In The Car Selects Earnix to Power Pricing and Rate Filings Across Its U.S. Expansion

ATLANTA, GA — In The Car (ITC), the embedded auto insurance platform transforming the dealership experience, today announced it has selected Earnix to power pricing, rating, and rate filings as the company expands into 18 additional U.S. markets. ITC will deploy Earnix's Price-It pricing and rating solution alongside Filing Accelerator, replacing the manual processes the company has used to date.

The selection follows ITC's national carrier partnership with Spinnaker Insurance Company and gives the company the pricing infrastructure to match the pace of its state-by-state rollout. Price-It puts model development, testing, and rate management directly in the hands of ITC's business teams, while Filing Accelerator automates filing documentation and keeps filed rates and production rates aligned as new states come online.

"The opportunity is to make insurance a seamless part of the vehicle-buying experience and scale that proposition across more dealerships and markets," said Matt Edmonds, CEO of In The Car. "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 provides AI-based pricing, rating, and decisioning software used by insurers worldwide. For ITC, the appeal was operational: every new state carries its own rate tables, rules, and filing requirements, and keeping those synchronized by hand does not scale past a handful of markets.

"In The Car is rethinking how auto insurance reaches customers," said Robin Gilthorpe, CEO of Earnix.

ITC's proprietary platform integrates directly into dealer management systems, delivering sub-45-second bindable quotes to consumers at the dealership without disrupting the vehicle purchase process. Accurate, fast, and well-governed pricing is what makes that experience possible — a quote returned in seconds is only valuable if the rate behind it is the rate on file.

With Earnix in place, ITC's pricing team can build and adjust rating logic, validate it against filed rates, and bring a new state live without the manual rework that has traditionally slowed multi-state expansion for growing MGAs.

This announcement was also covered by Insurtech Insights.

About In The Car (ITC)

In The Car is an embedded auto insurance platform operating as a Managing General Agent (MGA). ITC partners with OEMs, dealer groups, and automotive marketplaces to deliver bindable personal auto insurance directly within the vehicle purchase experience. The company's technology integrates with leading dealer management systems, enabling sub-45-second quotes with no disruption to the sales workflow. Learn more at www.inthecar.com.