We Love Auto Dealers!

Bet You Haven't Heard That in a While...

Our Knowledgeable Insurance Agents Can Help You

Identify Coverage Needs

Understand Insurance Costs

Reduce Risk

As an independent insurance agency, we work with a wide range of companies that offer competitive pricing to used car dealerships. If you want to discuss your current insurance situation, please call (952) 914-7162. Or you can start the process now. Simply complete a brief form to request a quote for your used car dealership and we will call you with more information.

Meet Our Team

We Are Used Auto Dealer Insurance Specialists

Tim Cleary

Tim Cleary Used Auto Dealer Insurance



Amy Binning

Amy Binning Used Auto Dealer Insurance

Account Manager



The Cleary Team at Horizon Agency, Inc. has been insuring auto dealers since 1967. Joe Cleary, our patriarch, founded the Cleary Agency and became a major writer of new car dealers in Minnesota in the 1970’s. In 1984 Tim Cleary joined the group and focused on used car dealers. Today we exclusively cater to the Used Car Dealer Industry, writing more than 300 dealers and auto related businesses locally and nationwide.

We speak your language. We know the difference between a wholesaler and a retailer, buy here pay here, rent to own, and leasing. We know the specific insurance needs that your unique dealer operation requires.

Don’t sell ‘em?…but you service ‘em? Yes, our “auto team” can also put together an industry-specific insurance program with a financially secure insurer for your service station, body-shop, or repair shop.

We Insure

Car dealers and auto-related businesses nationwide

  • New Auto Dealerships
  • Used Auto Dealerships
  • Recreational Vehicle Dealers
  • Motorcycle Dealers
  • Repair Shops
  • Body Shops
  • Trailer Dealers or Repair
  • Wholesale Auto Dealers
  • Towing Companies

As an independent agency, we market dealers with multiple insurance companies to offer our customers the most competitive pricing. These companies insure all types of used car dealers, including "buy here pay here," "rent to own" and "lease to own" dealers across the country.


  • Garage Liability up to $1M/1M/3M
  • Dealer Inventory
  • False Pretense Coverage
  • Auto and Premises Medical Payments
  • Broadened Coverage - Garage
  • Hired Auto
  • Driveaway Radius Extension
  • Dealer E&O
  • Property
  • Umbrella
  • Damage to Rented Premises
  • Personal Injury Liability
  • Rental Cars
  • Employee Tools
  • Multiple Inventory Deductible Options

Fill Out This Form for a Quote

We Will Get Back to You Shortly


(952) 914-7162


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Resources for Used Car Dealerships

Horizon Agency | Northland Dealers Association