# Insurance at the wheel of every vehicle you sell
> Auto coverage for automakers and dealership networks. Bundled at checkout, tied to VIN, underwritten in real time. The same stack that runs OEM in-flow quotes, the same bundles that drive home-plus-auto loyalty discounts, the same rails that let any dealer connect DTC in a sprint.
Canonical URL: https://www.sureapp.com/industries/auto
Industry slug: auto
Category: undefined
## Key metrics

- 3.2x — Attach-rate lift for auto bundled with home at checkout.
- 214ms — Median quote-to-bind latency, VIN-enriched, across 50 states and DC.
- 18days — From kickoff to first bound policy in a new dealer network. No MGA spin-up.
- 91% — Of AI-assisted quotes complete without an agent keystroke. Exceptions route to humans.

## Coverage that moves with the metal

Whether you run a 50-state DTC configurator, a national dealer network, or a homeowner-first brand looking for auto loyalty, the stack has a shape that fits. Same underwriting, same ledger, three in-flow surfaces.
### 01. Home + auto, in one cart, with a real discount
The longstanding “multi-line” discount, reborn as a checkout option. Surface the home and auto bundle inside the same flow a buyer already moves through. Underwritten together, billed together, cancellable together.
- Bundle discount priced against filed HO-3 and PAP rate tables.
- Shared deductibles and deductible-recoverability, where filed.
- Single Sure ID across carriers, billed through one payments rail.
### 02. OEM-native, in-flow. Quote, bind, deliver
Drop coverage into your OEM checkout the same way payment and registration live there. A VIN is all you need. Sure pre-fills the applicant, prices to the garage state, and binds before the confirmation email ships.
- VIN-first API: one call returns a bindable quote with coverage defaults.
- Garage-aware pricing: changes the rate instantly when the delivery state changes.
- Policy number + ID card returned to your order payload. No redirects.
### 03. Every dealership, an insurance storefront
A whitelabeled DTC portal for any franchise or independent dealer. Live rate comparison, test-drive-to-quote handoff, F&I-ready exports, all skinned to the dealer brand, all settled on Sure's rails.
- Dealer-branded storefront with optional agent handoff for complex risks.
- Test-drive capture: a phone tap during inspection starts a pre-qualified quote.
- F&I export to CDK, Reynolds, DealerSocket. Commissions reconciled nightly.

## Built into the tools dealerships already run on

Prebuilt connectors for the DMS, F&I, and checkout stacks the auto industry actually uses. Drop in a handful of keys. Skip the integration tour.
- CDK Global — Bind events flow to DMS as F&I line items.
- Reynolds & Reynolds — Commission reconciliation, nightly.
- DealerSocket — CRM-side quote enrichment from VIN.
- Shopify Checkout — DTC storefronts, bundled at cart.
- Stripe & Adyen — Premium collection via your existing merchant.
- Model Context (MCP) — Any agent can quote, bind, explain.

## Compliance

- 50 states + DC, PR
- SOC 2 Type II
- NAIC Model Audit Rule
- SHA-256 ledger · per policy
- Filings tracked: 2,140+ auto forms

## Put a bindable auto quote at the end of your checkout

Learn more about how Sure can launch your auto program in weeks, not months.
Primary action: Book a walkthrough