Oct 16

F&I Trends Q2 2025: Profit Resilience Amid Tariff Turbulence

Even with tariff headlines and affordability concerns, F&I performance stayed solid in Q2 2025. Dealers continued to capture profit per vehicle, consumers leaned harder into protection products, and the underlying vehicle mix shifted in ways that will shape the next 12 months of opportunity. Sales Momentum Holds Despite Tariff Headwinds U.S. new-light-vehicle sales averaged 16.1 […]

Aug 8

Best-in-class Metrics for VSC and Home Warranty Marketers

You Can’t Afford to Guess Most direct-to-consumer marketers in the vehicle service contract (VSC) and home warranty space know their topline numbers. Sales volume. Cancel rate. Cost per lead. But those numbers don’t tell you what’s really happening. They don’t show you which reps are killing margin, which campaigns are quietly failing, or where your […]

Jul 28

How to Get Your Finance Company to Lower Your Reserve Rate

When you’re scaling direct-to-consumer sales in the Vehicle Service Contract (VSC) or home warranty space, cash flow is king. You launch a $100,000 campaign. You pay your mail house and lead vendor on June 1. The mail hits mailboxes on June 10. Responses trickle in through early July. You close sales—but then wait 45 days […]

Jul 22

Why Vintage Analysis Matters in Understanding Cancellations

Two curves, representing different vintages, generated by the Dark Sky Data Experience Curve.

If you’re only looking at your overall cancellation rate, you’re missing the real story. Cancellation behavior isn’t static. It shifts over time—and across different groups of contracts. That’s why you need to break it down by vintage. “A vintage is a group of contracts that started in the same period—typically a month, quarter, or. It’s […]

Jul 17

Home Sales in June 2025: State-Level Shifts Amid a Rebalancing Market

In June 2025, the U.S. housing market showed signs of quiet recalibration. Total home sales slipped slightly to 445,000 units—down just 1,000 from May. But beneath that national flatline, regional and state-level shifts reveal a more dynamic story. New home sales nudged downward, while existing home sales essentially held their ground. Inventory rose. Buyer activity […]

Jul 17

Home Sales in June 2025: State-Level Shifts Amid a Rebalancing Market

In June 2025, the U.S. housing market showed signs of quiet recalibration. Total home sales slipped slightly to 445,000 units—down just 1,000 from May. But beneath that national flatline, regional and state-level shifts reveal a more dynamic story. New home sales nudged downward, while existing home sales essentially held their ground. Inventory rose. Buyer activity […]