Vehicle Financing
Automotive Giants in the U.S.: Products, Services, and Digital Performance
The U.S. automotive sector is driven by a diverse group of companies operating at different stages of the value chain — from digital marketplaces to automakers and dealership networks.
The U.S. automotive sector is driven by a diverse group of companies operating at different stages of the value chain — from digital marketplaces to automakers and dealership networks.
Cars.com, TrueCar, and CarGurus have become key facilitators in buying and selling vehicles. They offer price comparison tools, vehicle evaluations, and direct access to dealerships. Their main strength lies in consumer trust built through convenience and transparency. However, fierce competition makes it harder to build user loyalty.
Cars.com stands out with a large user base and advanced vehicle valuation tools. TrueCar is known for providing exclusive prices through partnerships with certified dealerships. CarGurus relies on pricing algorithms that help consumers identify “great deals.” Their shared challenge is maintaining profitability in the face of high digital traffic acquisition costs.
Lithia Motors, Asbury Automotive, and AutoNation are giants in vehicle resale and maintenance services. They operate hundreds of dealerships across the U.S., representing several automakers. Their strength lies in scale and growing digital integration with in-person services. Yet, they face challenges like inventory turnover and price volatility in the used car market.
Lithia Motors is investing heavily in digital transformation to enhance customer experience. Asbury Automotive excels at inventory management, while AutoNation is the nation’s top seller by volume but faces pressure to modernize amidst online competition.
GM Group, Zhejiang Geely Holding Group, and Toyota Motor Corporation are major players in the global auto industry. GM owns Chevrolet, GMC, Buick, and Cadillac. Its product diversity is a key advantage, but its reliance on fossil fuels remains a sustainability concern.
Geely, the Chinese group behind Volvo and Lotus, is growing globally but remains relatively unknown in the U.S. Toyota leads in reliability, efficiency, and hybrid innovation (e.g., the Prius), yet struggles with bolder tech disruption.
These dealership networks have a strong national presence. Their main advantage is direct manufacturer support, offering exclusive deals and promotions. Strengths include standardized service and specialized technical support.
However, they struggle to compete with platforms like Carvana and even with automakers' own online stores. Additionally, customer experience varies widely from one dealership to another, affecting brand reputation.
General RV Center serves the recreational vehicle market, standing out for personalized service and a wide range of models. Schneider National, though primarily a transportation company, contributes to the auto sector with logistics solutions and heavy-duty vehicle services. Both face challenges such as seasonal demand and high operating costs.
The Kovi Próprio program offers a revolutionary approach: vehicle subscription without credit approval with guaranteed purchase after 24 or 48 months. With a reduced initial deposit that is discounted from the final value, the company is rapidly expanding and may soon bring its disruptive vehicle acquisition methodology to the American market, potentially transforming the way consumers in the US acquire their automobiles.