FI showroom red and grey logo
MenuMENU
SearchSEARCH

Sell the Experience

The goal should always be to listen and understand your customers better, not just to present a menu and overcome an objection.

by Lloyd Trushel
October 13, 2020
Sell the Experience

The goal should always be to listen and understand your customers better, not just to present a menu and overcome an objection.

IMAGE: ANDRESR via GettyImages.com

5 min to read


Do you ever have a customer that says “no” right away? The kind of person that rejects your information immediately, without even listening to your presentation? They make decisions without any real data. It’s completely dysfunctional, yet it happens to every one of us. The decisions we make are only as good as the data we use to make those decisions, and customers without good data cannot make a good decision.

Remember, you’re not just selling products, you’re selling an ownership experience. 

Ad Loading...

They won't listen to the data. They don’t trust you, so they tune you out. They have the perception of you as not trustworthy, and therefore your words have no meaning. It’s hard to move these people with word-tracks designed to sell a product. They simply go off script. This type of person can wreck an F&I manager’s morning.  

Many times, this customer actually needs your products, but a canned presentation isn’t going to get them past their cynicism. They need personal attention. They need to know you’re doing this for them, not you. To get past their cynicism, you have to be more focused on them and less focused on selling products. I know that it’s counter intuitive, but it’s the only way you’re going to communicate with them. You need a dialogue, not a monologue. 

The goal is to listen and understand them better, not just to present a menu and overcome an objection. Besides, they’ll have another objection, so when does it end? 

Instead, focus on what’s important to them. I try to gather data about their habits. For instance, where do they shop? Someone that usually shops at Walmart gets an entirely different experience than someone who shops at Macy’s. So, I ask myself: Which kind of customer do I have? Walmart or Macy’s? Maybe it turns out they don’t care deeply about the overall experience. Their concern might only be narrowed solely down to “price,” but that’s rare and getting rarer. 

Today, lots of people simply won’t shop at Walmart for a myriad of reasons, and low pricing simply won’t entice them in the door. It’s not all about price. It extends to feelings about trust, character, and value. Personally, I do not spend money with people I don’t like, and if you look, act, or sound like you’re only job is selling, I’ll say “no deal.” Instead, show me your true colors. Forget price for a moment. Forget about the bump. Forget your sales quotas and just show me how you can honestly help me have a better experience with your product or the vehicle I’m buying, and then I’ll vote with my wallet. 

Ad Loading...

Who Else Votes With Their Wallet? 

Three out of four people that visit Disney become return visitors. Why? Disney isn’t the low-price leader, are they? They’re just like Apple, Lego, and many other companies that sell experiences rather than price.

People already have the data on Disney. It’s about the experience. It’s about trust, character, and value. The overall perception is that Disney always delivers, and accordingly, people vote with their wallets by paying up for the better experience. The same dynamic should occur when someone is buying a new vehicle, and our focus needs to be on helping our customers get the best experience available. 

Yes, the best experience always costs more, but it’s worth it. It’s worth it for many reasons, but I’m going to cover two big ones: Economics and emotions.

1. Economically:  Three-fourths of Americans live paycheck to paycheck. If you’re living check to check, then what’s easier, coming up with $30 in 30 days or $2,500 right now? 

Ad Loading...

Try this: Instead of selling a VSC or GAP, focus on helping people secure economic protection. It's more difficult than it sounds. It requires you to think differently. It also challenges your belief systems if you don't believe in the products you sell.

2. Emotionally:  If your focus is only on the “one bad day in the shop” type of manipulation to close the sale today, chances are, they’ll tune you out. Customers are turned off by people that only use scare-tactics. Notice I said “only.” You need balance — you can talk about scary things when the threat is real, and you balance your discussion equally with benefits. Overall, the most profound benefit I’ve experienced is peace of mind or the avoidance of stress, so go there.

Try this: Imagine yourself living check to check. You just came out of the grocery store and suddenly your car isn’t starting. You just spent a huge amount of money on groceries, and they’re going to spoil fast. You must arrange a tow truck and decide which mechanic you’ll trust to tear your car apart and determine the problem. Also, you have no extra money. How do you feel? How will you pay? How will you get to work? If you miss work, how will you pay other bills?

When your customer is in a difficult economic position and you can’t communicate with them, you and the customer have engaged in a relationship where both parties lose. You miss your sales goals, and your customer is unprotected against economic catastrophe. It’s a lose-lose situation. 

Had some real communication occurred, they would have bought a VSC and would not be in a downward economic spiral, and you would have gotten the sale. There's no longer a problem. Instead, they call a tow truck and have the vehicle towed to the dealership. The tow is covered by roadside, and the repair is covered by the VSC. A rental is provided. Peace of mind and avoidance of stress continue for you and your customer.

Ad Loading...

Remember, you’re not just selling products, you’re selling an ownership experience. 

Lloyd Trushel is a co-founder of The Consator Group.

Subscribe to Our Newsletter

More F&I

Man holding magnifying glass over sales volume paper.
F&IMay 29, 2026

Why Your F&I PVR Is Misleading You

Here’s a handy checklist of the numbers to track in 2026 instead.

Read More →
Photo of woman typing on a laptop as she sits on a couch
F&Iby Hannah MitchellMay 29, 2026

Auto Consumer Anxiety Presents Opportunity

A survey of U.S. drivers found the majority are concerned about finances and the economy, but those fears make many ready to buy vehicle-protection products.

Read More →
Dustin Gingerich standing on stage giving a presentation
F&Iby Lauren LawrenceMay 28, 2026

Humble and Hungry: 12 Rules for an F&I Life

Dustin Gingerich, with a decade in the F&I business under his belt, shares his thoughts on leadership, building trust with customers, and the importance of learning and innovation.

Read More →
Ad Loading...
Photo of businessman's hands resting on files on a desk
F&Iby John TabarMay 27, 2026

Focus on the Opening

F&I managers must learn as much as possible about their customers, starting before they walk into their offices. The bulk of today’s consumers expect that, and good results will follow.

Read More →
Photo of a three-seat vehicle back seat
F&Iby Hannah MitchellMay 22, 2026

F&I Reaches for the Sky

The increasingly important profit center continued making gains in the first quarter, according to StoneEagle data, ancillary products proving more popular as consumers hold onto their buys longer.

Read More →
Cover image for a BOK Financial report titled “Timing the market: How avoiding volatility entirely can hurt long-term reinsurance program performance.” The image shows several road construction barricades with flashing amber warning lights lined up in a nighttime work zone. Beneath the image, red text explains that avoiding volatility can mean falling behind inflation and missing market rebounds that drive long-term surplus growth. The BOK Financial logo appears at the bottom right.
SponsoredMay 8, 2026

Timing the Market Can Hurt Long-Term Program Performance

For dealer-owned reinsurance entities, avoiding volatility entirely can mean falling behind inflation and missing market rebounds that drive long term surplus growth. Missing just a handful of strong market days can materially impact cumulative returns—an important reminder for long horizon trust and investment strategies.

Read More →
Ad Loading...
Ryan Ruff, The 90/10 Rule, Automotive Training Academy, Sales Series
F&IMay 6, 2026

The 90/10 Rule

In this video, Ryan Ruff explains the rule that elite sales professionals use to turn ordinary conversations into unforgettable customer experiences.

Read More →
Photo of essential oil diffuser on desk next to laptop
F&IMay 4, 2026

Your Office Is Talking

What’s the atmosphere saying about you to your customers? You can make minor adjustments and additions that transform your space into one that creates trust with the people on the other side of the desk.

Read More →
"Effective training ensures the customer’s needs remain at the heart of everything we do. When that is the focus, both sales and profits naturally improve." by Rick McCormick with F&I and Showroom logo and picture of Rick McCormick
F&IMay 1, 2026

F&I Training Fundamentals

How can auto dealerships help F&I managers fulfill their vital role in the most effective ways? Industry expert Rick McCormick shares his insights on the best ways to train these professionals and help them maintain good habits.

Read More →
Ad Loading...
Photo of car tire and the tread mark it left in snow
F&Iby Hannah MitchellApril 29, 2026

Not Just Any Tire Will Do

More consumers and businesses are opting for all-season options for various reasons as safety, sustainability and convenience push practical change.

Read More →