Issue No. 4 | April 28, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Coverage Gap THE NUMBER: 44% Only 44% of eligible U.S. vehicles carry VSC coverage, per Colonnade Advisors’ March 2026 whitepaper. Set against approximately 296.5 million passenger vehicles on U.S. roads, roughly 70% of which […]
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Issue No. 4 | April 28, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 45% Only 45% of new car buyers purchase a VSC at the point of sale, per NADA industry data cited in Colonnade Advisors’ March 2026 whitepaper. At an average selling price of $48,205 and a […]
Categories: Market Intelligence, Vehicle Service Contracts
Tags: VSC & Home Warranty Marketers
Posted by: Kane Barker
The DTC VSC industry is no longer an emerging channel. It has reached a level of scale and maturity that is attracting institutional attention. Colonnade Advisors, an independent investment bank focused on financial and business services, published a March 2026 whitepaper confirming what marketers are already seeing in their numbers: DTC VSC is the fastest-growing […]
Issue No. 3 | April 21, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: The Compounding Repair Cost Base THE CURVE Service and parts sales per warranty repair order at franchised dealerships have grown from $343 in 2018 to $551 in 2025. That is a 60% increase over seven […]
Issue No. 3 | April 21, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Affordability Handoff THE NUMBER: 27% A record 27% of underwater trade-ins now carry $10,000 or more in negative equity, per Edmunds Q4 2025. That is an all-time high. The average underwater balance sits at […]
Issue No. 3 | April 21, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 114 Average new-vehicle retail sales per new-vehicle salesperson hit 114 in 2025, the highest mark in an eight-year window and up from 102 in 2022 (NADA Data 2025). Dealerships are moving roughly 12% more cars […]
Categories: Market Intelligence, Vehicle Service Contracts
Tags: VSC & Home Warranty Marketers
Posted by: Kane Barker
The agency of the future is not a distant concept. Joel Kansanback, in his keynote at the Agent Summit on April 15th, was direct. The next five years in F&I will compress twenty-five years of change. That is not a trend call. It is an operating reality. The agents, administrators, and dealers who adjust to […]
Issue No. 2 | April 14, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE NUMBER: +$0.20-$0.40 Average U.S. gas prices have increased roughly $0.20–$0.40 per gallon following the Iran conflict, as oil markets reacted immediately to supply risk. For dealers, that shows up quickly in the vehicle purchase decision. As fuel costs […]
Issue No. 2 | April 14, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Inflation Pressure On Demand THE NUMBER: 0.25-0.35 Mortgage rates climbed 0.25–0.35 percentage points through April 1 — pressured by inflation concerns, energy shocks, and broader market volatility following the Iran conflict. For DTC home warranty […]
Issue No. 2 | April 14, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: RISING CLAIM COSTS THE CLAIMS COST SIGNAL The oil shock from Iran isn’t hitting one claims category — it’s hitting three at once. On vehicles, as energy and transport costs move higher, the downstream effect […]
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