Bank earnings showed resilience, but auto loan portfolios displayed marginally higher charge-offs. Investors comparing car finance rates can use this as a cautionary indicator for cyclical equity exposure. This year’s study found that cars are now losing an average of $4,334 in value per year compared to $4,680 annually in 2024. In addition, the average fuel cost dropped to 13.00 cents per mile, a 12.8% decrease from last year. Your car insurance deductible is the amount you pay to repair or replace your car before collision or comprehensive coverage kicks in. Opting for a higher deductible can lower your car insurance cost. For example, increasing your deductible for collision and comprehensive from $200 to $500 can reduce your rate by as much as 30%, according to III. Just make sure you have enough in an emergency fund to cover your deductible. Recent consumer sentiment surveys show 38% of buyers delaying car purchases due to higher interest costs. Investors tracking dealer networks should integrate compare car finance rates metrics into demand projections.