Increase back-end PVR. Shorten the box.
An AI-guided digital menu your customers walk themselves through before they ever sit with the Finance Manager. They see live payment impact. They self-discover VSC, GAP, T&W and PPM. You turn deals faster and book more per copy.
Defensible results
Numbers your General Manager will defend in the tower.
Measured across 14 rooftops, six months, like-for-like deals matched by vehicle class and price band. Source: DriveGuard pilot program, 2024.
The F&I gap
The box is the bottleneck. We made it disappear.
Same products. Same providers. A pre-sold, digitally-guided customer instead of a cold pitch behind a closed door.
- Customers tense up the moment the F&I door closes behind them.
- Paper menus and four-squares can't show real payment impact.
- Objections get worked inconsistently across Finance Managers and shifts.
- The desk burns 40+ minutes per deal re-explaining VSC and GAP.
- Customers menu themselves on their phone before they ever sit in the box.
- Live payment math ties every product to their term, rate and money down.
- AI works objections in your store voice. Compliant, every copy.
- Finance Managers close pre-sold, e-signed deals and protect CIT and funding time.
How it works
An informative experience. Not a sales pitch.
Customers learn what each protection actually does, in plain language, tied to their vehicle, their zip code and their real-world risk.
F&I builds the deal jacket
Load your product menu, rate cards, store persona and objection library once. Push a secure deal room link and passcode straight from the desk log.
AI walks the customer through the menu
Every product is contextualized to their VIN, mileage band, commute and term. Not a generic four-square.
Real payment, real time
Every accept or decline re-prices the deal on their term and money down. No payment surprises in the box.
Objections worked in persona
On every decline, the AI asks why and works the rebuttal from your library. Compliant, on-brand, chargeback resistant.
How smart it gets
It learns the car, the driver, and prices the risk
DriveGuard doesn't pitch. It builds a profile of the vehicle and the buyer, then shows coverage value in plain dollars tied to real local repair and risk data.
Decodes the VIN, not just the price tag
Year, make, model, trim, mileage, drivetrain and known failure points are pulled in the moment a buyer lands on a vehicle. Coverage advice is shaped by what this exact car tends to break, not a generic menu.
- VIN-decoded trim + drivetrain
- Make/model failure history
- Mileage-adjusted risk curve
Light, moderate, or heavy commuter
A short use-case read covering commute distance, road trips, weather and parking puts every buyer on a usage profile that drives how the AI handles objections and which products it actually recommends.
- Annual mileage projection
- Climate and road exposure
- Tailored objection handling
Real local repair costs, not scare tactics
Likely issues are priced against current parts + labor for that year/make/model in the buyer's zip code, so the value of VSC, GAP, T&W and Key Replace is shown in honest dollars.
- Parts + labor by zip
- Top 3 likely failures
- Out-of-pocket vs. covered
Coverage value, not coverage pressure
Every recommendation comes with a transparent value score: expected repair exposure over the loan, theft and total-loss risk for this model in this area, and the dollar gap each product closes.
- Exposure over loan term
- Local theft + total-loss risk
- Dollar gap closed per product
See it in motion
What the customer actually sees on their device
A live Guard Score that climbs as each protection is explained, and an AI that reads the buyer's vehicle and how they drive, then answers real questions with local data and honest repair math.
The Protection Guard Score
Close the F&I knowledge gap with a single number.
Most customers walk into the box with no idea what VSC, GAP or T&W actually shield them from. They guess, decline, then get burned on the first claim while the store eats the survey. The Protection Guard Score replaces that knowledge gap with a live number from 1 to 100, so every customer sees, in plain English, how protected they actually are before they sign.
- Mechanical, financial and cosmetic risk, weighted into one defensible score.
- Every accept or decline moves the bar in real time, so value is felt, not pitched.
- Open gaps named out loud, so customers self-discover the products they were about to leave on the table.
- Peace of mind for the customer, back-end PVR for the store. One number that helps both sides of the desk.
What it costs to own the car. What it costs to protect it.
DriveGuard pulls real cost-of-ownership data for the exact vehicle and driver profile, then compares it to the annual cost of the coverage your customer is considering. Value stops being abstract.
The AI frames the conversation in the customer's own numbers, not a generic pitch deck.
For your customers
Finally, F&I protection that makes sense.
Every add-on is paired to how the customer actually uses the vehicle. Value sells itself, on their device, on their time.
- Contextual educationTire and Wheel isn't a line item. It's the $1,800 pothole repair last winter on the daily commute.
- Transparent payment impactEvery choice updates the monthly payment instantly. Customers know exactly what they are saying yes to before the Finance Manager sits down.
- Pressure-free paceCustomers explore on their own device. No one hovering. They come back to the desk decided.
- Save and return anywhereTheir deal room persists with a personal passcode. Finish at home, on the lot or in the box.
The knowledge gap closes as VSC, GAP and Tire & Wheel get selected.
Three pillars
Built on what actually moves the needle.
More gross. Less cost per copy. A delivery customers thank you for.
Lift F&I gross
Customers buy more product when value is shown in context. Penetration climbs on VSC, GAP, T&W, PPM and appearance across every deal type: cash, retail and lease.
Shrink cost per copy
Less desk time per turn. Cleaner deal jackets at funding. Fewer chargebacks tied to disclosure gaps or buyer remorse cancellations.
Protect CSI and repeat business
A transparent, no-pressure delivery your customers actually rate five stars. Protect CSI, manufacturer survey scores and your referral pipeline.
Trained AI personas
Objections handled expertly in your store voice.
Pick the persona that fits your brand. Every rebuttal is trained on your objection library, your product menu and your tone. Never generic. Never off-message.
"We pushed DriveGuard live at four rooftops in March. By Q3, our back-end PVR was up $847 and my Finance Managers were finishing the day an hour earlier. Customers thanked us for it. That never used to happen in F&I."
Ready to sell protection the customer's way?
Step inside the live demo. Build a product menu, run a customer flow end to end, and see what your next F&I quarter looks like on the back end.
Demo requires a passcode. Ask your DriveGuard rep.