Pronto Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Scope / markets: • Pronto is primarily a non‑standard personal auto carrier with a strong focus on Texas; independent‑agent and franchise channels are active in TX and CA.([prontoinsurance.com](https://www.prontoinsurance.com/en/independent-agent?utm_source=openai)) • The detailed underwriting content available online is Texas‑centric and appears to support a Texas Personal Auto Program written on Redpoint County Mutual paper.([pulsetraining.prontoinsurance.com](https://pulsetraining.prontoinsurance.com/formsunderwriting?utm_source=openai)) Preferred / target business (TX personal auto): • Personal‑use private passenger vehicles only – no commercial or artisan use.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • Texas residents where all operators reside and work in Texas; all vehicles and drivers garaged at the named insured’s address (student exceptions in‑state if specifically listed).([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • Vehicles less than 40 years old with valid U.S. license plates and titled to an individual (owner must be listed on the application).([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • Policies needing Texas minimum financial responsibility limits (30/60/25 BI/PD) with options to add PIP and UM/UIM per Texas Personal Auto Policy form.([pulsetraining.prontoinsurance.com](https://pulsetraining.prontoinsurance.com/formsunderwriting?utm_source=openai)) • Non‑standard drivers are acceptable within point and violation limits; program is described as a "no credit scored" personal auto program for independent agents.([prontoinsurance.com](https://www.prontoinsurance.com/en/independent-agent?utm_source=openai)) Driver eligibility / risk tolerance: • All household members age 12+ must be disclosed; any regular operator must be listed. Vehicles should not be regularly available to unnamed drivers.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • Traffic convictions and at‑fault accidents in the past 3 years must be disclosed for all drivers. – Drivers generally must not exceed 7 total points for traffic violations/accidents on the current quote. – Prior policies with more than 10 points are outside normal tolerance. – No more than one DWI/DUI or similar alcohol/drug‑related violation within the last 36 months.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • SR‑22 filings are supported in Texas, with the insured required to maintain SR‑22 for 2 years from filing date to keep a valid license.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) Vehicle eligibility / restricted classes: • Eligible: standard private passenger autos used strictly for personal use. • Ineligible / declined: – Any vehicle used for commercial, business, artisan, or livery purposes.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) – Vehicles older than 40 model years. – Vehicles owned by a corporation, business entity, or government. – Exotic, show, race or high‑performance vehicles, or units used for racing or exhibition.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • All vehicles must carry current valid U.S. plates and meet Texas registration requirements.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) Coverage structure / product notes (TX personal auto): • Core coverages offered on personal auto policies: – Liability (at least 30/60/25 limits to satisfy Texas minimum financial responsibility). – Personal Injury Protection (PIP). – Uninsured/Underinsured Motorist (UM/UIM) BI and PD.([pulsetraining.prontoinsurance.com](https://pulsetraining.prontoinsurance.com/formsunderwriting?utm_source=openai)) • Coverages may be written together or separately (modular approach); agents are expected to evaluate needs and upsell appropriate options.([pulsetraining.prontoinsurance.com](https://pulsetraining.prontoinsurance.com/formsunderwriting?utm_source=openai)) Geographic notes: • Personal auto and home currently marketed in Texas and California; life products marketed in Texas only.([bankrate.com](https://www.bankrate.com/insurance/reviews/pronto/?utm_source=openai)) • Texas‑specific underwriting rules apply to the program reflected in the Pulse “UnderWriting – Personal auto policy” training content. • Prior third‑party sources note that Pronto is no longer writing home or auto in Florida; any legacy FL policies are serviced by successor carriers.([bankrate.com](https://www.bankrate.com/insurance/reviews/pronto/?utm_source=openai)) Submission / agent expectations: • Independent agents: Pronto offers a no‑credit‑score personal auto program, real‑time policy issuance platform, and aggressive commission structure; strong emphasis on using internal rating/underwriting tools (Pulse system) for quoting, policy lookup, and servicing.([prontoinsurance.com](https://www.prontoinsurance.com/en/independent-agent?utm_source=openai)) • Application requirements for liability‑only policies include: disclosure of current or prior Pronto coverage, all vehicles and drivers (including household members 12+), full 3‑year violation/accident history, confirmation of personal‑use status, and confirmation that all risks are Texas residents with common garaging address (except specifically listed in‑state students).([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • Agents must ensure the vehicle owner is named on the application and verify that all vehicles meet registration and use requirements before binding.([prontoinsurance.com](https://www.prontoinsurance.com/es/product/auto-insurance?utm_source=openai)) • Training site notes that agents are responsible for evaluating customer needs, educating insureds, and upselling coverages appropriately within underwriting rules; Pulse platform provides access to underwriting forms, reference material, and policy search.([pulsetraining.prontoinsurance.com](https://pulsetraining.prontoinsurance.com/formsunderwriting?utm_source=openai)) Broker / producer notes: • Captive, virtual, franchise, and independent agents all access the Pulse system, but independent agents may only service policies they wrote, while captive/virtual/franchise locations may service each other’s policies.([pulsetraining.prontoinsurance.com](https://pulsetraining.prontoinsurance.com/policy-lookup?utm_source=openai)) • Underwriting and servicing are heavily system‑driven; agents should rely on current Pulse training and reference documents for any class, form, or state‑specific updates beyond what is publicly visible. Operational caveats: • The publicly viewable guidelines are presented in consumer‑facing terms and training excerpts; they may not reflect the full current underwriting manual by state, carrier, or program. Confirm any edge‑case risks (multiple DUIs, unusual vehicles, non‑Texas garaging, or business use) directly in the agent portal or with Pronto underwriting before binding. • For business outside Texas personal auto, including CA auto, Mexico auto, home, or commercial lines, no detailed current underwriting appetite is published publicly; treat such placements as program‑specific and confirm via the applicable program guide or underwriter.