APB represents the CostGuard Vehicle Service Contract Program administered by Protective. Protective's suite of core F&I products has been increasing revenue and customer satisfaction for franchise and independent auto dealerships for more than 40 years. The company is continuously among the highest rated service contract providers and is utilized by many of the biggest dealership groups in the country such as Boch and Norm Reeves. Their 40+ billion dollars in assets allows for very aggressive programs for both reinsurance and retro plans.

• New Car Service Contracts - Exclusionary levels of coverage available for up to 7 years/100,000 miles. Contracts are transferable with multiple deductible option. Benefits include towing, jump-start, flat tire change, vehicle fluid delivery, lockout assistance, rental and hotel/motel reimbursement.
• Used Car Service Contracts - All the benefits of New Car coverage for vehicles including current + 9 model years.
• Wrap Programs - New and pre-owned coverage plans designed to "wrap" around factory warranties. Coverage terms up to 10 years/100,000 miles.
• Commercial Vehicle Coverage -
• Reinsurance Plans - Forming your own reinsurance company is an ideal way to boost profits without requiring a huge level of effort.
• Retro Plans - Another way that dealerships can participate in the business they produce. A dealer is paid a portion of underwriting profits that exceed a threshold as business earns out.
• Sales Through the Service Department -
• Marketing to Existing Customers -

From low cost plans to maximum coverage programs, APB offers multiple GAP options. We can determine the perfect plan to fit the needs of any dealership including GAP for COMMERCIAL vehicles which most companies out there do not cover. There are even reinsurance plans available to help maximize profitability. These plans are provided by Classic and Protective.

• 150% MSRP/NADA Commercial auto, light truck or van
• 150% MSRP/NADA Commercial medium truck or vans
• 115% MSRP/NADA Commercial heavy truck/trailer rates
• Available for loans or leases
• Maximum GAP benefit $50,000
• Maximum loan amount: unlimited
• Maximum term 84 months
• Franchise dealers only
• Maximum vehicle age current plus 8 years prior

  

Not all emergency road hazard programs are the same. In fact, more often than not, ordinary road service programs don't cover the tough one for tire and rim repair or replacement. But Classic does! Classic Response Road Hazard Tire and Wheel program coverage includes:

• Flat tires
• Flat tire repair
• Tire replacement
• Wheels (rims) repair or replacement
• Mounting, balancing and taxes
• Emergency towing and road service
• And much more

• Passenger vehicles and Motorcycles: 3 and 5 year options
• Trailers and tow vehicles: 5 and 7-year options
• Recreational vehicles: 5 and 7-year options

ResistAll is the leader in professionally applied and warranted automotive protection products. Cal-Tex provides ResistAll coverage terms of 5 or 7 years for both new and preowned vehicles. The program does not require paying for the product and stocking kits. We can even have their best in the industry point of purchase materials custom designed for your dealership. Once established, a dealer may provide renewable contracts for the life of the vehicle generating solid long term cash flow.

Protective's Credit Life and Credit Disability are vital products for enhancing profitability and ensuring that your customers receive protection if they are affected by disability or death. Give your customers the comfort and peace of mind that comes from knowing that their debts are insured.

VentureShield® is a practically indestructible 8 mil thick optically clear, urethane film that provides protection for vehicles from small rocks and road debris that could chip or damage the paint on the front of the vehicle. Guaranteed for life against fading, cracking and orange peel it offers superior protection on all painted surfaces, ranging from motor vehicles, to RV's, motorcycles, boats and trucks and is now the OEM provider for Mercedes-Benz, Porsche and VW.

Provide the same great option that Hyundai and now General Motors are offering their customers. This highly sought after new product makes your customers payments if they lose their job. A great marketing tool allowing dealerships to differentiate themselves from the pack. The program is underwritten by Lloyd's of London and is customizable to fit a dealership's specific needs.

  

The Equity Advantage Program, also known as "Half-Pay" or "Bi-Weekly", is a valuable product incorporated into the MenuVantage system. This bi-weekly payment service is made available via a strategic alliance with US Equity Advantage (USEA) in partnership with Wachovia, N.A. A bi-weekly payment plan electronically debits half of a customer's monthly car payment every two weeks. The customer effectively makes a total of 26 half payments per year, two of which are applied directly to the principal - shortening the term of the loan, accelerating equity, and saving interest.

Everyone knows that extending a customer's finance term will reduce the monthly payment - but it's not a benefit to the consumer. Bi-weekly payments allow you to offer the customer the financial benefits of an extended term without increasing the monthly payment - picking up $600-$900 worth of product in the process.

Classic Key/Remote Replacement provides Guaranteed Key/Remote Replacement of your lost, stolen or destroyed key/remote. Keys are being programmed with special codes that match codes located within the ignition making them very expensive to replace.

• 24 Hour Emergency Road Service
• 24-Hour Emergency Delivery
• 24 Hour Emergency Battery Service
• Lost Key or Lock Out Service
• Rent A Car Discounts
• Map Routing Services
• Theft and Hit and Run Protection

PassKey Provides Guaranteed Key Replacement of all of the keys on your key ring with a PassKey tab. Advancements in anti-theft technology most vehicles keys now come with computer chips, which are programmed to each vehicle. In addition, some manufacturers also integrate remotes into the keys. While this is beneficial, it also makes replacing lost keys very expensive.

Additional products are available that can generate increased gross profit and non-chargebackable F&I income. These products provide great value to the customer and create a tie back to the selling dealership. Many cause the customer to contact the dealership in reference of the product creating another income source for the dealership. This is a great way to keep servicing the customer after the sale and keep the dealership in the customer's mind.

• Dent & Ding Coverage -- More Information
• Windshield Replacement