1. A system that monitors and facilitates a review of data collected from a vehicle that is used to determine a level of safety or cost of insurance comprising: a processor that collects vehicle data from a vehicle bus that represents aspects of operating the vehicle; a memory that stores selected vehicle data related to a level of safety or an insurable risk in operating a vehicle; a wireless transmitter configured to transfer the selected vehicle data retained within the memory to a distributed network and a server; a database operatively linked to the server to store the selected vehicle data transmitted by the wireless transmitter, the database comprising a storage system remote from the wireless transmitter and the memory comprising records with operations for searching the records and other functions; where the server is configured to process selected vehicle data that represents one or more aspects of operating the vehicle with data that reflects how the selected vehicle data affects a premium of an insurance policy, safety or level of risk; and where the server is further configured to generate a rating factor based on the selected vehicle data stored in the database.