1. A method, comprising: providing vehicle insurance for a vehicle at a cost; sending, by a location detection unit, a travel route of the vehicle; receiving, at a telematics device from the location detection unit, a route value for the travel route of the vehicle, wherein the route value is based on at least part of the accident information, wherein the accident information comprises accident loss information; and adjusting, by the telematics device, the cost of the vehicle insurance for the vehicle based on the route value.