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How to Finance and Insure a JDM car - EP.28
How to Finance and Insure a JDM car - EP.28
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About this episode
Financing and insuring JDM cars can be a complex process, and this episode dives deep into the challenges enthusiasts face. Bobby and Aaron share their personal experiences and research, discussing how traditional financing options often fall short for right-hand drive vehicles. They explore specialized insurance policies, including collector car insurance, and emphasize the importance of doing thorough research before purchasing. With insights on financing options like personal loans and collector car lending, this episode serves as a valuable guide for anyone looking to navigate the unique landscape of JDM car ownership.
Topics:
financing options
insurance types
collector car insurance
personal loans
gray market cars
specialty insurance
research tips
community sharing
This week we answer some of our most asked questions
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Hey, and welcome back to Right Hand Drive Guys.
This week we're going to be talking about some of the questions that I see the most on the internet,which is financing and ensuring Right Hand Drive Cars.
Yeah, so I'm Bobby, this is Aaron.
Yeah, yeah.
Let's get into it.
So what I notice, obviously, right, when you can go to a normal car dealership,you get with the finance guy, he writes up your paperwork, you sign it, you're gone,you get a bill within 30 days and you start paying it, right?
Right, right.
And that's like the easiest thing in the world that feels like way too easy a lot of times.
So they want your money.
Right.
And that's because that's how that system was created, right?
Right.
Is that revolving, you know, and then in five years, you're like, "Hmm, I need a new vehicle."
Right.
Yeah, whatever.
So, but with these cars, it's absolutely different.
Yeah, it's totally different.
It's a whole different thing and a lot of guys, you know, think that they can,"Oh, hey, I'm going to go to my credit union.
They're going to hook me up and I'll get a 5% interest rate and I'll have this R34 GTR M spec."
Right.
Like, like highest hopes in the world.
Yeah.
You know, I think a lot of things.
Surely they'll give me 200 grand.
Right.
Yeah, absolutely.
On this car, they can't see, they can't verify, you know, and so that is a problem, right?
Because there are thousands of guys like us who love these cars and want to get into one.
Right.
But the problem is, is you can't just fill out the paperwork, get the bill in 30 days and, you know, be good to go.
Yeah.
It's a huge hurdle.
And so, that's why we decided to do this episode.
Because, you know, we just realized that a lot of people are looking for that info.
And of course, we don't know it all.
Right.
We've been through enough to at least give some guidance and same with the insurance, right?
Like, a lot of people think that you can just go right on to your progressive or USA account at that bin and you're good to go register it, you know.
You thought.
Yeah, you quickly find out when you're getting involved in this, that like, that's not the case at all.
And so, yeah.
You know, I did a lot of the research on the financing portion and Aaron did a lot of the research on the ensuring portion.
And we also have our personal experiences that we can add in.
And so, why don't you lead off?
What, like, let's get into the insurance thing because maybe some guys have cash and they don't need to finance the car.
So, let's get to the part that they need to.
So, yeah, insurance.
You know, it's one of those necessary evils if you're driving period.
Whether you're right hand drive, unless you're full.
Unless you are a fool.
Yeah, those guys are definitely out there.
It's definitely one of those things you got to have, right?
And starting, you know, if you just have a basic, beater daily driver, you got liability insurance.
That just covers if he hits someone, right?
Then you also have full coverage, which you pay a deductible.
And then.
Pretty much anything's going to be covered.
Yeah, you just pay your deductible, you're good.
And the last and final type is the, like, the collector car type insurance, where it's an agreed upon value.
So, with these JDM cars, that's my favorite route to go because a lot of the insurance companies aren't going to see the values in these 90s cars.
Right.
So, you want to get your maximum payout if something happens.
And so, these companies, it's like a sliding scale.
The more you want insured, the more you say the car is worth, the higher you pay.
The bill has got a bit, right?
So, it's one of those things.
It's the trade-off.
So, yeah, sure, you could register your base model, Civic, with a $50,000 policy.
I don't know if that would show you your flags or anything.
Agreed upon that.
Right, right.
Because I've had...
There is some discretion there.
I've heard it called agreed value and full value, which I think is pretty much the same thing, but...
Right.
Like, it's only to an extent.
So, from my experience with that, I have American collectors insurance.
Right.
So, you know, when I first first got the car, the agreed value was what I paid for.
You know, which, like, the agreed value was $50,000, which was a little more than I paid for.
Right.
But then, you know, once I got all the parts on it and all of that stuff, the agreed value went up to $80,000.
Right.
So, my bill almost doubled.
And I was like, "Oh, wow."
So, I spent the money on all the parts and got everything installed, and it's this sick car, but...
Wow, my insurance doubled.
Right.
So, like, but that's part of it.
If somebody teaboned me tomorrow, I would get $80,000.
And that's part of the agreed value of the car.
Right.
And plus, like, you know, for me personally, whenever I registered or insured my car, I was kind of surprised at how cheap it was.
Yeah, no, it's not like agreed.
Because it is like a specialty type insurance.
And there are restrictions with these collector car insurances, right?
Like, they don't want you driving, but so many miles a year.
Yeah.
They only want you driving certain days.
Some of these policies, only certain days, or two certain events, or whatnot.
Some of these insurance companies, they restricted by age.
Like, if you're not, I think, over 25, they won't insure you.
If you have tickets, if you have too many tickets on your record, they won't insure you.
Right.
Yeah.
I mean, it's like, yeah, which a lot of those rules kind of apply to other insurances, too.
So, it's not like it's this crazy thing.
But you definitely got to make sure your eyes are dotted and your teeth are crossed before you think you're just going to get an $80,000 policy.
Right, right, right, for sure.
So, yeah, I mean, for me, whenever I got my R32, I first thing I did, I went down to my agent at the Allstate, gave him my VIN.
You know, the whole thing, I was like, surely they're going to insure this.
Because you got to insure your car before you go to register it.
So, yeah, this was like my first hurdle, right? So I go to insure it.
Lady takes the VIN numbers.
She's like, um, this doesn't look right.
Let me call it, did some calling around.
I ended up leaving.
They ended up calling me back later saying, yeah, that's a gray market car.
And we're not allowed to insure that.
So I was like, what?
What's a gray market?
Right, right.
And like, at that point, I knew I was like, all right.
Well, yeah, it's going to be a collector specialty type thing.
Right.
And that's when I got online and started looking, uh, started looking up the specialty typeinsurance.
And, um, you know, I've always heard of haggity and, uh, grundy and, uh, you know, just fromthey have advertisements.
You know, if you're, if you watch any of the car shows on TV, they have the times for haggity.
I'd be for sure.
Yeah, yeah.
So I called up haggity or actually, I think I went online.
It was pretty easy.
I went online, made an account, put in my Venn number, put in the value and all that.
And probably within the day, you got a bill.
Yeah, yeah, yeah.
So that was accepted and did, uh, did I was good to go?
And I'm like, oh, wow.
That was actually kind of easy.
And I was expecting this astronomical bill, right?
I was like, oh, man, this is going to be like 500 bucks a month or something crazy like that.
Because of what it's covering.
And, you know, obviously, like my other daily driver cars through all state, they're, theycan be pricey.
Yeah.
But it wasn't.
It was under 200 bucks a month.
And, you know, I have a few tickets on my record.
I don't, I'm not spotless or nothing like that.
So I was kind of surprised.
I'm like, this is actually decent.
And, you know, I went back and added a little more value to my car.
Yeah, yeah, yeah.
I mean, this is worth an extra.
Just a little bit more coverage, you know, just in case of anything happens.
Yeah, exactly.
But I thought it was very simple once you found the place to get it.
You know, the insurance is very simple if you go to these certain places.
But if you're going to try to go to your, you know, regular agent up the street, it's goingto be a nine out of 10.
They're not.
And back in the day, like back when I, you know, had the Civic Type R and stuff.
Yeah.
And it was different because these cars, and we're talking about, you know, 2007, 2006.
These cars were not as like, plentiful.
Right.
So they didn't send you.
So for example, you know, back then, and I still have USAA.
Yeah.
And I also use Geico.
And both of these places just put zeros in front of the, yeah, on the bin in order to make it 17 digits.
And they would, they would cover me.
And it was kind of just like, okay, this is like a special circumstance type thing.
And I just had like regular, no, like on your, your truck.
And I mean, it's not like I kept these cars for long enough to have an issue.
But now, you know, when I went to do my car, I logged on the USAA, you know, typed in my bin, like thinking it'd be like back in the day,even added some zeros when it didn't go through.
And I called because I'm like, hey, this isn't working out.
And she's like, well, that's because, you know, we no longer cover specialty cars like that.
We use American collectors as our like off branch to do that.
And so what's kind of funny is, right?
And you know that this is how it happens is USAA partners with American collectors.
So USAA then refers me to American collectors. And you know, USAA is getting a kick back on my intern.
It's just like, it's wild, you know, like how this works.
But at least it is available to us.
And it's not like a you can't read it.
You can't ensure your JDM car.
Right.
At least there's an option.
And yeah, I think on the 80,000 bucks, I pay $1,200 a year.
Yeah, that's not bad.
No, it's not.
It's like $1,200 a month, dude.
Like you said, like I was expecting like, yo, I'm asking for $80,000.
Right.
I'm expecting to pay $200, $300 a month to maintain that value.
Right, right.
But it ends up being like $112 a month.
That's like crazy.
Like I'm like, should I just get a green value on all my vehicles?
It kind of seems to work out, you know, they think I was a fool though if I tried.
Right, right, right.
But that's cool.
Yeah, I mean, it's not it's not that hard once you find these places.
Right.
And just compare, right?
Like that's the if you're not in like a huge rush.
Right.
Just compare, get both from Grondi.
Yeah, get on the phone.
I'm grondi.
I like I was telling you, I think I heard that I did hear that state farm also does agreed value policies.
Right.
And so if you have state farm, you don't even have to go to one of these subset areas.
You can literally just use your agent Jake or whatever.
Yeah, hit a pole J.
Yeah.
And yeah, so I mean, I think that that's really cool.
And I hope that more regular insurance companies kind of open up to this instead of funneling us into these like specialty accounts to where, you know, I mean, yeah, it's cool.
It's kind of a hassle, right?
Having multiple insurance companies.
Kind of, but I don't know, but with your car like with your specialty car, you want that specialty insurance, right?
Yeah, but what I'm saying is it would be cool if USA or all state offered just the specialty insurance.
Right.
So it's on one like policy instead of like, I got to pay my USA bill.
I got to pay my American collectors bill.
You know, like it's like just one of those.
I don't know.
I mean, things.
I don't really mind because like, here's the thing.
If you, if you're in your specialty car, right?
If you're in your 98 Civic Type R, you're cruising down the street and you get hit by an uninsured unlicensed driver.
Do you think your basic policy is going to understand the value and the importance of this car?
No, but they would have a special department.
That's the like specialty car department.
Right.
Yes, that would.
Yeah, I'm just saying take American collectors, merger with USA.
Yeah.
And there's not two, but no, I agree a regular policy.
I'm one of these cars.
No, I wouldn't want to deal with it because from 8 is the everything would be a hassle, whether it's that, you know, the guy that comes in the adjuster that comes in looks at the car and he's like, why the hell is the steering wheel on the wrong side?
Yeah, I don't know.
Yeah, I don't know.
Yeah, I don't know.
I don't know.
I got out of the car.
No, I was in the steering wheel was on this side.
But yeah, I mean, no, I wouldn't I wouldn't want to deal with that because dealing with standard insurance policies from the jump even on a regular truck or something.
Right.
It's such a pain.
There's pulling teeth, man.
It's like they want to make our time you.
Nickland, I mean you and screwing you over because you've been paying them hundreds of dollars a month for this thing.
And then you're trying to use it and they're like potentially for years.
You've been paying hundreds of dollars.
I never have a claim and as soon as you do, it's like they're like, oh, you're going to have to pay out a pocket for your rental.
You're going to have to pay.
Right.
You're like, wait, what?
It says on my policy rental.
Yeah, yeah, yeah.
And it's like, what is this coming from?
Yeah.
So yeah, I mean, whereas, you know, if you were hit with a different type of policy, I feel like those adjusters and those people that work within that company probably know that this is a special car.
Right.
It's not just a 90s ship box that's worth $3,000.
No, it's actually a decent amount of money that needs to be paid out for this thing, you know.
For sure.
And we actually, we have a friend who we featured on the podcast a few weeks ago.
Yeah.
Richie Cappillian.
Yeah.
And if you remember, he had, you know, just gotten from stacked is 98 K9 CTR.
And, you know, literally two weeks after our interview, he is what going through an intersection got T-bone.
Yep.
Going through an intersection got hit by a guy in his work van that ran a red light.
The guy was an illegal immigrant.
Didn't, wasn't a citizen.
Didn't have insurance.
Holy crap.
Didn't have insurance.
That'll happen, man.
Yeah.
And, you know, it's sent Richie.
He ended up the offender and door quite a bit.
Destroyed the wheel.
The regumaster is on there.
And, yeah, he's been going through a lot of heartache ever since, man.
Yeah.
And he, his insurance policy was just a regular, you know, as I quote him because I talked to him yesterday, he just had regular, regular ass insurance.
Yeah.
And, yeah, he 100% was just he could go back and get the specialty policy through the, the haggity.
So, yeah, that'll, that'll literally do it, right?
That's the exact example, right?
Like, you know, you're in a rush.
You want to get the thing registered.
Yeah.
You're, you're the insurance company is like, okay, let's do it.
And, like, oh, cool.
Yeah, like you're good.
But, not really thinking.
Like, I'm about to get hit in four weeks.
Right.
Yeah.
Literally, I'm sure he wishes he could go back because he'd have that cash right now to get those parts.
And do it right because the value was there.
Right, right.
Yeah.
So, it's heartbreaking, man.
Yeah.
It's because, yeah, it's going to be, he's going to be having a fight with that insurance company.
For a minute.
Yeah.
For the minute, you know, like it's, it's, it's hard.
It won't be he's not getting his check next week.
He's getting his check in six months after he's gone through all of this.
Yeah.
So.
Even though I'm sure he had uninsured motorists and all that on his policy.
But they're going to be valued on the car.
But the value.
That's a 98 Civic brother.
Right.
That's not a EK9 CTR.
Right.
Right.
They don't even know what that means.
Right.
They're like, what?
It's got stickers on it and red seats.
Like, what are you talking about?
Yeah.
Cool story, bro.
Here's your $1,200 bucks.
Right.
Right.
They're sharing.
So that's, that's a lesson to be learned from, you know, somebody that we personally know is, you know, every time we take these cars out the garage, you're like, fuck.
I hope I don't get hit.
They're not invincible, man.
They get hit all the time.
And they've, I've actually seen quite a few skyline specifically.
I don't know if it's just part of the groups.
I'm part of or whatever.
But I've seen a bunch of skylines popping up on co-part.
Like, re-rended, whatever it was.
Whatever it was, you know, like, so, yeah, man, just because you got a cool car and you love it.
That means it's invincible.
Yeah.
Definitely.
And just because a lot of people also love it.
Doesn't mean that they won't t-bone it at an end.
Right.
I mean, accidents happen.
Yeah.
And why insurance is a very important thing and getting the correct type of policy is justlike, just like when anything else we've covered, do your due diligence.
Right.
Like, 100 percent, do your research, do a little bit of homework.
It's worth it in the long run.
Yeah, for sure.
And this way, you just don't end up in, you know, richy situation where you're kind of like bombedbecause you wish you had done it.
You wish you had listened to Ray Hend drive guys prior.
You know, really, you know, so yeah, that's insurance.
And again, do your due diligence.
There's more companies than we know of.
There's more options than we know of.
But this is at least a guide to kind of get you direction towards making sure that you're in the right situation.
And check them out before you get the car.
You know, start doing your research on some of these insurance because if you got a shitty driving record,you may be disappointed when you're in a car.
You might not be able to ensure the car at all.
Yeah.
Which is crazy.
Yeah, just keep that in mind, man.
And it's one of those things you've got to have.
And you, unless you're just silly and don't care, like you want that thing covered for the value.
Yeah.
Oh, yeah.
I mean, absolutely.
You pay $40,000 for a car and it's in the shirt for $22.
Like you're losing.
Yeah.
And eventually you're losing.
We're not in the shirt at all.
Like, you know what I mean?
That's crazy.
Yeah.
So, okay.
So when it comes to financing, you know, this is a question that I do see often.
And, you know, guys have commented on our posts and DMed us about, you know, how do I get this car if I don't have the cash?
And, you know, of course, we all like to say like cash is king.
Right.
Yeah.
You don't want a loan on a JDM car if you can help it.
Right.
But some of us can't help it.
Right.
We just want the car and we get the loan.
Yeah.
And so be it one of our daily drivers or whatever it might be as well.
Yeah.
And so, you know, there's some obvious like things that you can try for financing.
You know, first and foremost, you could ask your grandmother to borrow some money.
Oh yeah.
Ma.
Hey, ma.
Hey, ma.
Let me get a couple grand.
Hey, I need $128,000 for this A34 GTI.
I can't import until 2025.
Is that cool, ma?
Sure.
Honey.
Yeah.
And you can try to get, you know, private loans that in today's economy that like you're probablybetter off doing that.
But that's also hard because in today's economy, not everybody has $5 to $50,000 to loanout.
Right.
Who knows a loan shark.
Right.
Yeah.
Yeah.
Yeah.
For sure.
Yeah.
You'd have to have a friend with some cash or you'd have to have family members like definitelydon't get involved with somebody that's going to send Binion Guido after you miss your payment.
Like that's for sure.
But there are, so you're not going to be able to get a traditional auto loan.
That's not going to happen unless you know somebody that can fudge some stuff in order tomake that happen.
Right.
But like I, I mean, I have, we, we have a good friend that owns like very, very large dealershipsand there was no way that he could get us financing on these type of cars.
Right.
I asked him, I'm like, Hey, dude, you think like you could get me alone on an R34.
He's like, dude, the car's not even on US soil.
I can't get you alone for it.
I'm like, they repot if it's not a guy.
Yeah.
So and that's really what it is is that the risk.
Yeah.
And there's no standard for these cars, especially not yet.
So you're not going to be able to get, you know, well as far go to give you an auto loanon any of these cars.
Right.
However, you could apply for a personal loan through Wells Fargo.
You are going to pay a higher interest rate because it's a personal loan.
It's unsecured.
You know, you're, they don't have collateral.
There isn't, they can't take the car.
Right.
You know, they're, they're going to have to chase you down another way.
So you can try to get a personal loan through a traditional bank.
Right.
A lot of guys do that.
Some guys don't want to mess with a traditional bank.
Some guys can't get approved by Wells Fargo, whatever the case may be.
So what do you do at that point?
Well, there are companies, there are a few companies who will loan out on these type of vehicles.
Yeah.
However, your qualifications have to be on point.
And so collector car lending is a company that you can apply with and they are known forfinancing.
You know, GTR supers that type of thing.
Same with JJ's best.
And those two are like made for collector cars, right?
Like you're not getting, you're not getting like an auto loan, but you're not getting a personalloan.
You know, it's like kind of in between because you are actually getting it out on this vehicle.
You see what I'm saying?
But there's no title for them to have for that deal.
You still hold the title and all that.
Right.
Yeah.
Exactly.
Like deep down, it is a form of like personal loan, but I think that they report better interestrates than like your standard personal loan, which brings us to the next one.
Okay.
JJ's best says no collector car lending says no us being humans onto the next, right?
You know, like, right.
You want it.
Yeah.
You want it.
You do it, dude.
And that's for real because these cars are like a lifestyle and they're like super importantto some people and, hey, what's eight, nine percent interest when I can have my dream car.
Right.
Once I pay off the loan, that eight or nine percent interest is in the past, but the caris still here.
Right.
Right.
You know, so I'm probably appreciated.
Yeah.
Oh, for sure.
So, right.
If you play it, right, that seven or eight doesn't matter because you gain 13.
Right.
You know, and so you're still up.
Yeah.
You know.
And so you can hit up light stream.
I'm sure a lot of guys have heard of and tried that another one is so five.
They'll do up to $100,000 personal loan.
So that's, you know, pretty decent in the sense of, okay, I want an R34.
I got 30 grand of my own money and getting 100 from so five.
Yeah.
We're good.
So are these, these are just strictly online, right?
Yeah.
Just light stream and so five.
Yeah.
They'll tell you within 10 minutes.
They'll break your heart or make your day within 10 minutes.
Yeah.
I think I have my heart broken.
Yeah.
I hear you there.
So it is one of those things, right?
Like you want it bad enough, you'll do what it takes to get it.
Right.
Right.
Hit them up if they say yes, spend the money, get the car, right?
Right.
And deal with the rest later as long as you're not putting yourself in financial jeopardy.
Yeah.
Right.
Don't be silly.
Yeah.
That's kind of the thing.
Don't bite off more than you can shoot.
The car's, the price is going to go up, but the cars aren't going anywhere.
Right.
So like, yeah, you might pay a little more, but you didn't put yourself in financial jeopardyand have, you know, them have to come collect on a loan.
Like, yeah.
Yeah.
So makes the car way more enjoyable if you're not stressing about the money part for it.
Yeah.
And so don't get yourself in that situation, right?
If, if you think you want a GTR, but like you can only financially afford a GTT, right?
Do the GTT, bro, you still got an R34 work with it.
See what happens and you maybe have that chance to upgrade later.
And that GTR for the GTT price, don't buy that.
Yeah.
Yeah.
Yeah.
That's a whole nother episode.
That's a whole nother episode.
Like, don't, don't buy that.
Just get the GTT in the end.
That's $75,000 GTR.
I don't know how that's going to run.
Yeah.
So there are like, you know, a few other options.
And one thing that we've noticed is some of these importers have started offering likean in-house financing.
I can't be positive because I obviously never applied for it.
I don't think you have either.
I have not.
Yeah.
So I'm not sure how they're doing that, whether that's actually like in-house cash or if theyjust send you to light stream.
Right.
So they're local bank or credit union that works with them.
Yeah.
So I'm not sure.
But I do know that that is going to be, you know, another option.
Right.
Of course.
Yeah.
Some of the dealers do.
I've only seen it a few times personally.
Yeah.
But it definitely is.
Right.
It's not every single dealer.
A lot of them will say we offer financing.
But like, again, like I could say offer financing and literally send you a link to oneof these.
Right.
Like offer financing on this K truck for 6K they got right here.
Yeah.
Yeah.
Which, I mean, I guess if you were like a dealer doing that stuff that would be the way to doit, right?
You offer a high interest rate on in-house low cost stuff like a K truck.
Right.
Six grand.
You end up getting 10 back after the interest.
I mean, I guess if you could build yourself up that way, it's not horrible for the company,for the person.
Yeah.
I mean, you're paying 10 when you could have paid six.
Right.
Yeah.
I mean, there are some options here when it does come to ensuring and financing these vehicles.
It's not like this crazy kind of hard to deal with thing.
It's not super stressful.
You just, you do got to educate yourself first.
Yeah.
Like, you got to, you got to want it.
Yeah.
And if you want it, then dude, jump right in.
Read every article you can see about whatever financing option or whatever it might be.
Like, just jump right in.
Do your research.
Yeah.
Don't be afraid.
You know, like, dude, type anything into Google with something's going to come up.
Yeah.
Come on.
And like, the groups too, because what I noticed on Facebook is obviously everybody knows thegroups, the questions get asked 80 times.
It don't matter if it's been, it was asked two hours ago, somebody will still ask, but youcan do a lot of research by just hitting the search function on the groups.
Absolutely.
And there's, and like I said, like we're not completely versed in super experts on thesetwo subjects.
However, we're giving you kind of the baseline to then go add on to that with your own research.
You might find some financing options.
We didn't let us know about them that way.
We can go ahead and pass that stuff on to the next guy.
Yeah, me.
Yeah.
Yeah, exactly.
And so that just makes it more of a community type thing when we're all kind of sharing infoand that's really why we're doing this in the first place.
Yeah, I love to share the knowledge and I love to learn, you know, yeah, yeah, absolutely.
Yeah.
Like interact with us because we'll shout you out, use your info and continue to educatepeople.
So yeah, now, so what's next over here?
What are we going to do next?
What are we doing next?
He's like, oh crap, we didn't talk about this before.
What do you mean?
What are we doing next?
So this is going to be our last episode recording in my office where we've been recording.
We started at Aaron's kitchen table.
Yep.
Sure good.
And then we moved over to my office because his dogs kept sniffing our butts while we weretrying to record.
Yeah, it's half dancing across the floor.
Yeah.
And if you like, listen to the first few episodes, you can like here as Giggle every timeas dogs and ifs our butts.
So like, it's just, it got weird quick.
But now, so this is our last episode in the office.
We have kind of come up with a strategy to start recording and recording video, which issomething that we wanted to do for a while.
But we just need, we didn't want to do it prematurely and not have it equality.
Right, right.
So we're setting up inside of the blank garage.
That'll be, we have an area that we're going to use as our studio.
Which I think a lot of people will think is cool the way that we're doing it.
Yeah, I think it's dope.
Yeah, because you came up with the idea.
But yeah, no, it just incorporates the cars more and incorporates kind of that vibe.
And then with the video, it really can expand all of the emotions and the, you know, allof our reactions and everything instead of just hearing our voice, you can actually seeour ugly faces.
A little bit more personal.
Yeah, you took that personal.
No.
But yeah, so we're excited because again, like we're just, we're doing this for fun.
There's no money involved.
There's no reward beyond being able to help out other dudes just like us.
Right, right.
And we're going to take it to the next level.
Yeah, I'm stoked for it.
Yeah, the garage brings a whole different vibe, you know.
Yeah, it's, it's the garage.
Yeah, if you haven't seen it, you can check out our IG at our HD, G-Y-S.
And I think that'll wrap it up.
Sounds good to me.
Awesome.
So yeah, if you have any other questions about ensuring or financing, just hit us up.
We'll see if we can help you figure that stuff out.
Yeah.
But otherwise, I'm Bobby.
This is Aaron.
See ya.
Peace.
Forgot I had to say
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