#GapInsurance

“Character is what you do when no one is watching.” This quote, ascribed to John Wooden, C.S. Lewis, and others, is doubly true when it comes to the oft-reviled profession of automotive sales. Any dealer can be “ethical” when they are facing an informed consumer with money, credit, the ability to hire counsel, and the self-confidence to fight for own interests. I’ve had plenty of trouble-free transactions with dealerships that had well-earned abysmal reputations for ethics. Hell, I’ve even managed to buy some new motorcycles over the years without getting raked over the coals too hard.

You can’t judge a dealer based on how he treats a middle-aged white guy with a spotless credit rating, a laptop full of information, and a thorough knowledge of the laws in his state regarding new-car sales. That would be like the Misfit having a good opinion of the grandmother in the Flannery O’Connor tale. Rather, you judge a dealer by how he behaves when there is nobody of consequence looking. Given a dark-skinned female customer with a decent co-signer and some down payment money but no genuine idea of how the process works, how much advantage will a dealer take?

The answer might shock you, as they say — but it probably won’t.