1. A computer implemented method, comprising: using a telematics route tracking module to electronically receive, from a telematics device associated with a user, data relating to traversal of a user route, the telematics device configured to monitor a movement of the user and determine the data relating to traversal of the user route based on the movement of the user; processing, via a computing device with non-transitory memory and a processor, said electronically received data to determine user driving behavior based upon the data relating to traversal of the user route; identifying, based on the processing of the electronically received data, one or more driving infractions associated with the user, and using an insurance policy pricing module to generate, via the processor, insurance policy price data to determine pricing effects caused by one or more identified user driving infractions contingent upon said determined user driving behavior.