DriveFactor, formerly Crimson Informatics, provides a data capture device that drivers plug into vehicles and a private consumer friendly website that shows driving habits, routes, recommendations for improvement, and a unique DriveFactor status. In addition, DriveFactor provides insurance companies with a turn-key software platform that enables usage based insurance (UBI) programs. DriveFactor has created a UBI platform that is statistically more predictive and financially more attractive for insurance companies to implement, as well as a privacy-sensitive, financially equitable offering for consumers.