In The Car (ITC), a business that builds digitally integrated insurance offerings for car manufacturers and dealerships, has chosen insurance-focused AI firm Earnix to support its move beyond two US states into a further 18 markets.
ITC will adopt two Earnix tools, the Price-It pricing and rating solution and Filing Accelerator. The deployment will take over work that ITC currently handles manually, putting pricing and filing control in the hands of business users rather than IT staff. The aim is to shorten the time needed to develop and file rates, and to give the company more room to manoeuvre as it enters unfamiliar territories.
With Price-It, ITC’s commercial teams will be able to design, trial and oversee their own pricing, react more quickly when market conditions shift, and draw on broader market and competitor insight when setting future rates. Filing Accelerator, meanwhile, is intended to cut the time between a pricing decision and its launch by automatically producing filing paperwork and helping ensure that the rates submitted to regulators match those used in production.
ITC’s growth plans centre on embedding cover within the car-buying process itself. Its approach lets manufacturers and dealers present insurance to buyers at the moment of purchase, which offers customers a more joined-up experience and gives automotive partners fresh ways to strengthen their relationships with drivers. As that expansion gathered pace, the company found it needed pricing and filing systems capable of growing alongside it.
ITC supplies white-label, digital-first insurance programmes to vehicle manufacturers and dealerships. Its platform builds coverage into the purchasing journey so that buyers can arrange insurance when they acquire a vehicle.
Earnix describes itself as the first AI company designed specifically for insurance decision-making. Drawing on more than 25 years of work in AI, risk, pricing, rating and analytics, it provides insurers with production-grade decisioning technology spanning pricing, underwriting, claims, customer engagement and retention. Its AIOS platform allows insurers to coordinate intelligence throughout the decision lifecycle and make governed, real-time decisions.
In The Car CEO Matt Edmonds said, “The opportunity is to make insurance a seamless part of the vehicle-buying experience and scale that proposition across more dealerships and markets.
“As we move into more markets, we need pricing and filing capabilities that can keep pace with that ambition without adding unnecessary complexity. Earnix gives our team the control and flexibility to manage that growth directly and move faster.”
Earnix CEO Robin Gilthorpe said, “In The Car is rethinking how auto insurance reaches customers.
“As that model expands, pricing and filing have to become an enabler of growth — helping ITC enter new markets faster, adapt quickly and scale without adding unnecessary operational complexity. Our role is to give them the speed, control and flexibility to do exactly that.”
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