Used Car Dealer Insurance Solutions That Protect Your Business and Your Bottom Line

The Right Used Car Dealer Insurance Makes All the Difference

Whether you run a small independent lot or manage a large dealership, finding the right used car dealer insurance is one of the most important steps you can take to protect your business, your inventory, and your reputation. At ISE Insurance Services, we specialize in helping independent auto dealers like you get the car dealership insurance you need—without overpaying.

We don’t use call centers. We don’t believe in one-size-fits-all. Instead, our experienced agents work directly with you to provide customized auto dealer insurance quotes that reflect your specific operations, your inventory levels, and your state’s legal requirements.

👉 Explore Independent Auto Dealer Insurance Options »

✅ What Do Used Car Dealers Look for in Business Insurance?

When shopping for commercial auto dealer insurance, successful dealers focus on these key priorities:

1. Comprehensive Coverage Packages

ISE Insurance offers tailored solutions that may include:

• Auto dealer garage liability insurance – Protects you from third-party injury or property damage claims.

• Dealers open lot insurance – Covers your inventory against theft, vandalism, weather events, and more.

• Floor plan insurance – Required by many lenders to protect financed inventory.

• Auto dealer bond insurance – Helps you meet your state licensing requirements.

• Workers’ comp, E&O, cyber, and more – We offer complete coverage solutions, so you’re never underinsured.

2. Affordable Rates & Stable Premiums

We know how volatile insurance pricing can be—especially for insurance for used car lots. That’s why we’ve built relationships with top carriers and have access to exclusive dealer programs that help control costs and reduce premium surprises at renewal.

3. Fast, Fair Claims & Carrier Reputation

We only work with A-rated carriers that are known for their financial strength and responsive claims service—because the moment something goes wrong, you’ll want a partner you can count on.

4. Dealer-Friendly Service

We make doing business easy:

• Fast auto dealer insurance quotes

• Digital Certificates of Insurance (COIs) – usually within a few hours

• Ongoing support from the same licensed professional—not a phone tree

5. Expertise That Matters

With over 30 years of experience, our team knows the auto dealer space inside and out. We guide you through everything from dealers open lot limits to auto dealer bond requirements, including those specific to your state. We currently serve dealers across:

California, Arizona, Nevada, Texas, Missouri, Kansas, Utah, Oregon, Idaho, Pennsylvania, Georgia, and more.

6. Compliance & Licensing Support

We help you meet your local DMV and licensing board requirements—whether it’s verifying floor plan insurance, proof of garage liability insurance, or securing your auto dealer bond.

7. Inventory-Specific Guidance

Not sure how much coverage you need per vehicle vs. per lot? We’ll walk you through deductible structures, sublimits for hail/windstorm, and other factors that impact your total cost of risk.

8. Optional Add-ons for Extra Protection

Many of our clients also add:

• False pretense coverage

• Employee dishonesty / crime insurance

• Cyber liability for electronic sales and records

Why Choose ISE Insurance for Your Auto Dealer Insurance Needs?

• ✔ Personalized Service – We take the time to understand your operation

• ✔ Specialized Programs – Including semi-exclusive dealer insurance programs not available through most brokers

• ✔ Broad State Coverage – From the West Coast to the Midwest and beyond

• ✔ Decades of Experience – We’ve seen—and solved—it all

👉 Get a Free Quote Today »
Or call us directly at 916-836-8112 to speak with an expert

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