1. A method of determining a driver score comprising: (a) receiving registration of a driver's first or secondary vehicles and personal history, which includes a plurality of risk assessment factors, wherein said risk assessment factors are each analyzed to derive individual weighted scores, and wherein said individual weighted scores are each distinct from an objective driver score used to assess said driver's insurability; (b) providing each driver with a portable pin unit with a unique electronic key used as a unique identifier for the driver being assessed, and wherein said portable pin unit includes means for selective activation of a monitoring unit in either vehicle to start a monitoring session by monitoring the individual driver's operation of the vehicle in a manner that is independent of the vehicle such that concurrent monitoring of a plurality of drivers of the same vehicle can occur; (c) equipping at least one vehicle with said monitoring unit, where upon activation the driver's operation of said vehicle and other pertinent-data elements concerning the vehicle are monitored, recorded and transmitted to an evaluation center to generate said driver's risk assessment record; (d) receiving the driver's risk assessment record which is analyzed to derive a weighted driver risk assessment score, wherein said weighted driver risk assessment score is distinct from the objective driver score; and (e) determining and outputting the objective driver score based on the aggregate of the individual weighted scores derived from the plurality of risk assessment factors and the driver's risk assessment record.