In The Car, LLC., a digital-first embedded insurance platform, has announced the filing of a U.S. provisional patent for its innovative technology that delivers real-time, personalized auto insurance to customers at the point of car purchase or service appointments. The patent-pending system allows Original Equipment Manufacturers (OEMs) and automotive dealerships to offer individualized insurance quotes from an A-rated insurer almost instantly, providing a seamless and enhanced experience for customers.
Revolutionizing the Auto Insurance Process
The new technology integrates directly into a dealership’s management system (DMS), allowing car dealers to provide tailored insurance quotes without disrupting the sales process. By leveraging secure data connections, real-time event triggers, and automation, In The Car transforms how consumers discover and purchase insurance.
“Our goal is to make insurance contextual, effortless, and available exactly when it’s needed — during the buying or servicing of a vehicle,” said Matt Edmonds, CEO of In The Car. “This patent filing is a critical step in reshaping how technology connects drivers, dealerships, and insurers.”
Simplifying the Insurance Experience
The new system eliminates the need for customers to interrupt their car-buying experience by seeking insurance elsewhere. Traditionally, when purchasing a vehicle, customers are often asked to obtain insurance separately by visiting an agent, browsing online comparison sites, or using aggregators. In contrast, In The Car utilizes the customer information already provided through the dealership’s DMS to instantly generate a custom insurance quote in under a minute.
Similarly, when customers bring their cars in for service, In The Car provides a competitively priced insurance quote while they wait. If the customer shows interest, they receive a tailored offer that reflects or improves upon their existing coverage — often at a lower cost.
A System Built for All Parties
Laura Crabill, Vice President of Operations at In The Car, emphasized the system’s benefits for all parties involved. “We are focused on building a solution that simplifies dealership operations while offering customers meaningful choice and convenience,” Crabill said.
The patent filing marks a significant milestone for In The Car, signaling the company’s commitment to connecting the automotive and insurance industries through digital innovation.
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