Is my inventory covered at every lot?
Dealers open lot can protect dealer-owned inventory, but the quote must reflect each sales and storage location, the maximum total value and the maximum value per vehicle.
Independent dealer insurance brokerage
Used-Car Dealer Insurance
Coverage for the cars you own, the customers who test-drive them and the transactions behind every sale
Opening a dealership, replacing a nonrenewed policy or comparing another quote? We review retail used, new-and-used, wholesale, consignment, internet and import/export operations, subject to underwriting.
- Free quote review, no obligation
- New ventures, nonrenewals and specialty operations welcome
- One independent broker handles your request. Your information is never sold.
- Licensed in California and Nevada: CA #6008364 · NV #4188928
Dealer insurance quote request
Request a dealer insurance quote
After you start the request, a licensed broker reviews your operation and follows up by phone or email.
Prefer to talk? Call a Broker: (925) 744-6553.
Your dealership information was received.
A licensed broker will review the operation and identify the underwriting information needed next.
What dealers are actually buying
The premium only makes sense when you know which vehicles, drivers, locations and transactions the policy is designed to cover. Terms remain subject to underwriting.
Who is covered during a test drive?
The answer depends on the policy form and its driver restrictions. We review accompanied and unaccompanied test drives rather than assuming every customer driver is covered.
What protects title and odometer claims?
Dealer E&O options may address allegations involving titles, odometers, truth-in-lending disclosures and related dealer transactions.
Can I adjust limits or deductibles?
We can examine liability limits, annual aggregates, inventory deductibles, UM/UIM and medical payments options. Any revision remains subject to underwriting.
Do you cover customer vehicles?
Garagekeepers is coverage to consider when customers leave vehicles with the dealership for service, repair, detailing or another covered operation.
What if my operation is unusual?
Imports, salvage or rebuilt vehicles, consignment and sight-unseen sales need a submission that explains how vehicles are acquired, stored and transported.
Quote comparison
Two dealer quotes can look similar and cover very different things
A lower premium may reflect a lower liability limit, no inventory coverage, a higher deductible or different E&O terms. We show you the differences before you choose.
- Test drives: customer-driver and scheduled-driver restrictions.
- Inventory: limits by location and maximum value per vehicle.
- Valuation: deductibles and any applicable coinsurance requirement.
- Dealer E&O: title, odometer and financing-related allegations.
- Optional coverages: whether UM/UIM and medical payments are included.
- Liability structure: per-accident limits and annual aggregates.
A dealer-specific process
- 1. Describe the dealership. Start with the operation, timing, inventory and service exposure.
- 2. Broker review. We identify the schedules, loss information and coverage details needed for a complete submission.
- 3. Market evaluation. Suitable insurance markets evaluate the submission and determine available terms.
Common questions
Is this a dealer bond?
A dealer bond and dealership insurance address different obligations. This intake is for the insurance program, not a bond-only purchase.
Can a new dealership submit?
Yes. New ventures may be considered, subject to the owner's experience, operations and underwriting requirements.
What should I have available?
Current coverage information, loss runs, driver details, inventory values and information about each sales or storage location are commonly requested after the initial review.
Garage and auto coverage guides
- Garage liability vs. garagekeepersHow customer vehicles, premises liability, and garage operations fit into different coverage sections.
- Auto repair shop insuranceCoverage and underwriting guidance when service or repair is a material part of the operation.
Glacier Point Insurance Services, Inc. is an insurance producer, not an insurance company. Coverage is subject to carrier underwriting, terms, conditions and availability. Some placements may be written through approved surplus lines insurers and are subject to California surplus lines requirements. No coverage is bound by submitting this form.