The DOWC® Difference | DOWC

The DOWC® Difference

The DOWC® Difference at the heart of all we do! It’s present in the most basic elements of our distinct dealer owned program and immediately apparent in our customizable products and advanced technology.

Every Dealership sells F&I products, but not every dealer takes ownership. That’s where DOWC® comes in. We empower our dealer partners to own their own products, participate in the underwriting profits, and customize the outcomes to their advantage. We then take our program to the next level by ensuring our agents’ simultaneous success.

Do your dealers currently participate in all products, and make use of the most advanced technology?

How healthy are your dealers’ F&I departments? ?

What We Believe

Control and cash flow are the keys to success. Your dealers should have control over all of the purchase and protection products they offer as well as their reinsurance companies. You, as their agent, should have the opportunity for full participation where dealers do not take advantage of the benefits our program.

What We Do

We create custom, wealth-building purchase and protection products and assist dealers in establishing reinsurance companies, often without the requirement of a custodial trust. This aspect of program provides agents with a truly competitive advantage when prospecting dealers.

How We Do It

Experienced training and claims staff, in-house compliance and analytics teams, and continuous development of our technology ensures that both you and your dealers are able to easily customize and deploy contracts and dealer-support solutions on the front end, and maintain loss mitigation controls on the back end.


Reinsurance allows our dealers to share in the underwriting profits and investment income generated by the sale of F&I products.


How much control do you have over the F&I products you offer your dealers?

At DOWC®, there is no such thing as “cookie cutter” coverage. Every F&I product is customizable including deductibles, surcharges, and coverage levels. We offer various limits of liability to protect your dealers and mileage tie-backs to direct business to their service drive. Our products and flexibility ensure that you’re not only able to compete with big box administrators, but that you have a substantial advantage over them.  Learn more about the DOWC® products.

We offer custom private-label marketing materials, including brochures and dealer booklets so that your agency is always front and center in your dealerships.


At DOWC®, our state-of-the-art technology is at the heart of everything we do. Our systems deploy the most recent administration technology, advanced selling platforms, and robust reporting tools. The Dealer Owned Software System is our high-performance suite of applications designed to optimize productivity and success. We provide agents and dealers with the tools they need to succeed. Our continued innovation ensures our agents have a distinct advantage in the F&I marketplace. Learn more about the DOWC® technology.

What's your dealer's revenue potential?

How can DOWC® make a difference in your dealer’s bottom line?