Car Pro Radio Show February 21 26 Hour 1

Ladies, in a busy world, it's easy to take your heart for granted.

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Join us for our Heart Month webinar where physicians on the medical staff will discuss women's heart health,

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Learn more at MethodistHealthSystem.org.

That's our commitment to complete heart care.

And why so many people trust Methodist.

Six-time winner of the Texas Auto Writers Association Award for Best Radio Show in Texas.

And a member of the Texas Radio Hall of Fame.

Todd Chambliss is Jerry's co-host.

He's a noted voiceover guy and a celebrated Tibetan throat singer.

So get ready to either call in with your question for Jerry or a song request for Todd on The Car Pro Show.

Well, hey there. Welcome to The Car Pro Show.

So here we are. We're coming up on the end of the month and that's always the best time to get yourself a new set of wheels.

And so if you need a little bit of help with that, maybe you just want a second opinion.

Maybe I'll tell you something that you hadn't thought about.

Whatever the case is, if you would like to pick my brain, I've done this for a long, long time.

I'll be happy to help you. Free a charge and I promise you I will tell you if I think you're doing the right thing.

If I don't think you're doing the right thing or maybe I'll have another suggestion for whatever it is you're thinking about.

So here's the number. Keep it handy.

Now's the time to call because after we get going here, boy, it's hard to get through.

800-926-7777-800-926 and then four sevens.

And I would love for you to give me a call and tell me what I can do to help you.

That's where my joy comes is helping people make good smart car buying decisions.

And I see people make mistakes. It's expensive and they're very difficult to get out of when you make a mistake.

So don't run it past me. I promise you even if you're one of those people who are scared to talk on the radio,

you don't have to worry about that with me. It's just me and you and we'll get it figured out together.

Todd Jambliss is with me.

Certainly am and excited to be here today.

One thing you were talking about making mistakes when people buy cars and everything.

You want to go in and push a button with Jerry. Just talk about getting a car deal for 84 months or something like that.

See what he says to you.

Yeah, I just it's a mistake. I don't want to see people do that.

It's hard to get out of those contracts later on, no matter what you do.

And, you know, if you if you're having to go 84 months on a car loan, you're stretching anyway.

And then what happens if an emergency comes along?

You get hurt and you can't work or your company sells and the new company doesn't want you to work there anymore.

You know, there's just there's there's so you want to leave yourself some room.

So there are other ways to avoid getting a car that you love but avoid that 84 month trap.

Yeah.

And one of them is leasing.

Absolutely.

Unless you are a high mileage driver, leasing makes sense for a lot of people and more and more people are looking at leasing right now.

And that's smart because it's short term.

You can get in and out of a lease, usually a three year lease.

You can get out of at about that two year mark or maybe a little bit more two years in three months.

Yeah.

And so that's that's the smart way to go.

And especially if you like trading cars often.

The other thing you can do often is if you are thinking about a new car and you just got to have it.

Is there a used car just like that on the market?

Can you go out and duplicate that new car that you want so much for $10,000 less that's two years old in low mileage?

So those are things that I'd rather see you think about than going 84 months.

I don't really even love 72 months unless it's a case of 72 months at a low interest rate.

Then I'm okay with it.

And there's a lot of there's a lot with the incentives that are out there right now on new cars.

There's a lot of 3.9 interest rates, especially on the truck side for 72 months that you can you can jump into.

And if that's the case, I'm okay with that.

You can get out of that.

But if you go 72 months or 84 months and it's at 6, 7, 8% interest.

Yeah.

You better love what you're driving because you're going to be looking at it for a very long time.

You better pay that thing off too for fear that you're going to be upside down if you try to go and do a deal off of that one.

And then just the cycle continues and fortunately.

Well, you get you roll negative equity from one car to the next to the next to the next.

Oh my goodness.

You know, it's so difficult.

Let's talk to Buck in Moss Hill, Texas, wherever that is.

Buck, welcome.

Hey, how are you?

I'm good, buddy.

What can I do for you?

So, I get a little background on the situation is my father passed at the beginning of the month.

And by lack of me not paying attention, my three month insurance had lapsed.

And I was working some overtime at the plant fell asleep at the wheel and ended up in a car accident where I was at fault.

Oh, no.

And so they impounded the vehicle and I'm continuing to pay the payments on it.

But it looks like the impound yard had sent it to maybe some place where they would auction the vehicle off.

And they gave me up to 72 hours or some kind of like period of time to go pick the vehicle up if I wanted.

Yep.

But my question was, is there a way that I say, hey, we sell it at auction and I know I'm going to be stuck with this debt.

And we take that number off of what the total amount financed was and I just continue to pay on the remaining balance and just try to get myself out of this hole I've dug myself into.

OK.

So before the accident, were you up to date on the payments on the car?

Yes.

OK.

So does the lender know that the vehicle was wrecked?

Well, the lender knew that the vehicle was an impound and they knew that it was wrecked.

OK.

Not sure that they knew that it was total.

All right.

So what kind of car are we talking about here?

It was 2025 Mazda CX-30.

Oh boy.

Just a little fuel economy vehicle to drive back and forth to the plant, to a chemical plant that'll work.

OK.

I'm going to need you to hold on with me.

We've got to take a break here in just a second.

But I got some more questions.

Try to figure out what's the best thing for you to do.

800-926-7777.

We'll be back right after this.

Your trade could be worth a lot or not.

Find out which by calling Jerry Reynolds the car pro at thechays.com car pro listener line at 1-800-926-7777.

And this week's Classic Car of the Week, it's pretty easy to figure out.

Even for somebody like me.

He looks at the grill.

Oh, I think I know what that is.

Even with.

But do you know the correct year making model?

That's the key right there.

If you go to our Facebook page, you can see the Classic Car of the Week and you can make your guess.

All the correct guesses on Monday go in a big box and then we choose one randomly for your very own auto heat shield.

Perfect for your car.

It all starts on Facebook and you can get the link at the bottom of carpro.com.

It's that simple.

Let's go back to Buck and we'll see what we can figure out with him.

The situation is, Buck had a death in his family, his 2025 Mazda.

He let the insurance lapse and in the meantime, totaled it out.

So what you would like to do, Buck, is buy something else and roll the balance of the Mazda into a new loan.

Is that correct?

Well, I was thinking of that and I have a 67 ranchero that I was thinking about maybe selling for cash.

It's my toy.

And then adding that towards the principal, maintaining the balance and then trying to roll that into something else.

Do you have any idea what the...

Maybe add some money to it.

I put 2000 down on the vehicle and it was a 25 Mazda and I ended up finding it and walked out the door at like 24.

And I've had it for about six months before the accident.

Okay.

And so your balance probably was 22.5 somewhere in there.

Yeah, it's somewhere in there, about 22.

And if you sold the El Camino, what do you think it would bring?

Probably about 3500.

Okay.

So I think what you're going to have to do, Buck, is go...

Was it Mazda financial that financed it?

Yes, sir.

Okay.

You're going to have to go to them and you're going to have to tell them what's happened.

They're going to be really agreeable to anything that will get them out of this trap.

Yeah.

They're looking at a $22,000 ride-off if you don't pay them.

So because, I mean, the car might bring...

If it's truly totaled, it might bring five or six grand just for the parts and the engine and the transmission and that sort of thing.

There are auctions out there that sell wrecked cars, copart, which is headquartered in Dallas, is one of the biggest in the country.

And they sell cars to rebuilders who's going to take that car, rebuild it, sell it with a salvage title.

So I think if you went to Mazda and said to them, look, I want to do the right thing.

I want to pay you.

Here's what happened.

I lost my dad.

The insurance lapsed.

I had a wreck.

The car's gone.

And what can you work with me?

Because I still need transportation.

So if they would...

They don't want to write this thing off.

I promise you.

So if you found a used car, say something around 10 grand or so, and that would get you through for the next four to five years, you're going to be making a payment on the Mazda and the used car minus any down payment that you have.

Whether it be cash or the sale of the El Camino.

And you're going to have to do a little sales job here.

You're going to have to convince them that if they'll do this for you, they will come out and they're going to get all their money.

And that's really all they want.

They want to know that.

And if you can convince somebody, somebody in some authority at Mazda Financial.

And I'd love for you to try to do it face to face somehow.

But if that's not possible, I don't know where they're headquartered.

But they may have an office in DFW.

I bet money they have one in Houston for sure.

But let's see if that works.

Talk to them, tell them, here's what I want to do.

And then I can get one of my dealers to help you find a used car that'll fit into the parameters that they're going to tell you, here's what we can do.

Once we know that, then I can get a dealer to help you.

I'm sorry that happened, Buck.

I'm sorry for your loss.

I do appreciate the call.

And up next is Hank in Carterfield, Georgia.

Hank, welcome to The Card Pro Show.

Proud to be here.

I have a quick question for you, sir.

Sure.

I've got a 2019 F-150 that I purchased.

It's got 70,000 miles on it.

Four-wheel drive, great sheet, nothing.

Cosmetics is great engine.

It's got a five-liter, but it runs like a top.

Long story short, I'm retired.

But looking at when the best time, when I replace it, I'll get another one just like it, probably just with low miles.

I mean no miles, I'll replace it with a new one.

And just trying to figure out if now, I know we're pushing towards the 100,000 in the next probably a couple of years.

So it's now the best time when you definitely could figure out how to just replace it and buy a new one.

Or, you know, does it make a lot more sense just to keep it a few more years?

Just watch your opinions.

How many miles are you driving now that you're retired?

Honestly, I go fishing an awful lot and I pull my boat.

So I drive it a good bit.

I drive it about 10,000 a year.

Okay.

Here's what we know.

We know that it's worth more today than it's ever going to be worth again, right?

Because it's going to continue to depreciate.

But the truck, now that it is a seven-year-old truck, setting on 70,000 miles, you're already under average mileage.

You're not going to gain, you're not going to have any problems with the truck for a while.

I would go on, I would keep it.

I'd maintain it very well.

I'm sure you do.

Yes, sir.

And then when it starts to get, when you start to get into the 90,000-mile range, then I would look at trading it.

Because most of the depreciation is gone.

Right now, you're driving that truck for dirt cheap because it's not losing much money because of its age.

So continue to keep it another couple of years and then call me back.

We'll talk at that time.

But right now, I'd stay with it.

Whether you're buying the lowest price car or the most expensive luxury vehicle, call the CarPro first for free advice.

Call the Chase.com CarPro Listener Line now at 1-800-926-7777.

Funding. Just another way to save with the personal price plan.

Prices are based on rating plans that vary by state.

Coverage options are selected by the customer.

Availability, amount of discounts and savings, and eligibility vary by state.

And welcome back to the CarPro show with Jerry Reynolds, the CarPro and me, Todd Chambliss.

I really thought this week in the newsletter, which came out yesterday, which it typically does on a Friday,

I thought that the stop-start and EPA policy shift story was going to be number one.

It nearly was.

Of course, it was beaten by what 60-some odd different clicks by the new Subaru Outback review of the Chad,

which I think a lot of people are interested in that, especially the redesign of it.

Yeah, it was, it was, they made some great changes to the thing.

I was nuts about the outside changes that they made.

It's still good looking and it wasn't radical by any stretch, but the changes to the inside.

Yeah, they were, the pictures look great.

Oh, the screen is so nice.

Oh, yeah.

And it has been way too small for so many years.

And they put a 12.3 inch screen, I think is what it was without looking.

And I promise you, it is night and day from the old, the old Subaru.

It's still coming in under 44,000 with transportation.

Yeah.

43,560.

And that was a loaded one.

Yeah.

800-926-7777, that's the phone number, 800-926-7777.

And next up is Ray in Auburn, California.

Ray, welcome.

Good morning, guys.

Hey there.

I have a question regarding the new 2026 Jeep Charity Hybrid.

Yeah.

I didn't, I didn't see a review on it, Jerry.

Are you going to be doing that shortly?

I am.

Tell us anything about that?

I can tell you what I know.

And when I saw your question on my call screen computer, it reminded me to send an email to

my Stellantis media rep because you are about the 50th person that's asked me about this

vehicle.

I don't know.

I don't know how everybody's finding out about it, but there is huge interest in this

thing.

So I did some homework a couple of weeks ago for somebody else.

I found out that it gets 37 miles to the gallon average, which means it's over 40 on

the highway, which is great mileage for an SUV.

500 miles of range.

The only, the only thing I'm a little concerned about is the horsepower.

It's coming in at, according to Stellantis, coming in at 210 horses, which may be a little

bit light for that size SUV, but they also say it'll tow 3500 pounds.

So if, if what I'm seeing with other hybrids holds true, Ray, which is not only now are

we getting better fuel economy out of hybrids, but we're also getting more horsepower, but

mainly, mainly more low end torque.

Then I think the same is going to be real enjoyable.

It looks great.

Yeah.

It looks good.

I was just worried about the, you know, the old Jeep with the four XE had those issues

with the batteries and, you know, park it outside because it might start on fire and

all that.

Yeah, but this, this is not a plug in.

This is not a plug in.

Right.

This is just a regular hybrid.

Absolutely.

So that being said, we're looking at, you know, if that, you know, a month of CX 50 or

a Kia Sportage, I think you're about the right hybrids also of those two.

Well, I guess first question, does the monster have the Toyota power train?

We've read that.

Is that actually true?

Yeah, it is true.

They, they, they opened an assembly plant together.

Okay.

I think in Alabama.

So we all know Toyota's hybrid system because it's been around 25 years.

It's awesome.

Yeah.

So, you know, I think that's probably the safe bet, but, and I love Mazda don't get me

wrong, but I gotta tell you this, this, this Cherokee looks really good in the pictures.

Yeah.

And it looks bigger than the Mazda that you're talking about.

So, yeah, dimension wise, it's slightly, slightly bigger.

So right now we're, we're waffling between the Kia Sportage, a Mazda, and maybe this

Jeep.

If you look at the driveway and see how it feels, so on and so forth.

But yeah, no, it's a good thing.

They all get like, you know, high thirties on the highway, which is, which is pretty important.

Yeah, it is.

I agree with you.

And I, I just, I sent that email off just a little while ago.

So I hope that I have a great relationship with Stellantis and this particular rep, she

tries to help me more than any of them out there.

So I got a feeling when one gets to the area here in Texas, I'll get it first and we'll

see.

So stay tuned.

And, and let me know.

Thank you.

Let me know.

I can help you buddy.

I'd like to hear that review.

That'd be great after you drive it.

That'd be super.

So thank you.

All right, Bob.

Good to talk to you.

Brandon and Katie, Texas, welcome to the car pro show.

Yes, sir.

Thank you for taking the call.

You bet.

Pal.

I gave my son an 09 F-150 that was just an old work truck of mine.

Yep.

And I've got an ABS control module issue to 2009 F-150 and the ABS control module that

went out and trying to get it fixed.

Do you have anyone here in like the Houston or surrounding area that will rebuild one

of those for you that you know of, or do you have to send it off?

Boy, I don't know.

Let me, let me tell you who to talk to.

Yes, sir.

I want you to call my mechanic Houston.

My mechanic Houston.com is the website.

They've got, I think they have multiple locations, but the original location, there

was a guy there named Eloy and I think he's still there.

And if Eloy is still there, he was one of the most resourceful people I ever met in

Houston as far as, you know, rebuilding things.

He was just a master at it.

And if Eloy is still with my mechanic, again, my mechanic Houston.com, I bet you he could

do it or I'll bet you that he'll know who can do it.

How many miles are on the truck?

Lord around 150.

OK, his truck and and have you, have you tried to find one in a salvage yard?

I have not.

I didn't know which salvage yard to go to around here.

Yeah, I don't either, but Google it and there'll be several big ones that pop.

I know of three big ones there in Houston in the area.

They're all in the outskirts, but that might be that might be a second way to go

because you don't want the kid driving around with bad brakes.

Well, and that's what I was telling him.

I said, you got to learn how to pump the brakes like old school a little bit.

I just don't know how that ABS control module works.

If it just throws it back to something like that, where I think the truck, I

think the truck will still stop and your your thoughts on pumping the brakes is a good idea.

And I think it'll still stop where where he'd get in trouble is if he had to make

an emergency stop or if he had to stop when the streets were wet.

That's where that ABS really comes in handy.

So let's get it fixed.

We don't want anything happening to him.

Brandon, I appreciate the call.

Try E-Loy.

I hope that works out for you.

And then worst case, call a salvage yard 809267777.

Knowing the right time to trade is a huge thing right now as the car pro Jerry

Reynolds on the chase dot com car pro listener line.

1-800-926-7777.

Welcome back to the car pro show.

Jerry Reynolds, the car pro and me, Todd Chambles, get it over with.

OK, I will say it, you know, gone.

There's this little thing going back and forth called the video the week

that's in the newsletter.

It drops every Friday where Jerry does a video.

I do a video and nine chances out of 10, Jerry's video always wins

and sometimes pretty handily.

However, this week I beat Jerry's video with a video that I ran two years ago.

Always a caveat.

Yes, you ran it two years ago, but it's an oldie, but a goodie.

It brings things back.

They always come back in fashion again.

Well, congratulations.

Thank you.

You don't seem sore about it.

Oh, no, no, no, no, no.

It shouldn't be anyway.

It's really one of yours.

You should be getting a tip of the hat, too, because it was your video.

Originally, it was two years ago before I joined the crazy.

That video is crazy.

Oh, I know, I know.

I I frightening.

I can't believe that that did that.

And I don't want to give it away.

If you're not a subscriber, subscribe today right now at car pro.com.

Go down to the bottom of the page.

You'll get yesterday's immediately and you can see what we're talking about.

It's nuts. Oh, yeah.

If you were on the road, somebody not get hurt.

Oh, I know.

And well, speaking of that, your video this week, we all live through that.

Oh, I know, which which happened here in the Dallas, Fort Worth area.

Five years ago last week, we're not going to give it away.

I have to go see the videos.

Yeah. And that's one of the things.

And also while you're there.

Read my true story of the week, which is true story number one of 40.

We're going to have one of those in the newsletter every week

for the next 39 weeks.

Makes sense. They were written by me.

They're all very personal.

Some of them are funny.

Some very personal. Some are very personal.

Absolutely. Let's talk to Jill in Sugarland.

Jill, welcome.

How could I help you? Hey, Jerry. Hey, thanks for taking my call.

My pleasure.

I was just just driving along and my glance down and looked at my

my speedometer and noticed that I've got like over 80,000 miles on my 2020 Denali.

We bought it new 2020.

It's a 2021, I believe.

OK. And so I'm trying to figure out, you know,

in good shape, I keep it up well, have a good mechanic for anything that might go wrong.

But how I mean, I'm not the one that generally buys the car.

So but that will be my job this year.

And so I'm trying to figure out, you know,

everybody says sell your car before 100,000 miles because then you get a better trade in.

Well, if there's nothing wrong with my car,

I'm just trying to figure out, you know, should I be thinking of when I get in the 90s

that maybe I should see what my trade in could get to buy a new one?

Or should I just drive it until it dies?

Are you I don't mean I don't care.

It's in great shape.

Are you driving roughly the same amount that you've driven it since you've had it?

Yeah, I do.

I have a family in the Austin area, so I drive back and forth there a lot.

OK, so a lot of this is highway miles then.

Agreed. I mean, I do live in Houston, but but, you know,

I mean, I live in the suburbs and so a little bit of suburbs.

But I do do a lot of highway miles. Yes, sir.

Jill, if you were inclined to trade it, then I'd say, yeah,

you should do it before 100,000.

You really should have done it before 60,000.

That's the break from when a vehicle.

That's that's when a vehicle can be certified by the factory.

And and after that, it cannot be.

So, you know, that's that's one of the big breakpoints nowadays.

It didn't used to be there.

But if I were you and you're you still like it, it sounds like.

And it's been a good one, which they are. Yeah, they're great SUVs.

Then no, I wouldn't trade it.

I'd try to get it to 150,000 miles.

What I'll surprise you is how well it holds this.

This is one of the few.

How well they hold the value even past 100,000 miles.

They're always in demand.

And so for those reasons, I don't see any reason to do anything

just because you're coming up on a particular mileage with a Denali.

I keep it. I enjoy it.

Just keep doing your maintenance. You'll be fine.

Thanks for calling.

If you think you want to hybrid or maybe an electric

call the car pro Jerry Reynolds first, he'll help you decide.

Call the chase dot com car pro listener line now at 1 800 926 77 77.

Yeah, it's that time of the show. We talk about happy listeners.

These are folks have listened to Jerry's advice and they have gone

through his way of buying a new car and look at the stories we get back

from the Dallas, Fort Worth area, Ewing Subaru of Plano is the place

where Stephen went recently. He says Ross Iver took care of him.

You know, Ross, of course. Oh, sure.

Quick to message me back offered to meet my aunt and myself at a convenient time.

He told us about car pro pricing considerations, which were beneficial,

very patient, stayed on point, even with a few distractions.

So he was very happy and very glad to get a Subaru Forester.

And of course, it has a great story to tell there.

In addition, we go to Gulf Coast, Ford and the Dallas, Fort Worth area

with Wayne, who apparently was looking for Ford 2026 F 250.

Says that Dustin Garner, the salesperson, the contact was very knowledgeable

about all the vehicles he looked at.

He returned calls, answer questions, not pushy, love the experience there.

Where is the coast around here?

I wondered about that because I saw it on the thing and I said,

is that really in Dallas, Fort Worth? I'm guessing that's Houston.

Yeah, you're right.

Sometimes I'm just a dumb reader and don't think about things about that.

Is that a good explanation? Where is the coast around here?

But your video one, that's right.

My video one. Oh, you got a week to gloat on that.

I'm going to do it. 800 926 7777.

You could line up now for hour number two. You focus on hold. Stay with me.

I want to talk to you and we will get you and I'll take you in the order

that you can that you called in. So don't go anywhere.

800 926 7777 car pro dot com.

That's where you can find all those great dealers that Todd was just talking about.

So many vehicles, so many options.

Let Jerry Reynolds, the car pro, help you find what fits how you drive.

Call the chase dot com car pro listener line now at 1 800 926 7777.

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Car Pro Radio Show February 21 26 Hour 1

About this episode

car loan

84 months

leasing

high mileage driver

three year lease

trading cars

vehicle loan

negative equity

Mazda Cx30

Ford Ranchero

out-the-door price

El Camino

totaled

Copart

salvage title

Ford F150

four-wheel drive

five-liter engine

Subaru Outback

horsepower

hybrid

torque

Mazda Cx50

Kia Sportage

Toyota powertrain

Jeep Cherokee

Stellantis

ABS control module

salvage yard

trade-in

drive it until it dies

Ewing Subaru

Gulf Coast Ford

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