Dealers, lenders, and insurers count on you not fighting back.

We read your vehicle’s repair history (how many attempts, days out of service, the type of defect) against your state’s lemon law statute. If your car qualifies, we generate a manufacturer demand letter citing the statute, your repair documentation and your legal remedies: replacement, buyback or cash settlement.

Yes. The average auto loan refinance saves $1,800 over the life of the loan. We watch current rates, compare them against your existing terms, work out the break-even, and match you with the lenders most likely to approve you.

The usual ones: VIN etching ($300-600, worth $25), fabric and paint protection ($500-1,500, worth $50), nitrogen tire fill ($200, free at Costco), and dealer-arranged extended warranties at a 3-5x markup over the manufacturer’s. We flag them on your purchase agreement.

We compare your current coverage and premium against quotes from several carriers, using your driving profile, vehicle and location. We find the coverage gaps, recommend the deductibles that make sense, and generate the switch letters. Average savings: $500-800/year.