We insure dealers — that's all we do.
AutoDealerInsurance.com is the dealer program of Contractors Choice Agency. We exist to solve one problem well: getting auto dealers the specialized commercial coverage a generic business policy simply can't provide.
Dealerships are among the most misunderstood risks in commercial insurance. Between the inventory sitting outside, the constant test drives, the service lane full of customer cars, and an F&I office generating legal exposure on every deal, a dealership needs an agent who actually understands the operation. That's the gap we fill.
Why we specialize
Most insurance agencies write a dealer or two among hundreds of unrelated businesses. When dealer coverage is a side line, the details get missed — the open-lot limit set too low, a garagekeepers form left on legal-liability instead of direct primary, a dealer-plate exposure nobody asked about. Those gaps stay invisible until a hailstorm or a lawsuit finds them.
We took the opposite approach and built a program dedicated to dealers. That focus means we can move faster, structure coverage more precisely, and speak your language — from floor-plan lender requirements to the way your state's licensing board wants your certificate written. We place coverage for new car franchises, independent and buy-here-pay-here used lots, powersports and motorcycle dealers, RV and marine dealers, and wholesale and auction operations, in all 50 states.
As a Contractors Choice Agency program, we bring the carrier relationships and market access of an established agency to a niche we know cold. The result is a dealer program that's both specialized and well-supported — the best of both worlds.
What you can expect from us
Dealer-focused
We don't dabble in dealer insurance — it's the whole point of this program. We know the forms, the lenders, and the state rules.
Whole-program thinking
We build garage, open lot, garagekeepers, F&I, comp, cyber, property, and umbrella to work together, not as disconnected policies.
Advocates, not order-takers
We shop your risk to carriers that want dealer business and stay in your corner at renewal and at claim time.
Straight answers
Clear explanations of what's covered and what isn't — no jargon, no surprises when you need the policy to respond.
Get a dealer insurance quote today
Tell us about your dealership and we'll build a program that fits how you actually operate — often with same-day turnaround.