Method and system for providing vehicle insurance discounts. For example, the method includes receiving a first discount value determined by a user for an insurance policy of a vehicle, applying the first discount value to the insurance policy for a predetermined period of time, collecting driving data associated with trips made by the vehicle during the predetermined period of time, determining a driving behavior of the user based on analyzing the driving data, presenting to the user whether the driving behavior is indicative of the first discount value, analyzing the driving data to determine a second discount value for the insurance policy, and after the predetermined period of time, replacing the first discount value with the second discount value and applying the second discount value to the insurance policy.