Personal auto
The policy most people buy on price and discover on a claim.
What actually decides your premium
Driver record, vehicle symbol from the VIN, garaging territory, annual mileage, prior continuous coverage, and - where state law permits it - an insurance score. We show every factor we used and what it did to the number.
The two gaps we find most often
Rideshare and delivery driving is excluded on an unendorsed personal auto policy, and uninsured-motorist limits are frequently written far below the liability limit. Roughly one in eight U.S. drivers is uninsured; your UM limit is what pays when one of them hits you.
What we will not do
We will not quote you a state-minimum liability limit next to a full-coverage quote and let you compare the totals as though they are the same purchase.
The exclusions we read for in this line
| Exclusion | Severity | What it means |
|---|---|---|
| Business use of the vehicle excluded | material | Deliveries and job-site transport fall outside a personal auto policy. |
| Aftermarket parts permitted | informational | Repairs may use non-OEM parts. |
| Rideshare / delivery use excluded | critical | App-on period 1 is a coverage hole on unendorsed personal auto. |
| UM/UIM stacking prohibited | informational | Limits do not stack across vehicles. |
The market archetypes we shop in this line
IronKey does not publish carrier names it is not appointed with. These are the program archetypes the exchange shops. When an appointment is executed, the carrier's name and rating appear here.
| Program | Type | A.M. Best | Bind | Note |
|---|---|---|---|---|
| Preferred Standard Program A Preferred Auto |
admitted | A+ (Superior) | instant | Best form in the panel. Tight underwriting: one at-fault, no majors. |
| Broad Standard Program B Standard Auto |
admitted | A (Excellent) | instant | |
| Digital Direct Program C Telematics Auto |
digital mga | A- (Excellent) | instant | Cheapest sticker, thinnest form, highest complaint index in the panel. IronKey shows it and names the trade. |
| Non-Standard Program D Non-Standard Auto |
admitted | B++ (Good) | same day | SR-22 capable. Service-heavy; deliberately de-emphasized (thesis s.3.2 Tier 3). |
Insurance offered through licensed agents. IronKey Care is an independent insurance agency, not an insurer. Availability and eligibility vary by state.