{"version":"1.0.0","episode":{"title":"Capital One Just Put the Entire Auto Industry On ALERT | Episode 979","url":"http://getcarcurious.com/episodes/capital-one-just-put-the-entire-auto-industry-on-alert-episode-979","audioUrl":"https://pscrb.fm/rss/p/mgln.ai/e/1385/pdrl.fm/3359a6/injector.simplecastaudio.com/14b42e71-1f9c-41b2-944f-bc8f2b3a3cb9/episodes/55add870-e649-407c-ae2c-666381d71b36/audio/128/default.mp3?aid=rss_feed&awCollectionId=14b42e71-1f9c-41b2-944f-bc8f2b3a3cb9&awEpisodeId=55add870-e649-407c-ae2c-666381d71b36&feed=gkrQ6WSC","description":"Today on CarEdge Live, Ray and Zach discuss the latest news from Capital One. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com\nfor information about our collection and use of personal data for\nadvertising.\n"},"annotations":[{"startTime":38.2,"endTime":41.28,"type":"car","title":"Nissan Rogue","url":"/cars/nissan/rogue","image":"https://upload.wikimedia.org/wikipedia/commons/1/14/Nissan_Rogue_%28S35%29_Washington_DC_Metro_Area%2C_USA.jpg","quote":"But agents make mistakes. Just one rogue agent can do big damage before you even notice.","canonicalId":"car:nissan:rogue","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Nissan Rogue is a compact SUV that has gained popularity for its fuel efficiency, spacious interior, and advanced safety features. It is designed for everyday use, making it an appealing option for families and commuters looking for a reliable vehicle.","simplifiedExplanation":"The Nissan Rogue is a smaller SUV that's easy to drive and has plenty of room for people and their belongings. It's a good choice for families or anyone who needs a practical car for daily use.","imageAttribution":"OWS Photography (CC BY 4.0)"}},{"startTime":68.16,"endTime":71.72,"type":"car","title":"Ford Explorer","url":"/cars/ford/explorer","image":"https://upload.wikimedia.org/wikipedia/commons/8/8e/Ford_Explorer_EV_Auto_Zuerich_2023_1X7A1325.jpg","quote":"...es. That's why they offer a tool called AutoQuote Explorer that allows you to compare your Progressive Car I...","canonicalId":"car:ford:explorer","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Ford Explorer is a mid-size SUV that has been a staple in the American automotive market since its introduction in 1990. Known for its spacious interior and versatility, it appeals to families and adventure seekers alike, making it a popular choice for those looking for a reliable vehicle for both daily driving and weekend getaways.","simplifiedExplanation":"The Ford Explorer is a large family-friendly vehicle that can carry many passengers and their stuff. It's great for road trips or just getting around town, and many people like it because it's comfortable and has a lot of space.","imageAttribution":"Alexander-93 (CC BY-SA 4.0)"}},{"startTime":193.94,"endTime":196.92,"type":"car","title":"Saturn Outlook","url":"/cars/saturn/outlook","image":"https://upload.wikimedia.org/wikipedia/commons/d/d7/%2708_Saturn_Outlook_%28Montreal%29.JPG","quote":"that they do. Capital One car buying outlook finds nearly 70% of car buyers view dealers as tr...","canonicalId":"car:saturn:outlook","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Saturn Outlook was a mid-size crossover SUV produced by General Motors from 2007 to 2010. It was known for its spacious interior and family-friendly features, but it was discontinued due to the brand's closure, making it a less common choice in the used car market.","simplifiedExplanation":"The Saturn Outlook is a larger SUV that was made to fit families and their needs. It's not made anymore, but it has a lot of room and is good for carrying people and things.","imageAttribution":"Bull-Doser (Public domain)"}},{"startTime":340.24,"endTime":341.88,"type":"car","title":"Fisker Ocean","url":"/cars/fisker/ocean","image":"https://upload.wikimedia.org/wikipedia/commons/8/83/Fisker_Ocean%2C_BAS_24%2C_Brussels_%28P1170330-RR%29.jpg","quote":"...se to the east of us, okay? That was the Atlantic Ocean. So there's only so much growth","canonicalId":"car:fisker:ocean","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Fisker Ocean is an all-electric SUV that emphasizes sustainability and innovative design. As part of Fisker's commitment to eco-friendly vehicles, it aims to provide a stylish and environmentally conscious alternative in the growing electric vehicle market.","simplifiedExplanation":"The Fisker Ocean is a new electric SUV that runs on battery power instead of gas. It's designed to be good for the environment and has a modern look.","imageAttribution":"Matti Blume (CC BY-SA)"}},{"startTime":546.7,"endTime":548.7,"type":"term","title":"Out-the-door price","url":"/glossary/out-the-door-price","quote":"we only got out the door price quotes from 39% of dealers. We've got 87 total across the 100 because they sent multiple and we negotiated down the price...","canonicalId":"term:out-the-door-price","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The out-the-door price is the total cost of purchasing a vehicle, including the vehicle price, taxes, registration fees, and any additional dealer fees. It represents the final amount a buyer needs to pay to take ownership of the car.","simplifiedExplanation":"Out-the-door price is how much you will actually pay for a car after adding everything together, like taxes and fees. It's the total amount you need to hand over to drive the car home."}},{"startTime":598.72,"endTime":600.08,"type":"car","title":"Lincoln Navigator","url":"/cars/lincoln/navigator","image":"https://upload.wikimedia.org/wikipedia/commons/4/4c/2018_Lincoln_Navigator_front_9.22.18.jpg","quote":"... think it is worth naming that Capital One's auto navigator is a huge part of the Capital One business.","canonicalId":"car:lincoln:navigator","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Lincoln Navigator is a full-size luxury SUV known for its opulent features, spaciousness, and powerful performance. As Lincoln's flagship SUV, it offers a premium driving experience with advanced technology and comfort, making it a popular choice among those seeking luxury in their vehicle.","simplifiedExplanation":"The Lincoln Navigator is a big, fancy SUV that feels very luxurious inside. It's designed for people who want a comfortable ride with lots of space and high-end features.","imageAttribution":"Kevauto (CC BY-SA 4.0)"}},{"startTime":798.7,"endTime":800.2,"type":"term","title":"warranty products","url":"/glossary/warranty-products","quote":"...whether that be warranty products, gap products that they sold as gap...","canonicalId":"term:warranty-products","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Warranty products are agreements that provide coverage for repairs or replacements of parts or systems in a vehicle for a specified period. They can help protect consumers from unexpected repair costs after purchasing a vehicle.","simplifiedExplanation":"Warranty products are like insurance for your car that cover repairs if something breaks down. They help you avoid paying a lot of money for repairs later on."}},{"startTime":800.2,"endTime":802.1,"type":"term","title":"gap products","url":"/glossary/gap-products","quote":"...gap products that they sold as gap or an actually gap...","canonicalId":"term:gap-products","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Gap products, or Guaranteed Asset Protection (GAP) insurance, cover the difference between what you owe on your vehicle and its actual cash value in case of a total loss. This is particularly useful if your car is financed and depreciates faster than you pay it off.","simplifiedExplanation":"Gap products help you pay off your car loan if your car gets totaled and is worth less than what you owe. It's like a safety net for your car loan."}},{"startTime":803.4,"endTime":806.5,"type":"term","title":"Permaplate","url":"/glossary/permaplate","quote":"...as well as selling products like permaplate and things like that...","canonicalId":"term:permaplate","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Permaplate is a protective coating product that is applied to vehicles to help protect the paint and interior from damage, stains, and fading. It's often sold as an add-on at dealerships.","simplifiedExplanation":"Permaplate is a product that dealers sometimes offer to protect your car's paint and interior from damage. It's like a special shield for your car."}},{"startTime":1297.6,"endTime":1300.3,"type":"term","title":"GAP insurance","url":"/glossary/gap-insurance","quote":"...trying to convince customers that this Equity Shield product operated the same as GAP, get it continued. Here we go.","canonicalId":"term:gap-insurance","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"GAP insurance, or Guaranteed Asset Protection insurance, covers the difference between what you owe on a vehicle and its actual cash value in case of a total loss. It's particularly useful for those who finance or lease their vehicles.","simplifiedExplanation":"GAP insurance helps you pay off your car loan if your car is stolen or totaled. It covers the amount you still owe on the loan that isn't covered by your insurance payout."}},{"startTime":1305.2,"endTime":1306.8,"type":"company","title":"Crystal Fusion","url":"/glossary/crystal-fusion","quote":"...and Crystal Fusion, a windshield protection product. Permaplate and Crystal Fusion pulled their products...","canonicalId":"company:crystal-fusion","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Crystal Fusion is a company that specializes in windshield protection products, providing coatings that enhance visibility and protect against chips and cracks.","simplifiedExplanation":"Crystal Fusion makes products that help protect your car's windshield from damage and improve visibility when driving."}},{"startTime":1434.2,"endTime":1435.5,"type":"part","title":"tires","url":"/glossary/tires","quote":"Tires matter. They're the only part of your vehicle that touches the road.","canonicalId":"part:tires","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Tires are the only contact point between a vehicle and the road, making them crucial for safety, handling, and performance. They come in various types and tread patterns, designed for different driving conditions and vehicle types.","simplifiedExplanation":"Tires are the round rubber parts on your car that touch the ground. They help your car grip the road and are important for safe driving."}},{"startTime":1438.4,"endTime":1441.7,"type":"company","title":"TireRack","url":"/glossary/tire-rack","quote":"Tread confidently with new tires from TireRack. Whether you're looking for expert recommendations or know exactly what you want, TireRack makes it easy.","canonicalId":"company:tire-rack","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"TireRack is a well-known online retailer specializing in tires and wheels. They offer a wide selection of products, expert recommendations, and services like tire testing and installation.","simplifiedExplanation":"TireRack is a website where you can buy tires for your car. They help you find the right tires and offer services like shipping and installation."}},{"startTime":1544.3,"endTime":1549.3,"type":"term","title":"vehicle service contract","url":"/glossary/vehicle-service-contract","quote":"two or three year powertrain-only vehicle service contracts into customer payments on new automobiles. However, there are very few, if any, brand new automobiles that do not come with at least three-year comprehensive coverage.","canonicalId":"term:vehicle-service-contract","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"A vehicle service contract (VSC) is an agreement that covers certain repairs and services for a vehicle after the manufacturer's warranty expires. It can provide peace of mind for owners by helping to manage repair costs.","simplifiedExplanation":"A vehicle service contract is like an insurance policy for your car that helps pay for repairs after the original warranty ends. It can save you money if something goes wrong with your vehicle."}},{"startTime":1544.3,"endTime":1547.3,"type":"term","title":"powertrain","url":"/glossary/powertrain","quote":"two or three year powertrain-only vehicle service contracts into customer payments on new automobiles.","canonicalId":"term:powertrain","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The powertrain of a vehicle includes the engine, transmission, and other components that generate power and deliver it to the wheels. It's a crucial part of the vehicle's performance and reliability.","simplifiedExplanation":"The powertrain is the part of your car that makes it move. It includes the engine and transmission, which work together to get your car going."}},{"startTime":1551.2,"endTime":1556.7,"type":"term","title":"comprehensive coverage","url":"/glossary/comprehensive-coverage","quote":"However, there are very few, if any, brand new automobiles that do not come with at least three-year comprehensive coverage. The maximum length of coverage offered on those powertrain VSCs was usually packed with a two-year variant.","canonicalId":"term:comprehensive-coverage","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Comprehensive coverage refers to insurance that covers damage to a vehicle not involving a collision, such as theft, vandalism, or natural disasters. In the context of vehicle warranties, it indicates a broad range of protections against various issues.","simplifiedExplanation":"Comprehensive coverage is a type of insurance that helps pay for repairs if your car is damaged in ways other than accidents, like theft or bad weather. It ensures you're protected from many different problems."}},{"startTime":1589.3,"endTime":1591.6,"type":"term","title":"box-closed method","url":"/glossary/box-closed-method","quote":"...the box-closed method is automatically implemented with the sale of each vehicle. In the auto industry, the box is what the finance department refers to...","canonicalId":"term:box-closed-method","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The box-closed method refers to a sales technique in the automotive industry where all paperwork is completed at once, including financing and additional warranties. This approach is designed to streamline the buying process for customers.","simplifiedExplanation":"The box-closed method is a way that car dealerships handle sales paperwork. It means that when you buy a car, you sign everything at once, including any extra warranties you might want."}},{"startTime":1598.4,"endTime":1600.2,"type":"term","title":"additional warranties","url":"/glossary/additional-warranties","quote":"...the situation where a customer signs all the bank paperwork and buys additional warranties...","canonicalId":"term:additional-warranties","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Additional warranties are extra coverage options that a customer can purchase when buying a vehicle. These warranties can cover repairs and maintenance beyond the standard manufacturer's warranty.","simplifiedExplanation":"Additional warranties are extra protection plans you can buy when you get a car. They help pay for repairs after the regular warranty ends."}},{"startTime":2032.0,"endTime":2034.6,"type":"term","title":"extended warranty","url":"/glossary/extended-warranty","quote":"What extended warranty for engine and transmission do you recommend for a 2021 Ford Ranger?","canonicalId":"term:extended-warranty","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"An extended warranty is a service contract that provides coverage for certain repairs or services after the manufacturer's warranty expires. It can cover components like the engine and transmission, offering peace of mind for vehicle owners.","simplifiedExplanation":"An extended warranty is like extra insurance for your car that helps pay for repairs after the regular warranty ends. It can cover important parts like the engine and transmission."}},{"startTime":2034.6,"endTime":2037.36,"type":"car","title":"Ford Ranger","url":"/cars/ford/ranger","image":"https://upload.wikimedia.org/wikipedia/commons/2/28/Ford_Ranger_%28T6%2C_P703%29_Wildtrak_IMG_7320.jpg","quote":"What extended warranty for engine and transmission do you recommend for a 2021 Ford Ranger?","canonicalId":"car:ford:ranger","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Ford Ranger is a midsize pickup truck known for its versatility and capability. The 2021 model features modern technology and a robust design, making it suitable for both work and leisure.","simplifiedExplanation":"The Ford Ranger is a type of pickup truck that can carry heavy loads and is good for both work and fun. The 2021 version has updated features and a strong build.","imageAttribution":"Alexander-93 (CC BY-SA 4.0)"}},{"startTime":2060.4,"endTime":2062.1,"type":"term","title":"mechanical breakdown insurance","url":"/glossary/mechanical-breakdown-insurance","quote":"...an extended warranty, a vehicle service contract, mechanical breakdown insurance as a scam,...","canonicalId":"term:mechanical-breakdown-insurance","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Mechanical breakdown insurance is a type of insurance policy that covers the cost of repairs for mechanical failures. Unlike traditional auto insurance, it specifically focuses on repair costs rather than accidents or theft.","simplifiedExplanation":"Mechanical breakdown insurance is a special kind of insurance that helps pay for repairs if your car breaks down. It's different from regular car insurance, which covers accidents."}},{"startTime":2397.92,"endTime":2401.16,"type":"car","title":"Ford F150","url":"/cars/ford/f-150","image":"https://upload.wikimedia.org/wikipedia/commons/5/56/2022_Ford_F-150_Lightning_Rear.jpg","quote":"to reach out to 104 dealers for the same value, same like advertised F-150 and dad, we've got a video that'll be coming out","canonicalId":"car:ford:f-150","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Ford F-150 is a full-size pickup truck that has been one of the best-selling vehicles in the United States for decades. Renowned for its durability, towing capacity, and a wide range of configurations, it serves both work and recreational purposes, making it a favorite among truck enthusiasts and professionals alike.","simplifiedExplanation":"The Ford F-150 is a big truck that's really popular for carrying heavy loads and doing tough jobs. People love it because it can handle a lot of different tasks, from work to weekend adventures.","imageAttribution":"UltraTech66 (CC BY-SA 4.0)"}},{"startTime":2424.0,"endTime":2425.8,"type":"term","title":"dealer fees","url":"/glossary/dealer-fees","quote":"...What are the most common fees we were seeing? What are the most common add-ons?","canonicalId":"term:dealer-fees","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Dealer fees are charges that dealerships may add to the cost of a vehicle purchase, which can include documentation fees, preparation fees, and other administrative costs. These fees can vary significantly between dealerships.","simplifiedExplanation":"Dealer fees are extra charges that car dealerships might add to the price of a car. They can include costs for paperwork and getting the car ready for you."}},{"startTime":2425.8,"endTime":2427.4,"type":"term","title":"add-ons","url":"/glossary/add-ons","quote":"...What are the most common add-ons? What were the prices for those add-ons?","canonicalId":"term:add-ons","priority":0.5,"confidence":0.85,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Add-ons refer to optional features or services that can be included with a vehicle purchase, such as extended warranties, paint protection, or upgraded sound systems. These can significantly increase the overall cost of the vehicle.","simplifiedExplanation":"Add-ons are extra features or services you can choose to include when buying a car, like special warranties or additional equipment. They can make the car more expensive."}},{"startTime":2437.7,"endTime":2440.8,"type":"term","title":"MSRP","url":"/glossary/msrp","quote":"on the same MSRP F-150. Yet we have a $17,000 variation in price.","canonicalId":"term:msrp","priority":0.9,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"MSRP stands for Manufacturer's Suggested Retail Price, which is the price that the manufacturer recommends that the dealer sell a vehicle for. It serves as a guideline for pricing but can vary based on market conditions and dealer pricing strategies.","simplifiedExplanation":"MSRP is the price that car manufacturers suggest dealers charge for a car. It's like a starting point for how much a car should cost, but dealers can sell it for more or less."}},{"startTime":2578.8,"endTime":2580.8,"type":"concept","title":"finance manager","url":"/glossary/finance-manager","quote":"Yep, this is a practice, unfortunately, that we see the handoff from the salesperson to the finance manager. We had, it was so disappointing, man.","canonicalId":"concept:finance-manager","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The finance manager at a car dealership is responsible for handling the financial aspects of a car sale, including arranging financing options, discussing loan terms, and managing paperwork. They often work closely with the customer after the sale is made.","simplifiedExplanation":"A finance manager at a car dealership helps customers figure out how to pay for their car. They talk about loans and other payment options after you've decided to buy the car."}},{"startTime":2783.7,"endTime":2783.7,"type":"concept","title":"Toyotathon","url":"/glossary/toyotathon","quote":"...Toyotathon, Toyotathon, Toyotathon is on.","canonicalId":"concept:toyotathon","priority":0.5,"confidence":0.9,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"Toyotathon is a promotional event held by Toyota, typically featuring special deals and incentives on their vehicles. It's a marketing campaign aimed at boosting sales during a specific time of year.","simplifiedExplanation":"Toyotathon is a sales event by Toyota where they offer discounts and special deals on their cars. It's a good time to buy a Toyota if you're looking for a new vehicle."}},{"startTime":2797.08,"endTime":2800.04,"type":"car","title":"Toyota Rav4","url":"/cars/toyota/rav4","image":"https://upload.wikimedia.org/wikipedia/commons/5/5b/2021_Toyota_RAV4_PHV.jpg","quote":"...e your holiday wishes come true with a new Camry, RAV4, Tacoma and more. All right, let's sing it togeth...","canonicalId":"car:toyota:rav4","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"imageAttribution":"TTTNIS (CC0)"}},{"startTime":2797.08,"endTime":2800.04,"type":"car","title":"Toyota Camry","url":"/cars/toyota/camry","image":"https://upload.wikimedia.org/wikipedia/commons/b/bc/%28USA-Massachusetts%29_Private_Toyota_Camry_NJ-Z22UKZ_rear_2024-06-06.jpg","quote":"Make your holiday wishes come true with a new Camry, RAV4, Tacoma and more. All right, let's sing it ...","canonicalId":"car:toyota:camry","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"imageAttribution":"S5A-0043 (CC BY 2.0)"}},{"startTime":2797.08,"endTime":2800.04,"type":"car","title":"Toyota Tacoma","url":"/cars/toyota/tacoma","image":"https://upload.wikimedia.org/wikipedia/commons/c/ca/Second_Gen_Toyota_Tacoma_on_Snowy_Mountain_-_2019.jpg","quote":"Make your holiday wishes come true with a new Camry, RAV4, Tacoma and more.","canonicalId":"car:toyota:tacoma","priority":0.5,"source":"hybrid-fuzzy+gpt-4o-mini","data":{"explanation":"The Toyota Tacoma is a midsize pickup truck known for its durability and off-road capabilities. It's popular among those who need a truck for work or recreational activities.","simplifiedExplanation":"The Toyota Tacoma is a small truck that is tough and can handle rough terrain. Many people use it for work or outdoor activities like camping.","imageAttribution":"Noah Wulf (CC BY-SA 4.0)"}}],"speakers":[{"id":"s1","name":"Ray","role":"host"},{"id":"s2","name":"Zach Shefska","role":"host"},{"id":"s3","name":"Bleav","role":"host"}],"transcripts":[{"url":"http://getcarcurious.com/episodes/capital-one-just-put-the-entire-auto-industry-on-alert-episode-979/transcript.vtt","type":"text/vtt"}]}