and provide substantially the same functionality, or the like) as the mobile device  220  depicted in  FIG. 2 . The insurance rating device  212  may belong to a driver, passenger, or customer of an insurance company who is enrolled in a travel-based insurance rating service. In some cases, the insurance rating device  212  may be at an insurance company, and data may be transmitted between the traveler and the device  212 . Although only one insurance rating device  212  is illustrated in  FIG. 2 , there may be any number of rating devices  212 , wherein each insurance rating device  212  is associated with at least one traveler. The insurance rating device  212  may further comprise a rating manager  213 , a display  214 , and sensors  215 . In the case of an insurance rating device  212  that is installed in or connected to a vehicle  217  (e.g., an on-board vehicle computing device), the individual is considered to operate that insurance rating device  212  by performing the installation or connection of that device in or at the vehicle  217 . 
     The insurance rating device  212  may be configured to execute the rating manager  213  that presents a user interface (e.g., a graphical user interface for a website, application, software program, and the like) on the display  214 . The display  214  may comprise a monitor, television, touchscreen, and the like. The user interface of the rating manager  213  may allow travelers to send insurance rating requests and/or receive insurance ratings, confirm whether or not the traveler is driving, or a passenger, or on a different form of transportation, send and/or receive notifications of insurance scores based on traveling data (e.g., specifically based on driving behavior data), and update account information or preferences for travel-based insurance rating service provided by the insurance rating system  202 . 
     The rating manager  213  may be a self-sufficient program or may be a module of another program, such as a program used to collect and/or evaluate traveler information representing actions of a vehicle  217 , driving behavior of a driver associated with a vehicle  217 , and/or status updates of a vehicle  217 . The rating manager  213  may have access to traveling data (e.g., driving data and/or movement data) that is collected by the sensors  215  of the insurance rating device  212 . The rating manager  213  may be configured in a similar manner as the insurance rating manager  101  or configured to perform similar functions as those performed by the insurance rating manager  101 . The sensors  215  may comprise various sensors and/or modules that detect driving behaviors, environmental information, and/or other related factors of a driver of a vehicle  217 . For example, the sensors  215  may comprise one or more of an accelerometer, speedometer, GPS, gyroscope, and the like. The sensors  215  may also include one or more of fuel level sensors, tire pressure sensors, car engine sensors, oxygen sensors, temperature sensors, water sensors, coolant sensors, position sensors, oil pressure gauges and the like. The sensors  215  may ultimately detect and collect real-time data, including movement data representing any changes in position, velocity, and/or acceleration of the insurance rating device  212 , as well as driving data representing a driver&#39;s speeds, accelerations, braking, GPS coordinates, and the like, associated with vehicle  217 . The rating manager  213  may have access to data that is collected by one or more of the sensors  215  of the insurance rating device  212 . 
     In some cases, the sensors  215  may include a microphone which may be used to determine a level of sound in the vehicle  217  while a driver is operating the vehicle  217 . The microphone of the rating device  212  (e.g., or a microphone installed on the mobile device  220 ) may identify sounds above a certain threshold level (e.g., a value of decibels), and the rating manager  213  may be able to determine an insurance rating based on the level of sound in the vehicle  217 . For example, the rating manager  213  may take into consideration (e.g., as a variable in insurance rating/premium calculation) whether or not a driver or passenger of the vehicle  217  is playing loud music or whether or not a passenger of the vehicle  217  is distracting the driver by talking loudly or yelling in the vehicle  217 . The rating manager  213  may use this collected data from the one or more sensors  215 , along with driving data, to determine and assign insurance ratings to travelers accordingly. 
     In some embodiments, the rating manager  213  may be downloaded or otherwise installed onto the insurance rating device  212  using known methods. Different devices may install different versions of the rating manager  213  depending on their platform. A traveler may launch the rating manager  213  by, for example, operating buttons or a touchscreen on the insurance rating device  212 . Additionally, or alternatively, the insurance rating device  212  may be configured to execute a web browser (e.g., an application for accessing and navigating the Internet) to access a web page providing an interface for the insurance rating system. In some embodiments, the insurance rating device  212  may also be configured to collect information, such as traveling data (e.g., movement data and/or driving data). For example, the rating manager  213  or another program installed on the insurance rating device  212  may instruct the insurance rating device  212  to collect traveling data using the various sensors  215  and/or vehicle sensors  218  (e.g., accelerometer, speedometer, GPS, gyroscope, magnetometer, car engine sensors, oxygen sensors, temperature sensors, water sensors, coolant sensors, position sensors, oil pressure gauges, and the like). Traveling data may include movement data representing any changes in position, velocity, and/or acceleration of a device (e.g., mobile device  220 , insurance rating device  212 , etc.) associated with a traveler, as well as data regarding a driver&#39;s speed, acceleration, braking, steering, turn signals, and the like. 
     The rating manager  213  or another program installed on the insurance rating device  212  may collect traveling data over a predetermined period of time and identify whether the one or more values of the collected traveling data are within one or more predetermined ranges. For example, the predetermined range may indicate a range of values for at least one of vehicle speeds, vehicle locations, vehicle mileage, and average time driven. If the one or more values of the traveling data are within the predetermined range, the rating manager  213  may identify the traveling data as driving data and classify the driving data as a trip for the traveler (e.g., for the passenger or driver of the vehicle  217 ). For example, if the one or more values of the traveling data are within the predetermined range, the rating manager  213  may determine that the collected data represents that the traveler is within a moving vehicle  217  and that the data is not collected from a traveler in another mode of transportation (e.g., walking, cycling, traveling in a bus, train, airplane, etc.). However, if the one or more values of the traveling data are not within the predetermined range, the rating manager  213  may identify that the collected data is not from the traveler being in a moving vehicle  217 , and the rating manager  213  may continue to collect traveling data. After identifying traveling data as driving data, the rating manager  213  may determine driving behaviors based on the driving data of the trip, as well as an insurance rating for the traveler according to the driving behaviors. 
     Furthermore, the rating manager  213  or another program may determine one or more driving behaviors of the driver based on the driving data of the trip. For example, drivers may exhibit different driving behaviors, such as staying within or going above posted speed limits or engaging in or avoiding sudden braking or sharp turning events in vehicle  217 . The rating manager  213  may identify these driving behaviors based on the collected driving data indicating acceleration, speed, angular momentum, and location of the vehicle  217 . The rating manager  213  or another program may also collect location information, such as GPS coordinates indicating the geographical location of the insurance rating device  212  and/or vehicle  217 . Ultimately, the rating manager  213  may calculate an insurance rating for the traveler (e.g., passenger and/or driver of the vehicle  217 ) based on the determined driving behavior data, and the rating manager  213  may transmit the insurance rating to the traveler (e.g., to a mobile device  220  or an insurance rating device  212  associated with the traveler). 
     In some arrangements, a driver and/or one or more passengers associated with the vehicle  217  and associated with the insurance rating device  212  may employ the rating manager  213  to send, receive, and/or access at least one of insurance ratings, driving behavior information, contact information, account information, and setting/preferences related to the vehicle  217 . 
     As illustrated in  FIG. 2 , vehicle  217  also includes vehicle operation sensor  218  (similar to one or more sensors  215 ) capable of detecting and recording various conditions at the vehicle and operational parameters of the vehicle. For example, sensor  218  may detect and store data corresponding to the vehicle&#39;s location (e.g., GPS coordinates), time, travel time, speed and direction, rates of acceleration or braking, gas mileage, and specific instances of sudden acceleration, braking, swerving, and distance traveled. Sensor  218  also may detect and store data received from the vehicle&#39;s  217  internal systems, such as impact to the body of the vehicle, air bag deployment, headlights usage, brake light operation, door opening and closing, door locking and unlocking, cruise control usage, hazard lights usage, windshield wiper usage, horn usage, turn signal usage, seat belt usage, phone and radio usage within the vehicle, autonomous driving system usage, maintenance performed on the vehicle, and other data collected by the vehicle&#39;s computer systems, including the vehicle on-board diagnostic systems (OBD). 
     Additional sensors  218  may detect and store the external driving conditions, for example, external temperature, rain, snow, light levels, and sun position for driver visibility. For example, external cameras and proximity sensors  218  may detect other nearby vehicles, vehicle spacing, traffic levels, road conditions, traffic obstructions, animals, cyclists, pedestrians, and other conditions that may factor into a driving data/behavior analysis. Sensor  218  also may detect and store data relating to moving violations and the observance of traffic signals and signs by the vehicle  217 . Additional sensors  218  may detect and store data relating to the maintenance of the vehicle  217 , such as the engine status, oil level, engine coolant temperature, odometer reading, the level of fuel in the fuel tank, engine revolutions per minute (RPMs), software upgrades, and/or tire pressure. 
     Vehicle sensor  218  also may include cameras and/or proximity sensors capable of recording additional conditions inside or outside of the vehicle  217 . For example, internal cameras may detect conditions such as the number of the passengers and the types of passengers (e.g. adults, children, teenagers, pets, etc.) in the vehicles, and potential sources of driver distraction within the vehicle (e.g., pets, phone usage, and unsecured objects in the vehicle). Sensor  218  also may be configured to collect data identifying a current driver from among a number of different possible drivers, for example, based on driver&#39;s seat and mirror positioning, driving times and routes, radio usage, etc. Voice/sound data along with directional data also may be used to determine a seating position within a vehicle  217 . Sensor  218  also may be configured to collect data relating to a driver&#39;s movements or the condition of a driver. For example, vehicle  217  may include sensors that monitor a driver&#39;s movements, such as the driver&#39;s eye position and/or head position, etc. Additional sensors  218  may collect data regarding the physical or mental state of the driver, such as fatigue or intoxication. The condition of the driver may be determined through the movements of the driver or through other sensors, for example, sensors that detect the content of alcohol in the air or blood alcohol content of the driver, such as a breathalyzer, along with other biometric sensors. 
     Certain vehicle sensors  218  also may collect information regarding the driver&#39;s route choice, whether the driver follows a given route, and to classify the type of trip (e.g. commute, errand, new route, etc.) and type of driving (e.g., continuous driving, parking, stop-and-go traffic, etc.). In certain embodiments, sensors and/or cameras  218  may determine when and how often the vehicle  217  stays in a single lane or strays into other lane. A Global Positioning System (GPS), locational sensors positioned inside the vehicle  217 , and/or locational sensors or devices external to the vehicle  217  may be used to determine the route, speed, lane position, road-type (e.g. highway, entrance/exit ramp, residential area, etc.) and other vehicle position/location data. 
     The data collected by vehicle sensor  218  (e.g., driving data) may be stored and/or analyzed within the vehicle  217 , such as for example by a driving analysis computer  224  integrated into the vehicle, and/or may be transmitted to one or more external devices. For example, as shown in  FIG. 2 , sensor data may be transmitted via a telematics device  222  to one or more remote computing devices, such as insurance rating device  212 , mobile device  220 , insurance rating system  202 , and/or other remote devices. 
     As shown in  FIG. 2 , the data collected by vehicle sensor  218  may be transmitted to an insurance rating system  202 , insurance rating device  212 , mobile device  220 , and/or additional external servers and devices via telematics device  222 . Telematics device  222  may be one or more computing devices containing many or all of the hardware/software components as the insurance rating manager  101  depicted in  FIG. 1 . The telematics device  222  may receive vehicle operation data and driving data from vehicle sensor  218 , and may transmit the data to one or more external computer systems (e.g., insurance rating system  202 , insurance system server of an insurance company, financial institution, or other entity) over a wireless transmission network. Telematics device  222  also may be configured to detect or determine additional types of data relating to real-time driving and the condition of the vehicle  217 . The telematics device  217  also may store the type of vehicle  217 , for example, the make, model, trim (or sub-model), year, and/or engine specifications, as well as other information such as vehicle owner or driver information, insurance information, and financing information for the vehicle  217 . 
     In some cases, the telematics device  222  may be a device that is plugged into the vehicle&#39;s  217  on-board diagnostic (OBD) system (e.g., plugged in through an OBD II connector) or otherwise installed in the vehicle  217  in order to collect data. The telematics device  222  may also collect GPS coordinates, such as through its own GPS receiver. In the example shown in  FIG. 2 , the telematics device  222  may receive vehicle driving data from vehicle sensor  218 , and may transmit the data to an insurance rating system  202 . As mentioned above, traveling data may include vehicle driving data, and this driving data may include data indicative of one or more vehicle metrics or vehicle telematics data, such as based on a driver&#39;s speed, acceleration, braking, steering, turn signals, and the like. In other examples, one or more of the vehicle sensors  218  or systems may be configured to receive and transmit data directly from or to an insurance rating system  202  without using a telematics device. For instance, telematics device  222  may be configured to receive and transmit data from certain vehicle sensors  218  or systems, while other sensors or systems may be configured to directly receive and/or transmit data to an insurance rating system  202  without using the telematics device  222 . Thus, telematics device  222  may be optional in certain embodiments. 
     In some embodiments, telematics device  222  may be configured to execute a rating manager that presents a user interface for a traveler (e.g., driver and/or passenger) to provide inputs to and receive outputs from the insurance rating system  202 . The rating manager  213  may be downloaded or otherwise installed onto the telematics device  222  using known methods. Once installed onto the telematics device  222 , a driver may launch the rating manager  213  by, for example, operating buttons or a touchscreen on the dashboard of the vehicle  217 . Additionally, or alternatively, the telematics  222  may be configured to execute a web browser to access a web page providing an interface for the insurance rating system  202 . 
       FIG. 2  also illustrates a mobile device  220  which may be any mobile device associated with a traveler (e.g., a driver or passenger of vehicle  217 , or an individual in another form of transportation). In particular, the mobile device  220  may belong to a traveler (e.g., driver or passenger of the vehicle  217  or an individual in another form of transportation), wherein the traveler is a customer of an insurance company and enrolled in a service that allows the traveler to participate in travel-based insurance rating services. Mobile device  220  may be, for example, a smartphone or other mobile phone, personal digital assistant (PDA), tablet computer, and the like, and may include some or all of the elements described above with respect to the insurance rating manager  101 . As shown in this example, some mobile devices (e.g., mobile device  220 ) may be configured to establish communication sessions with vehicle-based devices and various internal components of vehicle  217  via wireless networks or wired connections (e.g., for docked devices), whereby such mobile devices  220  may have secure access to internal vehicle sensors  218  and other vehicle-based systems. However, in other examples, the mobile device  220  might not connect to vehicle-based computing devices and internal components, but may operate independently by communicating with vehicle  217  via their standard communication interfaces (e.g., telematics device  222 , etc.), or might not connect at all to vehicle  217 . In some cases, the mobile device  220  may be configured similarly to the insurance rating device  212  and may interface or communicate with the telematics device  222  via a wired connection (e.g., USB, OBD II connector, and the like) or a wireless connection (e.g., Bluetooth). 
     In some embodiments, both telematics device  222  and mobile device  220  (or an insurance rating device  212 ) may be employed, whereas in another embodiment, only one of these devices may be used with the insurance rating system to collect driving data. For example, a driver associated with the vehicle  217  may choose whether he or she wishes to use his or her mobile phone to capture driving data or whether he or she wishes to have a device plugged into the vehicle  217  to collect driving data. 
       FIG. 2  also illustrates example subsystems within the network environment  200 . That is the insurance rating system  202  may comprise an insurance rating subsystem  203  and a plurality of databases  206 . The insurance rating subsystem  203  may include one or more application servers, computing devices, and other equipment (e.g., conference bridge equipment) used by company (e.g., insurance company) personnel to implement and provide the travel-based insurance rating services described herein. For example, the insurance rating subsystem  203  may include an insurance rating module  205  that is configured with programmed instructions and/or algorithms to calculate and assign an insurance rating score to a traveler based on traveling data. In some cases, the insurance rating module  205  may be configured with programmed instructions and/or algorithms to calculate and assign an insurance rating score for a passenger of vehicle  217  based on driving data. The insurance rating module  205  may calculate insurance ratings for travelers (e.g., drivers and/or passengers) and store data regarding the insurance ratings as one or more records in a database (e.g., database  206 ) of the insurance rating system  202 , in which the one or more records may be associated with passenger, driver or customer records stored in the database. For example, the one or more records may identify a unique identification number for a passenger, driver or customer. In one example, a mobile device may be associated with the traveler through the use of a unique identification number (e.g., a phone number) for the traveler. In another example, the one or more records may include multiple fields for insurance ratings, including premium level, deductible level, amounts, and the like. The insurance rating module  205  may update or adjust an insurance rating or insurance score by inserting one or more identifiers in the fields of the one or more records. 
     Furthermore, the insurance rating module  205  may also update or store information regarding traveling data, driving data, driving behaviors, insurance ratings, and the like in one or more databases  206 . For example, one or more databases  206  may store traveling data (e.g., movement data and/or driving data) that is collected by sensors  215  of the rating device or vehicle sensors  218 . The one or more databases  206  may also store insurance ratings for travelers. 
     The insurance rating subsystem  203  may include functionality that may be distributed among a plurality of computing devices. For example, the insurance rating subsystem  203  may comprise further subsystems, including client-side subsystems and server-side subsystems. The client-side subsystem may interface with the insurance rating device  212 , telematics device  222 , and/or mobile device  220 , whereas the server-side subsystem may interface with application servers and computing devices which handle a variety of tasks related to identifying traveling data as driving data, classifying driving data as one or more trips based on predetermined ranges, identifying driving behaviors based on driving data from trips, and calculating insurance ratings based on driving behaviors, as well as the overall management of travel-based insurance rating services. For example, the subsystem  203  may also include one or more servers, such as a driving behaviors analysis server  207 . The driving behaviors analysis server  207  may be configured to perform aspects of travel-based insurance rating services as described herein. For example, the driving behaviors analysis server  207  may analyze collected driving data for a driver of the vehicle  217 , identify one or more driving behaviors, calculate insurance ratings for one or more passengers of the vehicle  217  based on the one or more driving behaviors, and/or provide notifications of the insurance ratings to the one or more passengers of the vehicle  217 . 
     The subsystems, application servers, and computing devices of the insurance rating subsystem  203  may also have access to the plurality of databases  206 . In some embodiments, the plurality of databases  206  may be incorporated into the insurance rating subsystem  203  or may be separate components in the insurance rating subsystem  203 . As an example, the plurality of databases  206  (e.g., databases  206   a - 206   n ) may comprise an accounts and billing database, a driving behaviors database, an insurance rating database, and other databases. One or more of the databases  206   a - 206   n  may comprise information regarding at least one of driving behavior data, vehicle information, insurance rating information, and account and billing information. For example, databases  206   a - 206   n  may store one or more records of collected traveling data for previous trips, analyzed driving behaviors, insurance history, and the like. The data stored in the plurality of databases  206  may be collected and compiled by the insurance rating device  212 , the telematics device  2220 , the insurance rating subsystem  203 , or by servers and subsystems within the insurance rating subsystem  203 . 
       FIG. 3  illustrates a flow diagram of an example method in accordance with aspects of the present disclosure. In particular,  FIG. 3  illustrates example method steps for collecting traveling data and calculating travel-based insurance premiums for travelers. The steps of  FIG. 3  may be performed by subsystems, application servers, and computing devices of the insurance rating system  202  (e.g., insurance rating subsystem  203 , insurance rating module  205 , and/or driving behaviors analysis server  207 ). One or more of the steps of  FIG. 3  may be performed by executing a travel-based insurance rating program (e.g., a travel-based insurance rating mobile application) and/or by operating a particularly configured computing device of the insurance rating system  202 . As a result of the method of  FIG. 3 , a traveler at insurance rating device  212  (e.g., and/or at mobile device  220 ) may be provided with an insurance rating based on traveling data. 
     The method of  FIG. 3  may begin with a step of  301  of receiving traveling data for a traveler. For example, the insurance rating system  202  may receive traveling data for a traveler from at least one of the mobile device  220 , telematics device  222 , or insurance rating device  212 . The insurance rating system  202  may receive traveling data collected over a period of time by one or more sensors (e.g., sensors  225 , sensors  215 , or vehicle sensor  218 ). The traveling data may include real-time data, such as movement data representing any changes in position, velocity, and/or acceleration of the mobile device  220  or the insurance rating device  212 , and/or driving data representing a driver&#39;s speeds, accelerations, braking, GPS coordinates, and the like, associated with vehicle  217 . In some embodiments, the traveler may be a driver of vehicle  217 , a passenger in vehicle  217 , or a passenger in any mode of transportation (e.g., a bus, a train, airplane, spacecraft, etc.). In other embodiments, the traveler may be moving by foot (e.g., walking, jogging, or running) or traveling on a bicycle. 
     At step  302 , the insurance rating system may determine the number of miles traversed by a traveler. That is, the insurance rating system  202  may detect how many miles the traveler has traversed or traveled based on the traveling data collected over a period of time. For example, a traveler may be traveling on a plane and may traverse hundreds of miles over a shorter period of time than the number of miles that the traveler would traverse if traveling in a vehicle. In some arrangements, the insurance rating system  202  may thus detect the number of miles traveled by a traveler without distinguishing if the person is traveling by foot, by a bike, by a car, by aircraft, or by a spacecraft. At step  303 , the insurance rating system may identify one or more insurance factors for the traveler. For example, the insurance rating system  202  may identify one or more traditional insurance factors for rating calculations, such as age, gender, number of years a traveler has been driving, credit history, driving history, number of accidents, number of moving violations, number of tickets, and the like. In some arrangements, the insurance rating system  202  may parse one or more databases  206  to obtain specific insurance factor information for the traveler. 
     At step  304 , the insurance rating system may calculate an insurance rating for the traveler based on the number of miles traversed and the identified insurance factors. That is, the insurance rating system  202  may utilize the number of miles traversed as a factor in insurance rating and/or premium calculations. For example, the insurance rating system  202  may calculate an insurance rating based on varying weights of the number of miles traveled and the different insurance factors using one or more algorithms. At step  305 , the insurance rating system may transmit the insurance rating to the traveler. For example, the insurance rating system  202  may transmit a notification regarding the calculated insurance rating to an insurance rating device  212  or a mobile device  220  associated with the traveler. 
       FIG. 4  illustrates a flow diagram of an example method in accordance with aspects of the present disclosure. In particular,  FIG. 4  illustrates example method steps for collecting traveling data, identifying driving trips, analyzing driving behaviors, and calculating travel-based insurance premiums for travelers. The steps of  FIG. 4  may be performed by subsystems, application servers, and computing devices of the insurance rating system  202  (e.g., insurance rating subsystem  203 , insurance rating module  205 , and/or driving behaviors analysis server  207 ). One or more of the steps of  FIG. 4  may be performed by executing a travel-based insurance rating program (e.g., a travel-based insurance rating mobile application) and/or by operating a particularly configured computing device of the insurance rating system  202 . As a result of the method of  FIG. 4 , a passenger, at insurance rating device  212  (e.g., and/or at mobile device  220 ) and associated with vehicle  217 , may be provided with an insurance rating based on driving behaviors of a driver of vehicle  217 . 
     The method of  FIG. 4  may begin with a step  401  of receiving traveling data for a traveler. For example, the insurance rating system  202  may receive traveling data for a traveler (e.g., driver of vehicle  217 , passenger of the vehicle  217 , or passenger in another mode of transportation) from at least one of the mobile device  220 , telematics device  222 , or insurance rating device  212 . In some embodiments, the traveling data may be collected over a period of time by one or more sensors (e.g., sensors  225 , sensors  215 , or vehicle sensor  218 ), and the traveling data may include at least one of data indicating acceleration, speed, angular momentum, and location of the vehicle and/or movement data indicating any changes in position, velocity, and/or acceleration of the mobile device  220  or the insurance rating device  212 . At step  402 , the insurance rating system may identify whether or not the traveling data is within one or more predetermined ranges. For example, the insurance rating system  202  may determine if the collected traveling data is within a range of values for at least one of vehicle speeds, vehicle locations, vehicle mileage, and average time driven. If the one or more values of the traveling data are not within a predetermined range, then the method in this example may return to step  401 , at which the insurance rating system  202  may continue to receive traveling data for the vehicle  217 . The insurance rating system  202  may continue collection of traveling data for the vehicle  217  until the system  202  determines the one or more values of the traveling data to be within a predetermined range. 
     If the one or more values of the traveling data are within a predetermined range, then the method in this example proceeds to step  403 . By using the predetermined ranges, the insurance rating system  202  may be able to detect whether collected data from the one or more sensors is associated with an actual trip in a vehicle  217  or whether the collected data is a detected movement from another source (e.g., from the traveler walking, riding a bike, traveling in an airplane, or the like). 
     At step  403 , the insurance rating system may identify the traveling data as driving data and classify the driving data as a trip of a passenger. For example, the insurance rating system  202  may determine that the collected traveling data represents that the traveler is within a moving vehicle  217 , and the system  202  may classify the driving data as a trip in vehicle  217  for the traveler. At step  404 , the insurance rating system may determine one or more driving behaviors of a driver based on the driving data from the trip. For example, the traveler may be a passenger of the vehicle  217 , and the insurance rating system  202  may determine driving behaviors of the driver of the vehicle  217  based on analyzing the collected driving data from the trip. Based on the driving data, the insurance rating system  202  may identify safe driving behaviors, such as slow turns, driving at or below posted speed limits, safe braking, consistent acceleration, and the like, and/or unsafe driving behaviors, such as hard braking, sharp turns, inconsistent acceleration, speeding, missing traffic signals, failing to stop at road signs, drifting into other lanes, and the like. 
     In some embodiments, the insurance rating system  202  may collect driving data over several periods of time and classify the collected driving data as several different trips. Once the insurance rating system  202  has collected driving data for a certain number of trips (e.g., a predetermined minimum number of trips), then the insurance rating system  202  may continue with determining driving behaviors (e.g., step  404 ) based on the compiled driving data from all of the trips. 
     The method of  FIG. 4  continues at step  405 , in which the insurance rating system may calculate an insurance rating for the passenger based on the determined driving behaviors. For example, the insurance rating system  202  may calculate or adjust an insurance rating (e.g., score) for the passenger based on the driver&#39;s safe or unsafe driving behaviors while driving the vehicle  217  with the passenger. 
     In some embodiments, the insurance rating system  202  may calculate an insurance rating based on one or more driving behaviors by scoring each driving behavior factor. For example, driving behavior factors may include speed, braking, steering, turns signals, miles driven, amount of time driven at night, amount of time driven during daytime, acceleration, deceleration, cornering, and the like. The insurance rating system  202  may score each of the driving behavior factors based on the collected driving data from the vehicle  217  and assign a specific weight (e.g., a percentage of the driving behavior factor value) to each driving behavior factor. The insurance rating system  202  may then compute an overall driving score based on varying weights of the different driving behavior factors (which may be used in addition to traditional insurance factors). In some cases, the insurance rating system  202  may calculate one or more driving behavior scores and/or the overall driving score on a daily, weekly, monthly, or any other periodic basis. 
     Furthermore the insurance rating system  202  may include traditional insurance factors for calculating insurance ratings, in addition to driving behavior factors. For example, the insurance rating system  202  may use traditional insurance factors for rating calculations, such as age, gender, number of years the driver has been driving, credit history, driving history, number of accidents, number of moving violations, number of tickets, and the like. Based on these different factors, in addition to the driving behavior factors, the insurance rating system  202  may calculate an insurance rating based on varying weights of the different factors using one or more algorithms. 
     At step  406 , the insurance rating system may transmit the insurance rating to the passenger. For example, the insurance rating system  202  may transmit a notification regarding the calculated insurance rating to an insurance rating device  212  or a mobile device  220  associated with the passenger of the vehicle  217 . 
       FIG. 5  illustrates a flow diagram of an example method in accordance with aspects of the present disclosure. In particular,  FIG. 5  illustrates example method steps for collecting data and determining travel-based insurance ratings for passengers. The steps of  FIG. 5  may be performed by subsystems, application servers, and computing devices of the insurance rating system  202  (e.g., insurance rating subsystem  203 ). One or more of the steps of  FIG. 5  may be performed by executing a travel-based insurance rating program (e.g., a travel-based insurance rating mobile application) and/or by operating a particularly configured computing device of the insurance rating system  202 . As a result of the method of  FIG. 5 , a passenger, at insurance rating device  212  (e.g., and/or at mobile device  220 ) and associated with vehicle  217 , may be provided with an insurance rating based on sound levels in vehicle  217 , usage levels of the passenger, and driving behaviors of a driver of vehicle  217 . 
     The method of  FIG. 5  may begin with a step  501  of receiving driving data for a driver of the vehicle. For example, the insurance rating system  202  may receive driving data for a driver of the vehicle  217  from at least one of the mobile device  220 , telematics device  222 , or insurance rating device  212 . In some embodiments, the driving data may be collected over a period of time by one or more sensors (e.g., sensors  225 , sensors  215 , or vehicle sensor  218 ), and the driving data may include at least one of data indicating acceleration, speed, angular momentum, and location of the vehicle. At step  502 , the insurance rating system may receive data regarding a level of sound in the vehicle. For example, the insurance rating system  202  may receive data regarding detected sounds from one or more sensors (e.g., sensors  225 , sensors  215 , or vehicle sensor  218 ) in a vehicle  217 . In some cases, one or more sensors  225 , such as a microphone, installed on a passenger&#39;s or driver&#39;s mobile device  220  may detect sounds (e.g., loud music) above a certain threshold level (e.g., a value of decibels) in the vehicle  217 . The insurance rating system  202  may receive data indicating the value of decibels of loud music or loud sounds in the vehicle  217 . 
     At step  503 , the insurance rating system may receive data regarding a level of usage of a mobile device by the passenger. For example, the insurance rating system  202  may receive data regarding the passenger&#39;s usage of the mobile device  220  or insurance rating device  212  in the vehicle  217 . In some cases, the passenger&#39;s use of his or her device may be distracting to the driver of the vehicle  217 , and the insurance rating system  202  may account for this usage level in determining insurance ratings for the passenger. The passenger may provide an insurance rating application (e.g., insurance rating manager  213 ) installed on the passenger&#39;s device with access (e.g., permission levels) to determine the passenger&#39;s usage of the device based on push notifications, messages, phone calls, and the like. The insurance rating application may identify a number of text messages sent, a number of text messages received, number of minutes the passenger talks on the mobile device, and the like while the passenger is in the vehicle  217 . The application may then transmit data regarding the passenger&#39;s usage of the mobile device  220  or insurance rating device  212  to the insurance rating system  202 . 
     At step  504 , the insurance rating system may determine driving behaviors of a driving based on the driving data. For example, the insurance rating system  202  may determine driving behaviors of the driver of the vehicle  217  based on analyzing the collected driving data. Based on the driving data, the insurance rating system  202  may identify safe driving behaviors, such as slow turns, driving at or below posted speed limits, safe braking, consistent acceleration, and the like, and/or unsafe driving behaviors, such as hard braking, sharp turns, inconsistent acceleration, speeding, missing traffic signals, failing to stop at road signs, drifting into other lanes, and the like. 
     At step  505 , the insurance rating system may calculate an insurance rating for the passenger based on the level of sound, level of usage, and determined driving behaviors. For example, the insurance rating system  202  may calculate or adjust an insurance rating (e.g., score) for the passenger based on how distracting the passenger is to the driver in the vehicle  217  as indicated by the passenger&#39;s usage of his or her mobile device  220 , based on how loud the passenger is in the vehicle  217  (e.g., or how loud the music is in the vehicle  217 ) as indicated by the sound levels in the vehicle  217 , and/or based on the driver&#39;s safe or unsafe driving behaviors while driving the vehicle  217  with the passenger. 
     At step  506 , the insurance rating system may transmit the calculated insurance rating to the passenger. For example, the insurance rating system  202  may transmit a notification regarding the calculated insurance rating to an insurance rating device  212  or a mobile device  220  associated with the passenger of the vehicle  217 . 
       FIGS. 6A and 6B  each depict an illustrative diagram of example user interfaces of a travel-based insurance rating application  602  operating on a rating device  600  in accordance with aspects of the present disclosure. The example user interfaces may be presented on a display of a computing device, such as display  214  of insurance rating device  212 , on a mobile device such as mobile device  220  in  FIG. 2 , on a vehicle display of an on-board vehicle computing device, or the like. A traveler (e.g., any user including a passenger of a vehicle or any mode of transportation or a driver operating a vehicle, such as vehicle  217 ) may access a travel-based insurance rating application  602  using a rating device  600  (e.g., at least one of the insurance rating device  212 , telematics device  222 , or mobile device  220 ). Specifically,  FIGS. 6A and 6B  illustrate example user interfaces of utilizing a travel-based insurance rating application  602  to view and manage travel-based insurance rating services. 
     The user interface in  FIG. 6A  depicts an example of a notification that the travel-based insurance rating application  602  may depict to a user (e.g., a passenger or driver of a vehicle) after detecting that the user is traveling. In some embodiments, the user may be able to confirm that he or she is traveling in a vehicle on the travel-based insurance rating application  602 . In other embodiments, the user might not be in a vehicle and may instead be traveling on a plane (e.g., on an airplane runway or in the air), riding a bike, walking, or the like. In such cases, the user may be able to edit or delete the trip data using the travel-based insurance rating application  602 . 
     The travel-based insurance rating application  602  may also alert the user that the application is collecting real-time traveling data, including speeds, acceleration, GPS location, and the like, using one or more sensors on the mobile device (e.g., mobile device  220 ) or vehicle sensors. The user may be provided with options on the user interface to view the traveling data or view a map with the user&#39;s location. 
     The user interface in  FIG. 6B  depicts an example of what the travel-based insurance rating application  602  may present to a user after the insurance rating system has calculated insurance ratings. For example, the travel-based insurance rating application  602  may determine driving behaviors based on driving data of a driver and compute scores for each driving behavior. The travel-based insurance rating application  602  may then compute an overall score and determine or adjust an insurance rating for a passenger or driver according to the overall score from the driving behaviors. By utilizing the travel-based insurance rating application  602 , users may request additional information regarding the insurance rating and overall score, and also contact an insurance agent to discuss further regarding insurance options and insurance coverage. 
     Aspects of the invention have been described in terms of illustrative embodiments thereof. Numerous other embodiments, modifications, and variations within the scope and spirit of the appended claims will occur to persons of ordinary skill in the art from a review of this disclosure. For example, one of ordinary skill in the art will appreciate that the steps illustrated in the illustrative figures may be performed in other than the recited order, and that one or more steps illustrated may be optional in accordance with aspects of the invention.