agent Entrepreneur logo
MenuMENU
SearchSEARCH

Enable Sales Staff to Present F&I Earlier in Process

Building a cooperative culture and avoiding isolating important business segments will boost sales.

Tim Bailey
Tim BaileyContributing Author
Read Tim's Posts
December 20, 2023
Enable Sales Staff to Present F&I Earlier in Process

Salespeople shadowing the F&I department can provide a fresh perspective on protection products. for example.

IMAGE: Pexels/Antoni Shkraba

4 min to read


It has been well-established that the importance of selling F&I products is currently at an all-time high. From helping to further boost profits and offsetting floor-planning cost erosion, to solidifying higher customer satisfaction through better protection of investments, F&I is a cornerstone of any retailer’s success.

It’s certainly important to have the right F&I product options that best fit your vehicle inventory. F&I products are not a one-size-fits-all menu, so it’s pivotal to have a menu lineup that will address the needs of each buyer.

Ad Loading...

Aside from the products themselves, more retailers are taking a closer look at the process of selling F&I products when customers are closing the transaction – most likely still in the showroom. Yes, online research and digital retailing are growing, but many of today’s final transactions still take place inside the showroom walls.

Online F&I Is Still a Work in Progress

Part of the reason can be attributed to the fact that the online F&I research and selection process is still a work in progress. Either the product options aren’t readily available online, or the pricing is unavailable or inaccurate, which frustrates car shoppers.

Furthermore, experts are confident F&I product sales growth would occur, and F&I time would be preserved, if retailers displayed accurate payment calculations online. Sixty-nine percent of dealerships said recently that online payment estimation tools provide shoppers an inaccurate or unrealistic perspective more than half the time1. Thus, a majority of F&I consultations and sales still take place at the dealership.

Selling F&I products and vehicle maintenance can be challenging, and this difficulty is frequently caused by the design and management of dealerships. Auto retailers frequently, albeit unintentionally, create siloed business practices by defining boundaries among professionals in sales, service and F&I. Since departmental cooperation is crucial to a dealership's overall success, it's imperative to promote a cooperative culture and avoid isolating important business segments. Nevertheless, how can well-established dealerships consider a more unified selling framework?

Ad Loading...

Empowering Sales Staff Is Key to F&I Success  

Establishing a more consistent customer experience between departments is one way more dealers can develop a successful F&I ecosystem. Instead of potentially frustrating customers at the point of purchase, a growing number of dealers are allowing and encouraging salespeople to grow their understanding of F&I products. By communicating the value of auto financing and insurance earlier in the conversation, dealerships can make a stronger case for the value of these supplemental offerings.

In addition to establishing stronger education and value earlier in the sales process, the customer begins to view F&I products in a different light. Because the salesperson has done a good job building trust with the customer, he or she is then presenting F&I options as a benefit that can help protect the investment. When customers are handed off to a different person at the end of the transaction, trust needs to be re-established, and the customer may feel like the additional options are nothing more than a way for the dealer to make a few extra dollars.

Sure, F&I products boost a dealer’s profit-per-vehicle, and most customers realize this. But when they’re offered and presented by a salesperson who has gained a customer’s trust, the shopper is more inclined to look at it through a different lens.

Training Makes All the Difference

Ad Loading...

Offering sales personnel many opportunities for training and skill development is one of the best ways to enhance interdepartmental collaboration and position dealerships to promote from within. For example, allowing sales representatives to shadow the F&I department can provide a fresh perspective on protection products and enable them to carry over the trust and goodwill they have developed with customers to the later stages of the purchasing process, along with providing sales an additional career path. On the other hand, giving members of an F&I department the chance to collaborate with sales representatives in person can give them useful time on the sales floor and a more accurate understanding of today's consumers and their preferences.

F&I provider partners also now offer a bevy of in-person and web- or video-based tutorials to help sales staff understand and sharpen their skill sets and knowledge of F&I and protection products. These are extremely critical because they can often cover product details in an elevated way that are sometimes overlooked by simply shadowing an employee at the dealership.

Enabling sales staff to also present F&I products isn’t necessarily a new strategy for auto retailers. However, in this era of profit preservation, every little detail may offer a dealer a competitive edge.

Tim Blochowiak is vice president of dealer sales for Protective Asset Protection.

Originally posted on F&I and Showroom

Subscribe to Our Newsletter

More Industry

Blue and white RV parked on beach facing the ocean.
Industryby Lauren LawrenceSeptember 3, 2026

RV Group Expands Carolina Footprint

Blue Compass RV Columbia Northeast is the 13th RV dealership owned by Blue Compass in the Carolinas.

Read More →
Photo of two men and one woman on a discussion panel
Industryby Hannah MitchellSeptember 1, 2026

Agent Acumen

An Agent Summit panel of people who’ve been supporting auto dealers for years gave both timely and timeless advice for those starting out or mulling the prospect.

Read More →
Gloved hand holding two wrenches next to “Turn Overdue into Opportunity” Graphic
Industryby Lauren LawrenceAugust 27, 2026

Missed Maintenance Creates Opportunity

As families get back on the road and into daily school routines, service drives have an opportunity to capture customers who are behind on recommended vehicle maintenance.

Read More →
Ad Loading...
Mitsubishi shadow line-up
Industryby Hannah MitchellAugust 25, 2026

Mitsubishi Unveils U.S. Plan

The automaker announced a strategy that includes an expanded lineup and dealership presence, along with more ‘rugged’ and electric models.

Read More →
Photo of a laptop, cellphone and eyeglasses on a desk next to an office window
IndustryAugust 24, 2026

Selling to Grow

The question of whether you should sell your agency and if so, when, is up to you. But it’s a question worth asking to ensure you keep the business on the right path for yourself, employees and clients.

Read More →
Mechanic holding a vehicle diagnostic device while standing above an open car hood
Industryby Hannah MitchellAugust 24, 2026

Recalled Vehicles Hit 5-Year High

Though the number of events has fallen so far this year, impacted units are up significantly. Meanwhile, regulators consider consumer notification changes.

Read More →
Ad Loading...
outside of car dealership with cars parked in front
Industryby Lauren LawrenceAugust 20, 2026

Auto Group Acquires Top-Performing Rooftop

Car Pros sold its Kia Huntington Beach location to Sutherlin Automotive Group, marking the buyer’s third location in Southern California.

Read More →
Cars from the rear on a Shanghai freeway
Industryby Hannah MitchellAugust 19, 2026

China as Pacesetter

Automotive leaders huddled on where North America stands in the global picture and how it can strengthen its position against the Asian juggernaut’s surging industry.

Read More →
Orange BMW car on empty road.
Industryby Hannah MitchellAugust 14, 2026

BMW Concept Car Makes Fuel to Burn

The prototype developed in concert with a South Carolina university engineering team generates more solar energy than it uses in a typical daily commute.

Read More →
Ad Loading...
Six men standing for photo outside of car dealership
Industryby Lauren LawrenceAugust 13, 2026

South Carolina Auto Group Downsizes

Florida-based group Holler-Classic has acquired four rooftops, its first in South Carolina, from Dick Smith Automotive Group.

Read More →
Ad Loading...