Every product in the Consator portfolio is backed by an A-rated insurance carrier and designed to deliver real value to your customers — and real margin to your dealership.
The backbone of any F&I menu. Vehicle Service Contracts protect customers from unexpected mechanical failures after the manufacturer's warranty expires — covering parts and labor on some of the most expensive repairs a vehicle owner will ever face. A well-placed VSC is the single highest-value product you can offer, both to the customer and to your dealership's bottom line.
When managers truly understand the coverage — and can connect it to the specific customer's vehicle, driving habits, and financial exposure — VSC penetration climbs. F&IQ trains your team to present VSC as the risk-management tool it actually is, not just a line item on a menu.
On day one, most financed vehicles are underwater — the loan balance exceeds the vehicle's actual market value. The moment a customer drives off the lot, depreciation begins. GAP coverage pays the difference between what the insurance company pays after a total loss or theft, and what the customer still owes the lender. It's not optional protection — it's financial safety.
Without GAP, a total-loss event can leave a customer writing checks on a vehicle they no longer own — often for thousands of dollars. That is not a risk any finance manager should leave their customer exposed to. Presenting GAP is not selling — it's responsible advising.
Ancillary products fill the coverage gaps that VSC and GAP leave behind — while meaningfully increasing per-vehicle retail. Presented as a cohesive protection suite rather than individual add-ons, they help customers feel fully covered and give your managers a compelling, holistic story to tell at the menu.
The right ancillary mix is different for every store — it depends on your demographics, your vehicle mix, your climate, and your customer base. Consator builds a product matrix tailored to your dealership so every manager is presenting products that actually make sense to the customers walking through your door.
Waypoint GPS is a value-add product that helps dealers reduce lot theft risk and provides real vehicle security for customers. Presented as a vehicle security package at point of sale, it adds genuine peace of mind for buyers who want to protect their investment from day one.
Not every ancillary product makes sense for every market. A coastal dealer selling luxury vehicles has very different ancillary needs than a rural used-car store. Consator helps you identify which products fit your customers — and trains your managers to present them naturally as part of a complete protection story.
Preloaded products are installed on every unit in inventory and presented to every buyer as a bundled protection package at the point of sale. When structured correctly, preloaded programs improve per-vehicle gross across the board, reduce front-end negotiation friction, and simplify what your F&I manager needs to explain at the desk.
The power of a preloaded program is consistency. Every customer gets the same baseline protection package, every time — which means your F&I managers spend less time fighting for each product individually and more time building value and closing upsells. Properly disclosed preloaded products are fully compliant and highly defensible.
Every product in the Consator portfolio is underwritten or administered by financially strong, A-rated partners. We only represent programs we'd put our own name behind — and our customers' financial security in front of.
We don't drop a generic product menu on your desk and call it a day. The Consator approach is built around your store — your volume, your customers, and your goals.
Every product in the Consator portfolio is underwritten by financially strong, A-rated insurance carriers. Your customers are submitting real claims on these products — they need to know those claims will be paid. Your reputation depends on it, and we take that seriously.
Carrier Standards We MaintainWe build a product menu tailored to your store's demographics, volume, vehicle mix, and DMS — not a one-size-fits-all approach that ignores the reality of your market. Every product we recommend should make sense for the customers you actually serve, not a hypothetical average buyer.
Request a Product ReviewProducts perform best when managers truly understand them. All Consator products come with F&IQ training support — so your team doesn't just have the product in the menu, they know how to present it in a way that resonates with the customer sitting across the desk.
Explore F&IQ Training →Book a free F&I Department Analysis and we'll review your current product mix, your PVR metrics, and your customer demographics — then show you exactly where the opportunity is.