Why Independent Auto Dealers Need the Right Insurance — and the Right Partner

Running an independent or used car dealership comes with unique risks — and choosing the right insurance isn’t just a smart business move, it’s essential for staying compliant and protecting your lot, your customers, and your future. Whether you’re a seasoned car dealer or just opened your first small car lot, getting the right independent auto dealer insurance can make all the difference when it matters most.

Why the Right Coverage Matters for Used Car Dealers

From inventory on your lot to test drives and employee activity, your dealership faces potential liabilities daily. Here’s why choosing the right car dealership insurance is critical:

• Protects your inventory with dealers open lot coverage

• Shields your business from customer injury claims with dealer garage liability insurance

• Ensures compliance with DMV bonding requirements via auto dealer bond insurance

• Safeguards your finances with optional floor plan insurance for dealers

• Covers vehicles in transit or on test drives under the right commercial auto structure

Many agents don’t understand the nuances of insurance for used car lots. At ISE Insurance, we do — and we’ve built specialized programs that reflect that understanding.

Serving Dealers Across the West and Midwest

ISE Insurance is proud to serve independent auto dealers in:

• Arizona (AZ) – From Phoenix to Tucson, we know the desert market dynamics

• California (CA) – Our home base, with deep experience across SoCal and NorCal

• Nevada (NV) – From Las Vegas to Reno, we help dealers navigate fluctuating markets

• Idaho (ID) – Tailored options for smaller dealers and rural operations

• Utah (UT) – Affordable protection for fast-growing markets like Salt Lake City

• Missouri (MO) and Kansas (KS) – Specialized coverage for the heartland

• Texas (TX) – Whether you’re in Dallas, Houston, or the Panhandle, we’ve got you covered

• Oregon (OR) – Solutions built for compliance and coverage across the Pacific Northwest

📍 No matter where you’re located in these states, ISE has the licensing, experience, and carrier relationships to deliver better coverage at a better price.

Specialized Insurance Programs Designed for Car Dealers

We’ve partnered with two of the strongest names in the industry — Pearl Insurance and The Amynta Dealer Group — to offer semi-exclusive insurance programs tailored for the needs of independent auto dealers and used car dealerships. These programs are built to deliver:

• Better pricing — often saving clients up to 30% compared to traditional markets

• Broader coverage options customized to your risk profile

• Faster quoting and approval processes to get you covered quickly

🚗 Learn more about our Independent Auto Dealer Insurance Programs

What Sets ISE Insurance Apart?

At ISE Insurance Services, we bring more than just policies — we bring experience, service, and access.

✅ Over 30 years of experience insuring hard-to-place risks and dealer operations
✅ Licensed in over 30 states, including all the states mentioned above
✅ Personalized service — every client gets an expert agent, not a call center
✅ Market access to top-tier carriers including Pearl and Amynta
✅ Proven savings — we’ve helped independent dealers cut costs and expand coverage

Whether you’re searching for:

• Used car dealer insurance

• Insurance for independent auto dealers

• Auto dealer insurance quote

• Or just better commercial insurance for car dealerships

ISE Insurance is here to help.

Ready for a Better Insurance Experience?

Don’t settle for outdated policies or overpriced premiums. With ISE Insurance, you’ll get expert guidance, better options, and a partner that’s as committed to your success as you are.

👉 Request a Quote Today
📞 Or Call Us Directly at 916-836-8112

We specialize in protecting what’s important to you — one dealer at a time.