I think the guy in the Saturn commercial said it best, as the other car dealers tried to beat the Hyundai Assurance Plan (I think Ford is winning right now offering 12 months car payments- though you could have easily gotten an unemployment loan insurance rider for 36 even before all of this):

Lose your job and your car in the same day- that's pretty much the worst day ever.

I still find the whole thing funny- why not just advertise the same insurance that most credit cards offer at a rate of 89 cents per hundred dollars borrowed?

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Maximum jobs, not maximum profits.