USED CAR DEALER INSURANCE THAT POWERS YOUR BUSINESS
When you operate a used car dealership, your customers count on your selection, honesty, and service. But while you focus on delivering a great buying experience and keeping your lot full of quality vehicles, your business faces serious risks—many of which can impact your bottom line.
At Lancer, we understand the unique challenges that come with selling used vehicles. That’s why we offer garage insurance solutions specifically designed to protect used car dealers from the liabilities and losses that can arise during day-to-day operations. Backed by decades of experience supporting dealerships across New York, we're here to help your business thrive with dependable, industry-focused coverage.
Becoming a Lancer policyholder is simple—and smart. Our used car dealer insurance products are offered exclusively through independent agents and brokers, ensuring you receive local expertise and personalized advice. To get started, complete our quick online used car dealer insurance questionnaire, have your broker contact us, or connect with our used car dealer insurance team for a Lancer-approved producer near you.
If you’re an independent agent or broker interested in offering Lancer’s used car dealer insurance to your clients, we’d welcome a conversation. Contact our used car dealer insurance team about becoming a Lancer producer.
GARAGE INSURANCE DESIGNED FOR USED CAR DEALERS
New York used car dealerships—from Amherst to Yonkers—rely on Lancer for financial protection and peace of mind. With our AM Best A (Excellent) rated coverages, you can experience the same sense of security.
> Learn More
GARAGE DEALER LIABILITY INSURANCE
Garage dealer liability insurance offers essential protection for used car dealerships, covering claims of bodily injury (BI) and/or property damage (PD) arising out of business operations such as customer slip-and-fall accidents, test drive incidents, or third-party property damage. Without it, your dealership remains vulnerable to costly legal claims and financial losses.
Other garage dealer liability coverages are available, including:
- Additional insured endorsements – Extends liability protection to a premises owner or franchisor associated with your business operations
- Damage to premises rented to you – Helps pay for accidental damage to leased or rented locations
It is important to note that garage dealer liability insurance does not protect your vehicle inventory. That’s where dealers physical damage coverage comes in.
DEALERS PHYSICAL DAMAGE
For a used car dealer, the inventory on your lot is your most critical asset, representing a significant financial investment. Every day, these vehicles face risks such as severe weather, vandalism, and theft. Dealers physical damage coverage safeguards your dealership from costly setbacks by providing essential protection for the vehicles you own and hold for sale.
USED CAR DEALERS WE INSURE
Whether you're managing a small independent lot or a multi-location operation, used car dealer insurance is essential to ensure the financial security and continuity of your business. We proudly provide garage dealer liability and dealers physical damage coverage to used car dealerships that sell private passenger type vehicles, SUVs, pick-up trucks, and cargo vans.
Not sure if your business qualifies? Call us or request a used car dealer insurance quote online.
POLICYHOLDER BENEFITS
When you choose Lancer, you get more than top-notch coverage. You get an insurer committed to your long-term success—with complimentary tools and services you can depend on.
> Learn More
Here’s what you can expect as a Lancer used car dealer insurance policyholder:
- Easy-to-use accident and claim reporting aids
- SafetyLink Hotline for answers to loss control questions
- Safety Stop blog with risk management best practices
- 24/7 online driver training videos
- Business Resource Hub to help you protect employees and vehicles and support operations
- Natural Disaster Preparedness materials focused on minimizing risk and keeping your business resilient during extreme weather
- Unrivalled loss control services to help you reduce claims and keep business goals on track
AROUND-THE-CLOCK CLAIMS SUPPORT
Accidents happen—whether on the lot or on the road. When they do, Lancer is by your side. Our 24/7/365 toll-free claims hotline connects you with knowledgeable adjusters who understand the used car business and can resolve issues quickly and professionally.
What’s more, our Loss Recovery Program helps you recoup out-of-pocket expenses and deductible costs when another party is at fault—at no extra cost to you
PROTECT YOUR DEALERSHIP TODAY
You’ve worked tirelessly to build your dealership—you need to make sure it’s properly protected. With Lancer, you get solid used car dealer insurance coverage—plus a trusted ally who knows your industry.
Request a used car dealer insurance quote today.
MORE USED CAR DEALER INSURANCE WE OFFER
DEALER PLATE INSURANCE
Customer test drives are a standard step in the vehicle sales process. With Lancer’s dealer plate insurance, you get essential liability protection whenever a prospective buyer takes a car out on the road. Contact our dealer and transporter plate insurance team to learn more!
TRANSPORTER PLATE INSURANCE
Do you use transporter plates to move vehicles between locations or to and from auctions? Our transporter plate insurance offers vital coverage for vehicles in transit and ensures you meet legal requirements. Reach out to our dealer and transporter plate insurance team for details.
““Lancer’s risk management team does an extraordinary job of helping my clients implement a program to help them reduce their risk and improve their operations!””
