Protective Asset Protection, a leading provider of F&I programs, services and the dealer owned warranty company program, announced additional trends and insights stemming from its recently released second annual report on automotive F&I Product Trends and Outlook, with an emphasis on the impact digital retail has had on F&I product sales to car shoppers. Click here to download the F&I Trends report.


Particularly for younger car shoppers, digital retailing has increasingly grown in popularity. According to McKinsey, less than a third of younger consumers today want to shop for their next car in-person at the dealership, and a larger number of these individuals are interested in contactless service as well.


While many F&I options can be beneficial to a car buyer, such as vehicle service contracts and ancillary protection, the customer perceives these as “upsells” at the last minute inside the F&I office. Despite the feeling of a possible upsell, many consumers see the true value and benefit these products offer when they are given more time earlier in the research phase to understand how they can benefit their vehicle purchase.


Digital tools dealerships used to offer customers when buying a car pre-pandemic compared with today saw noticeable increases in a few obvious areas. For example, according to Protective’s recent report on F&I Product Trends, 19% of dealers said they offered at-home test drives prior to the pandemic, and this increased to 24% today. Furthermore, only 10% of dealers offered at-home delivery of the vehicle prior to the pandemic, compared with 17% of dealers today.


The report also shed light on specific F&I product growth areas. Vehicle service contracts and GAP coverage are primary F&I product offerings for customers looking to buy new and used cars and trucks. Pandemic or not, customers will always give significant consideration to these protection products for their vehicle.


Nearly half of dealers (44%) said emergency roadside services was a primary reason why their car shopper customers indicated an interest in selecting products such as a vehicle service contract. This was followed by new technology features now found in vehicles both new and used (40%); secondary mechanical components such as air conditioning (35%), which is most likely an indication of more used vehicles sold today; and electrical components (35%).


“As we head into the final months of 2021 it’s important for dealers and their F&I partners to have the proper visibility into consumer shopping trends and F&I product preferences,” said Rick Kurtz, Senior Vice President – Distribution, Protective Asset Protection. “Digital retailing continues taking a significant step forward in automotive, and those dealers who fully embrace F&I product education, research and shopping options online early on in the process will truly gain their customers’ long-term trust.”



Click here to download the F&I Trends report from Protective Asset Protection.




Protective Asset Protection has been providing F&I solutions for the automotive industry for nearly 60 years. We proudly serve thousands of dealerships throughout the U.S. and Puerto Rico, with innovative F&I products, training, dealer participation programs and technology. Our portfolio of vehicle protection plans, GAP coverage, limited warranties and ancillary products provide opportunities to generate revenue with products that help drive customer retention and satisfaction. Protective Asset Protection is part of the ­financial services holding company, Protective Life Corporation. For more information about Protective Asset Protection call 800-794-5491, or visit




Protective Life Corporation (Protective) provides ­financial services through the production, distribution and administration of insurance and investment products throughout the U.S. Protective’s growth and success can be largely attributed to its ongoing commitment to serving people and doing the right thing – for its employees, distributors, and most importantly, its customers. Protective’s home offi­ce is located in Birmingham, Alabama, and its 3,500-plus employees work across the United States. As of December 31, 2020, Protective had assets of approximately $127 billion. Protective Life Corporation is a wholly owned subsidiary of Dai-ichi Life Holdings, Inc. (TSE:8750). For more information about Protective, please visit

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