Gain a deeper understanding of how insurance policies work, the importance of timely roof inspections, and the evolving market for classic cars. We answer listener questions on these topics, ensuring that every car enthusiast is equipped with the right tools for managing their vehicle-related endeavors efficiently.
SPEAKER 03 :
It’s 106 miles to Chicago. We’ve got a full tank of gas. It’s dark, and we’re wearing sunglasses.
SPEAKER 16 :
Hit it.
SPEAKER 20 :
Our lady of plastic acceleration, don’t fail me now.
SPEAKER 05 :
It’s time for Drive Radio, presented by Colorado’s select auto care centers.
SPEAKER 04 :
Bop-a-da-bop!
SPEAKER 05 :
Whether you need help diagnosing a problem, or just want to learn about all things automotive, then you’ve come to the right place. So start your engines, buckle up, and get ready to ride. Drive Radio starts now on KLZ 560 The Source.
SPEAKER 18 :
All right, Drive Radio, KLZ 560, thanks for joining us today. We appreciate it very much. Myself, Steve Horvath, Geno’s Auto Service with us. He was with us through Fix-It Radio, so thank you, Steve. Good morning. Good morning as well. Larry Unger, by the way, answering phones on the other side of the glass, so if you’ve got a question, give us a call, 303-477-5600. Larry will get you all dialed in. Josh and Justin, both from Legacy Automotive and Ridgeline Auto Brokers. Guys, welcome. Good morning. How are we doing? Good. Drive down okay?
SPEAKER 19 :
Oh, yeah.
SPEAKER 18 :
Awesome. And, of course, Paul Leumerger with us. He was with us during Fix-It Radio. Those of you that have insurance questions, which always come up, if you’ve got any question at all when it comes to insurance, please give us a call, 303-477-5600. For example, we just got a text message in, my American National Insurance expires in May. When should I call Paul? Don’t want to wait until the last minute. So, Paul, what’s the answer?
SPEAKER 16 :
We’ll probably get with you end of March.
SPEAKER 18 :
Okay.
SPEAKER 16 :
We’re trying to get with people about 40, 35, 40 days out so we can time it right. So what we’ve been doing is if you’re May 1st, we’re getting people switched over about three to four days before. You’re usually double covered for about two to three days. Let that home non-renew. And then if we’re moving everything, get the autos canceled one day after the home non-renewing. And then move it on and you’re done.
SPEAKER 18 :
Okay. Also, and this is a great question, by the way, because this is one that I talk to Dave Hart from Roof Savers of Colorado on all the time. Also, my roof could be replaced. I bought the house in 2010. It has a 50-year Class 4, and the roof was certifiable or certified, I should say. But now there is some hail and wind damage. Should I file a claim with American National or just get my rebate check and move on? I don’t want a new company to say that the roof isn’t insurable and have to deal with that also. What’s your thoughts there?
SPEAKER 16 :
Let’s get somebody out there next week to look at it.
SPEAKER 18 :
If you’re listening, let me know, by the way, through text message that you’re listening. And I would call Dave Hart, Roof Savers of Colorado. Get him out and take a peek at that roof and determine exactly where you’re at. And for those of you that want… His number, by the way, Roof Saver’s number, it’s 303-710-6916. So if you texted me, please let me know that you heard that. Call Dave first. He and Paul, by the way, know each other very well. So get that roof looked at prior to doing anything else, and let’s get that taken care of before you do anything else to make sure that you’re all dialed in and we get all of that. By the way, good questions because those are things you need to get dealt with right now before you do anything else on down the road.
SPEAKER 16 :
Yeah, let’s have him look at it on Monday because the rebate means nothing.
SPEAKER 18 :
Exactly. In that particular case, you may want to go ahead and take care of that on the front side. So thank you. That was a great text message coming in as well. And that’s the kind of stuff, by the way, with Paul being here, we can answer 303-477-5600. Or like this particular situation, you can text us that question, and we’ll answer it that way as well, 307-282-22.
SPEAKER 16 :
Can I just say, because we’ve done that for about six people so far to where we’ve – got the roof looked at, got a claim filed, knowing that we’re going to be switching them, and we’ve been getting the roofs done at the same time we’re getting people switched. Because that question is right, because if we’re getting people switched and we’ve got Hartford going out looking at that roof and the roof’s not adequate, we’ve got issues, and I don’t want issues.
SPEAKER 18 :
Okay. Somebody also, we talked about this in the last hour, and this is a text message that came in. Paul mentioned something about a longevity discount. Can you explain that better? Go for it.
SPEAKER 16 :
It just goes with questions that these other carriers ask is, how long have you been with your prior insurance company? And they can pull reports that show one to three years, three to five, and then one to three, three to five, and six on. So there’s breakdowns on discounts. So when you’re zero to one, you’re not getting the full discounts. So when you’re a shopper, they know you’re a shopper, so you’re not getting the full discounts.
SPEAKER 18 :
Another question came in really quick. What about class four concrete tile roofs? How does that compare to, you know, composite shingles and so on when it comes to the insurance side?
SPEAKER 16 :
Most companies don’t do the discounts for the class four anymore. Okay. I mean, there’s some that do, but they’re not big discounts. I mean, they’re discounts, but not huge. There’s going to be discounts for asphalt shingle roofs. There’s discounts for tile roofs, but that’s going to be just the breakdown. Okay.
SPEAKER 18 :
Okay. Good to know. All right. Mike, go ahead. Go ahead. You’re up next, Mike.
SPEAKER 07 :
All right, fellas. New show, new question. Yep, there we go. There’s 2005 Cadillac XLR. A friend of mine, my attorney, asked me to go out with her. Her brother found it. He’s back in Wisconsin at a shop here, a used car place in Denver. 61,000 miles. on its black-gray leather, da-da-da. So we went out and took a look at it. You know, it wouldn’t start. It wasn’t on a trickle charger. That doesn’t bother me. But the hardtop convertible, they said the hydraulics were out. That would take a couple of grand to fix, they said. You’d probably have to do that. I was, that’s the question. I think with something that old, do they still make the parts for that? Or do you end up searching for a wreck in a junkyard? And what would that You know, I don’t expect you to know any kind of exact numbers, but any ballpark on what that might take to repair.
SPEAKER 19 :
Yeah, I think it’s going to be hit or miss. You’re going to be looking in the junkyard. You might be able to find some old stock lying around. And I think two grand is kind of on the light side because they’re a bear to get them right. So, you know, once it’s moving, there’s more adjustments than you can imagine to get that hardtop to do what it’s supposed to do. Yeah.
SPEAKER 07 :
That doesn’t surprise me.
SPEAKER 19 :
And finding a guy who can do it right, too, because it’s going to take three. You’re going to need somebody really good at it. Yeah, who really knows them, yeah.
SPEAKER 07 :
Grand, I just, I just, boy, yeah, right, okay. You’re the salesman. I don’t want to hear about that.
SPEAKER 19 :
Right. I don’t think there’s much on that car that’s just a Grand. Not that type of car. No, not that type of car.
SPEAKER 07 :
It also had the classic, what I call the classic front-wheel drive. where nobody cleaned the brake dust off the wheel and the corrosion ate all the finish off them. Wow. And I always have to laugh, fellas, as you know this very well, John, everybody. We all see cars driving around that go through whatever kind of car wash. and the front wheels are always black. That tells me two things. They never rotate the tires, and they never clean the wheels.
SPEAKER 18 :
Correct. You are correct.
SPEAKER 07 :
That’s what I wanted to know. That helps a lot. We’ll see what he tells me. I don’t know if he’s going to be interested in
SPEAKER 18 :
in buying it but i did get a chance those are pretty i mean the one advantage that car has is they’re holding their value pretty well i think they’re going to continue to go up in value but you still got to consider all the things it takes to get it up to speed as well you know and or adjust the price accordingly mike yeah no i agree and i talked to steve i talked to your shop about it after i visited and i said you know would you guys go through it because i asked them
SPEAKER 07 :
I said, can I take it to a mechanic? Or rather, I said, will you take it to the mechanic I want?
SPEAKER 18 :
There you go.
SPEAKER 07 :
And they said, sure. And I went, whoa, okay.
SPEAKER 18 :
Be a fun car to own.
SPEAKER 04 :
Yeah, no, it’s, you know… I don’t know if I’ll be able to tell you anything about that top, I’ll be honest with you. I don’t know much about that.
SPEAKER 07 :
Anyway, okay, thank you, fellas.
SPEAKER 18 :
You’re welcome, Mike. Appreciate you very much. And that’s an example, and we can get into some of this if we have time today, that’s an example of where there are… Always certain cars that you can buy that do go up in value depending upon what you have to invest in them and, you know, the maintenance of and so on. And typically cars are a depreciating asset. They’re actually a liability if you really want to get down to it. It’s typically what they are because they’re costing you money every month to own, meaning it’s a liability. rarely you can find some cars like he just mentioned to where if you buy that car right and you hold on to it and there’s some early pickup trucks now and and four-wheel drive uh you know for example blazers broncos things like that where depending upon the vehicle even early ram chargers now are starting to bring more money scouts that back in the day were absolutely junk and you couldn’t get 500 out over now bringing money so there are vehicles out there that depending upon what it is can actually increase in value. But typically speaking, cars are what we call depreciating assets. I call them liabilities because typically at the end of the day, you’re not gaining any money on it. And depending upon the car and how you care for it, you may be able to maintain its value or not have it drop any further down. And depending upon the car, sometimes you can wait long enough to where it will start to go back up in value. The problem with that is no one has a crystal ball. So trying to guess what cars are going to go up in value down the road, it’s kind of a crapshoot, although you can take some educated guesses. Typically cars, even now, if it’s a low-production car, they’re not making a lot of them. Now, typically you’re going to pay more for that car on the front side, but those are the kind of cars that typically down the road will bring more money. For example, this is a car I’m not sure anybody thought was really going to go up in value, but if you bought a 2017, 18, 19 ZL1 Corvette, or a ZR, I should say, a Corvette, and kept that car till today, that car back then was about $150,000 or so is about what you could pick that car up for back in the day. And that car today, believe it or not, if it’s kept nice and fairly decent miles, they’re bringing $200,000 plus, in some cases almost $300,000. So that’s a car that, had you bought that car and kept it nice and done the right things with it, that’s a car where you would have made money on that particular car versus some of the other cars of its type.
SPEAKER 04 :
What was the reasoning for that? Is it just a last production?
SPEAKER 18 :
Low production on those cars always has been. The new one will be the same way that they’re coming out with, and I think just the simple fact of the car being, again, fairly low production, high horsepower, it’s in demand now because guys that, What made it in demand, by the way, because they didn’t really jump up in price until the new one was just announced. The C8 version of that was just announced. And those cars are going to be, even though they’re having a retail price of about $170 or so, $160 to $170, the way that’s working currently is dealers are asking for several things because they can’t technically sell it for over retail price. Chevrolet’s not allowing them to do so. But what they’re now asking you to do is some around… How should I say this? They’re kind of backdooring how they’re getting a higher price out of it. In other words, you’re going to donate X amount of money to this particular charity of our choice, and it’ll be $50,000 or it’ll be this or it’ll be that. And there’s all sorts of things that they’re doing to get more money out of said car than what the actual retail price is. So, yeah, they’re working that every way they can to bring more money. And most of those are going to probably bring, I’m guessing, somewhere in the mid-twos is probably where those cars are going to come in at if you can actually get one. So, anyways, food for thought. We’ll be back here in a minute, guys. Any questions you’ve got for us, by all means, let us know. Insurance especially. New car, used car purchases. What to do with a new car, used car purchase. How to handle something even privately. We’ve got the experts here from Ridgeline that can answer that. Steve from Geno’s with us as well. We’ll be right back. Drive Radio, KLZ 560.
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SPEAKER 18 :
All right, we are back. Drive Radio, KLZ 560. Also, don’t forget, Tri-State Swap Meet is this weekend. A lot of you might be on your way there or might actually be there now as we speak. Some of you are looking for some of those more hard-to-find parts. And some of you listening where you’ve got an older vehicle where you’ve always wondered, hey, where do I buy such and such? It’s not a bad place to go to try to find some of those things, and or if you don’t have a booth space rented, you can still try to peddle some of your own items to some of the people that are there, depending upon what it is you’re trying to peddle. And it’s an interesting show. You’ll see a little bit of everything there from people that have new stuff they’re trying to sell to old stuff they’ve cleaned out to people that probably had estate stuff and everything there. In between, and it’s at the National Western Complex, and typically it’s in that – well, actually, they fill up most everything. They’ll even put some cars and stuff over in the other side of I-70. And I’ve not been for a couple of years, so I don’t know exactly how much stuff they’ve got. But they’ll even have some cars on display and do some things along those lines. So if you get a chance to go out there, by all means – So check it out and enjoy. Okay, before we go any further, too, one thing that I wanted the guys from Ridgeline to talk about is you, and I talked about this week, you guys have a particular car that typically you don’t have that you’d like somebody to buy, and there’s people that are listening that might actually be interested in that car. So it’s a Challenger SR, no, not an SRT, a Challenger Scat Pack, which is not an SRT but one step down from.
SPEAKER 19 :
Right.
SPEAKER 18 :
So talk about that car for a moment. Well, Justin’s driven it.
SPEAKER 19 :
I haven’t touched it because I’d get in trouble.
SPEAKER 12 :
You know in the motorcycle world how they say it’s more fun to drive a slow bike fast than a fast bike slow?
SPEAKER 11 :
Uh-huh.
SPEAKER 12 :
This car’s almost kind of like that. At 80 miles an hour… It’s not even moving. And this is a sweet car. Black, red suede interior. It’s pretty. It’s beautiful. It is. It’s a very nice car. Somebody’s kept it very nice. Oh, yeah. I mean, this thing’s almost brand new in the wrapper. So 21,000 miles on this car. Okay. And we got it priced fair, too. It’s priced at $43,000. Okay. Bought a car for $43,000.
SPEAKER 18 :
Yeah, and for those of you that may be – by the way, that’s one of those cars that depending upon what happens down the road, and it’s not a car that immediately is going to appreciate, but could that car appreciate on down the road? Yeah, actually, that’s one of those cars that because of what it is and the way that it’s put together and the fact that it’s – there’s not a lot of others around like it. It’s sort of like a Hellcat, those sorts of things. This is not on the Hellcat level, but – appreciation wise you may very well be able to buy this car and see it appreciate if you keep it long enough so it’s one of those types of cars as well because there’s just not that many of them around am i right and saying it that way guys very true it’s a four-door yeah that’s interesting it’s a four-door i just look at the picture of it that’s pretty cool kind of call those the sleeper so if you if you do that car right and you know outside of the red brembo brakes that somebody next to you might see other than that you don’t really know what that car is you would never know yeah And just one little badge on the back. Until it flies past you. And they run. They run extremely well. I can’t remember horsepower on those, but it’s the 400-plus horsepower I want to say. I’d have to go look that one up to be specific.
SPEAKER 12 :
It’s on the website if anyone wants to take a look at it.
SPEAKER 18 :
It’s a great car. No, I’m looking. If you’re interested in that car, RidgelineAutoBrokers.com is the place to go. Now, here’s a question for Paul to kind of add into that. Those types of cars, when it comes to insurance, how does that work? Because you always get that question, and I kind of assume that the younger you are and the more problems you’ve had with the law, the higher the price is, whereas if you get to be an old guy with gray hair and you’ve had no issues, it’s probably not as much.
SPEAKER 16 :
Yeah, because you can insure those more as a classic car with an agreed value. A lot of the companies, if you’re 25 years and younger, they’re just going to insure those as daily drivers.
SPEAKER 18 :
And your price is going to be much higher.
SPEAKER 16 :
Oh, a lot higher.
SPEAKER 18 :
Because you’re a little higher risk, right?
SPEAKER 16 :
Yeah.
SPEAKER 18 :
Where us old guys don’t drive much.
SPEAKER 16 :
You put a car cover on it, put it in the garage, and forget about it.
SPEAKER 18 :
Yeah, those things happen as well, meaning that your insurance costs aren’t near as much. And I guess that’s the other question that some of the folks out there probably have, some of the guys that collect cars and so on, is when you’ve got a car that you know you’re not driving a lot, how do they do the insurance on that? How does that work?
SPEAKER 16 :
On stuff like that, you just put an agreed value on it. And it’s pretty much just… It’s not restricted use, but it’s kind of more of a pleasure use vehicle. So then you’ve got, you know, maybe a daily driver, you’re looking at $400 every six months. In a car like that, you’re looking at $300 a year.
SPEAKER 18 :
Okay. So that’s how they…
SPEAKER 16 :
Kind of like a Camaro or Chargers.
SPEAKER 18 :
Because they just know that that car, the risk factor, given the fact you’re not out on the road with it much, and the reality is it’s probably your baby, so you’re going to do everything possible to make sure something doesn’t happen to it, you’re at a lower risk than a daily driver even.
SPEAKER 16 :
Yeah, like classic car insurance.
SPEAKER 18 :
Okay. So again, for those of you listening, that’s one thing, too, that should mention with Paul that, you know, he’s always done the classic car end of things. In fact, that’s how he and I first met and got together was more on the classic car end of things through, you know, a lot of the connections that we have, my dad and uncle and so on. And so that’s where a lot of that started from. And then, of course, that graduated into, you know, Paul really taking care of everything that I do, house and so on. Reality, you can still do all the classic car stuff the way you always have. That hasn’t changed, right?
SPEAKER 16 :
No, it’s still all the same to where we can do motorcycle. It’s everything.
SPEAKER 18 :
Okay. If it moves, you can do it.
SPEAKER 16 :
Yep.
SPEAKER 18 :
And then the one thing you’ve added since going to the broker side now is you can also do business insurance and things along those lines if people need that as well, right?
SPEAKER 16 :
Yeah, we’re going to really start to tackle that next year once we get all these people moved over because that’s kind of… It’s another avenue. Yeah, but the goal right now is just to take care of what’s in front of us right now.
SPEAKER 18 :
Okay. And we talked during Fix It Radio on that. If you guys are with American National Insurance right now and you’ve received any kind of a letter on your rebate program, the cashback program, it makes it sound like they’re doing away with that, which they are, but the real truth is… they’re not going to renew your policy on your home. You can keep the autos if you want, but they’re not going to renew your home policy. So it makes it sound like they’re just doing it with cash back. So people are calling or they’re going out finding other insurance because of that. When in reality, your insurance is good all the way till your end date. You’re just not going to get renewed, right?
SPEAKER 16 :
Yeah, you’re just not getting renewed on your renewal date. But what they’re doing with the cashback is when you get to your renewal date and your home non-renews, your cashback is going into a lump sum payment as long as you’re still in the cashback program and you’re getting one more check and it ends up being 85% of 25%, 60% of 26%, and 20% of 27%. So people are thinking they’re just getting kicked out of the program, canceling their policies, when in reality they’re getting one more check instead because cashback’s gone away, but those letters are just so poorly written. They think they’re done, but they’re really not.
SPEAKER 18 :
Okay. So, again, for those of you listening, if you have a question for Paul, or any of us for that matter, Justin, Josh, or Steve, give us a call, 303-477-5600. Okay, before we move on, this is a question I wanted to throw more at Josh and Justin, because I talked about this a little bit yesterday on The Daily Show. And you guys are out there, especially those of you guys that drive diesels and so on, because the way algorithms and stuff work, when you start looking at certain videos, certain things get pushed your way. It doesn’t matter what platform you’re on. It’s just the way they do things. It’s the way those companies work. They know their targeted viewer, I guess, is the way to say that. And I have seen some of these, and it bothers me because it’s total misinformation. I talked about some of this yesterday, but you’re going to see some folks out there And some of these guys are quote unquote influencers. And I think they’re very wrong in what they’re doing, by the way. But they’re coming out claiming that with a new administration, Donald Trump taking over, that he has somehow given EPA the green light that if you want to delete your diesel truck. take off EGR, take off your emissions devices, reprogram it and so on, that that’s all somehow OK now because Donald Trump has taken over. And I will tell you guys listening, nothing and I mean nothing could be farther from the truth. I have not seen one thing come out of any executive orders or anything from the White House. And I track that stuff literally on a daily basis, as you guys all know, because of what I do during the week. And the reality is I haven’t seen a single thing. Along those lines, and I will tell you that an article that came out this past week about the state of Colorado and what’s going on with our emissions program, they are tightening things up. I’ll talk about some of the mobile, not even mobile, they’re going to be doing some self-inspect work. emission stations in the not too distant future but the bottom line when it comes to diesels is they are not doing away with anything along those lines inspecting facilities that do deletes etc so if you’re seeing some of these videos number one they’re completely false they’re wrong These influencers, by the way, should be shut down because they’re giving out totally misleading false information, unlawful information, by the way, at the end of the day. And just to reiterate, I haven’t seen one single thing out there claiming this administration is going to turn the other cheek, if you would, or look the other way when it comes to these things. Josh, Justin, have you heard anything other than what I’ve just said?
SPEAKER 19 :
No, what you said is exactly true. Okay. I don’t see how they’re going to do it. Plus the state. Like you just said, the state is getting tighter and tighter on diesel emissions. And it’s an easy target because people see you rolling coal. Nobody likes to have coal rolled on them. Right. And it’s easy to have the state come after those. Easy pickings. Easy pickings.
SPEAKER 18 :
And then pretty soon what they do is they figure out who did that for you. If you didn’t do it yourself, somebody else most likely did. Okay, what shop was that? And if you don’t think they have the ability to find that stuff out, trust me, they have the ability to find that stuff out. And here, even in the last year, there have been some owners of shops that have done that that have gone to jail. And I’m not exaggerating when I say that. They literally have paid fines and gone to jail. Right, Josh? Yeah, very true. And I’m not joking when I say that.
SPEAKER 19 :
Yeah, we don’t touch that stuff with a 10-foot pole.
SPEAKER 18 :
Nor should you. We don’t go near it. No, nor should you. And some of you that are listening, you may want to do that on your own. Here’s what I’m going to say. Buyer beware, and you’re at your own risk. Because you could very well have problems down the road from doing so. And no, this administration has not turned a blind eye to that, as much as someone on social media might make it think they have.
SPEAKER 12 :
So I like the timing of this question. I got an email this morning from Cobb Tuning. I owned a 2015 Subaru WRX, so yes, we’re talking the gas side of this.
SPEAKER 11 :
Okay.
SPEAKER 12 :
Cobb sent me an email this morning about the equipment that I put on that car. I no longer own that car. How the equipment on that car is now not legal in my state. They said they’re not going to service it. They said I’m not allowed to call them and ask them about anything about it. Both the access port that I had for that car and the downpipe was not CARB compliant. And they said they are no longer selling it or servicing that stuff. So even on the gas side… They’re cracking down on all of this.
SPEAKER 18 :
Okay, so thank you for verifying everything that I just said. All right, hang tight, guys. We’ll come right back. Dell, hang tight. We’ve got more lines open, 303-477-5600. This is Drive Radio, KLZ 560.
SPEAKER 03 :
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SPEAKER 16 :
No.
SPEAKER 18 :
Not that I know of. Okay, perfect. Dell, you’re up next, sir. Go ahead.
SPEAKER 09 :
Hi, John. How are you doing?
SPEAKER 18 :
I’m great, Dell. Thanks for calling.
SPEAKER 09 :
This calls for Paul. I’ve got a 2013 Stallion motorcycle. It’s a trike. They only built 1,000 of them. There’s only 1,000 in existence, period. If you Google Stallion motorcycle, you’ll pull it up. What kind of insurance should I put on it?
SPEAKER 16 :
I can look into the vintage side of it. And look at more of an agreed value?
SPEAKER 18 :
Yeah, what do you think? Well, I think you would know what it’s worth.
SPEAKER 09 :
What’s it worth, though? The original value is right at $40,000.
SPEAKER 18 :
Yeah, then you’d want to insure it properly as far as that goes.
SPEAKER 09 :
I would anyways. From 2008 to 2013, they only billed 1,000 of them.
SPEAKER 18 :
Yeah, that’d be one I’d want to do stated value on, Dale.
SPEAKER 16 :
Yeah. Who’s it insured with now? Pardon? Who do you do the insurance with on it now?
SPEAKER 09 :
State Farm, but it’s just regular insurance.
SPEAKER 16 :
Yeah, if you reach out to me, I could kind of do some research and figure out who we could use that, insure that with.
SPEAKER 09 :
Yeah. Because, like I said, it’s fat. I mean, it’s powered by a 2300cc Ford with a 5-speed automatic and a 410 pop.
SPEAKER 18 :
Yeah. Yeah. No, that’s one I would insure properly, Dale. Yeah. Yeah.
SPEAKER 09 :
Okay. I’ll give you a call next week.
SPEAKER 18 :
All right. Del, appreciate it. And you know Paul’s number, so just give him a jingle, and he’ll take care of you that way. Question, this is probably more for Josh and Steve. A gentleman listening to us up in Billings. Thank you, by the way, for listening all the way up there. He drove from Buffalo, Wyoming, and picked us up all the way up there just via regular radio, so thank you for listening. 2025 non-hybrid Tundra, are they still having engine problems with those? Any ideas?
SPEAKER 04 :
I heard something about metal getting in there. Yeah. I heard something, but I’ve not seen it.
SPEAKER 18 :
I think they’re still having some warranty issues. That was on 2024. I’m not sure on the 2025s. Yeah, I… Truthfully, this is my thought on that, and I’m sorry, Toyota, because I think you’ve always built very good vehicles, reliable and so on. But right now, with all of what they’re going through on those particular engines and what they’re doing and so on, just knowing what the warranty work is going to be like in the shops until they get that recall done, I’d stay away from it just because getting anything else done is going to be tough. Great. Am I on the right track, Josh?
SPEAKER 19 :
Yeah, I mean, I would hope they have it fixed for 2025, but it’s still kind of a wait-and-see situation on those since they’re relatively new. I did hear, this is an interesting one, that if it’s a non-hybrid, it gets a long block. If it’s a hybrid, it gets a short block. interesting because then the theory is now i don’t know i haven’t proven this out like you know i have hard proof but this is the theory out there that because with the hybrid you can get it off the road if the engine fails the hybrid system will let you move for a little bit or the other one won’t right you’re stuck interesting hmm that’s kind of scary doing a short block because it’s it’s metal that’s getting through there it’s going into the top going everywhere top of the engine
SPEAKER 04 :
Did they ever say what their metal’s coming from?
SPEAKER 18 :
It was in the machining process when they built the engine originally, yeah.
SPEAKER 04 :
Like in the borehole or something. They didn’t get it cleaned.
SPEAKER 18 :
They didn’t get it cleaned out good enough. Oh, my goodness. Something happened along those lines. Their step-by-step process, something was missed in that some way, somehow, or there was a flaw with how they were doing it. I mean, who knows what. That’s probably what they’re trying to investigate right now and try to figure out what’s happening. But that’s very costly to them. Now, by the way, as a side note, and I say this every single week, and I mean this— Is there a perfect vehicle? No. Every manufacturer. I get the recall list from the National Highway Traffic Safety Administration every Monday morning. And as I read through that list, no one is exempt from having recalls. You will see everybody on there from BMW, Mercedes, Volvo, Porsche. You’ll see everybody on the RV side, trailers even. Of course, all the domestic manufacturers, Toyota, you name it. Nobody is exempt from having something on that list. And as I say this, I want to make sure everybody understands this because I still think this is a misconception out there. All of the vehicle manufacturers minus a few of the hand-built cars, Rolls-Royce and so on, even they’ll have recalls occasionally. But by and large, these manufacturers, frankly, are mislabeled. Because they’re not a manufacturer. They are an assembler of parts that are hitting the assembly line just in time delivery, they call it. They are taking parts that, by the way, some of the manufacturers, let’s take Bosch, for example. Bosch will make parts for all cars. Not just European, which is what they used to do, but all cars. You can look at Nippon Denso. You can look at Delphi. You can go down the list of all the different companies that are out there. We saw this with the Takata airbag recall that literally affected almost every single vehicle out there. in that time frame that we had the recall for the Takata airbags. So the reality is they are assemblers that are working off of RFPs, which are requests for proposals. They put contracts together with their vendors to build X part, and there are a few things that the manufacturers still build. In most cases, they’re building the unibody. It’s not even a chassis anymore, but the unibody they’re building, because the chassis is even different, but the unibody they’ll build. The engines, in some cases, they’re building, and sometimes that’s a joint venture depending upon the car and what it is. Very few of them build their own transmissions, and the ones that do seem to have problems. Sorry, GM and Ford, but those of you that do your own, you seem to have more problems than those that don’t. Guys, am I missing anything that they would build themselves? Other than Tesla, Tesla builds its own interior seats and so on. Most don’t even build that. They’re using other companies that, for example, the owner of the, I believe it’s the Jaguars, he owns a company that supplies a lot of these parts to the industry. That’s where he made a lot of his money, his billions, enough to buy a football team. You get my drift. Rarely does the manufacturer build the entirety of the car. Steering wheel, seat belts, interior, glass, carpet, the dash, the gauges, the gauge cluster, the wiring harnesses. I can go down the list. They don’t make any of that. All of that is coming from somebody that supplies it to them. Now, in the case of Toyota and the engines and GM and their engines, those are manufacturing issues that, yes, they are responsible for because they’re doing their own engines. Now, even then, though, keep in mind,
SPEAKER 1 :
Thank you.
SPEAKER 18 :
They may do parts of the engine. And even then, rods are coming from a manufacturer. The crank is probably coming from a manufacturer. The roller lifters, the cam, go down all the internal components. Those are most likely not being made by them. Those are being supplied by a manufacturer to them. So even in that case, they’re building maybe some of the core components. Even the castings and stuff may very well be coming from somebody else. That may be the problem Toyota’s having. Somebody may have actually cast the engines. and done the cleaning, and Toyota thought, oh, yeah, these things are ready to go. And they’re not, of course, because of what we’re finding out. So, again, these are things where you have to really know internally what’s even going on inside a Toyota to even know are they casting their own engine. Probably not anymore. Most of them are not doing much other than stamping their own sheet metal products. And that’s about it. Tesla, by the way, to their credit, builds more of their car in America with their own parts that they make themselves than anyone else out there is. And I’m not exaggerating when I say that because he kind of got tired of some of what I’m talking about and the just-in-time delivery and so on and wanted to have more control over that. And he’s kind of a control freak anyways. So he went that route of designing some of that stuff and making it himself. But outside of that, all of these car companies are using components that are very – Similarly made. Now, I get it. You could have a higher quality leather on this car than the next car. But believe it or not, the same company might be building both seats. Okay? It’s just different specifications for that particular model of car. Josh, don’t worry. You’re laughing at me because that’s just how it works, right?
SPEAKER 19 :
Oh, yeah. I mean, back in the 90s, I worked in building wiring harnesses. So tell everybody your history and where you came from. I’m originally from Indiana, so that’s where all the other parts are made. And that company was actually a division of Packard Motorcars. Okay. But we outsourced to everybody. We’d build a harness for – they were just on GM there, so Bonnevilles and Cadillacs and all that on different lines. But, yeah, that’s where it all came from. And it was owned by Johnson Control, too. But it’s funny how – Johnson Control, who owns Exide Batteries and Interstate. Also, it’s part of Packard Cars and builds wiring harnesses for pretty much every manufacturer out there.
SPEAKER 18 :
It’s funny you say that because the other person we have on this program on a consistent basis, Roy Perez from ProTech Auto Shield, who does all of our PPFs, our paint protection film and clear bra, which is what that is, and window tint and ceramic coating and all of that. He came here legally from Mexico, by the way, for those of you that didn’t know that. Great story that he’s got, by the way, in coming here the right way and what he did business-wise and so on. But reality is when he was in Mexico, he worked in one of the Mexican manufacturing plants, much like what Josh worked on here in Indiana, because they were doing the same thing there that you were doing, and he’s got stories along the same lines.
SPEAKER 19 :
Yeah, it was pretty amazing, though, because I worked second shift, and all the stuff at the end of the shift would go on a truck and drive to Detroit, and they were putting the harness I built that night in the car on their second shift on the assembly line. So almost the same day. It was that just in time. We had a time where we had gone down for a bit, and they were literally flying an airplane in and loading it with harnesses to keep the line going up in Detroit.
SPEAKER 18 :
Because it was too costly for it to go down.
SPEAKER 19 :
Right, and they didn’t have time for the truck to drive between Portland, Indiana, and Detroit. Wow. And that’s not that far. It’s not that far.
SPEAKER 18 :
Amazing. Amazing. All right.
SPEAKER 04 :
I think Henry Ford’s turning over his grave. He made everything. He made everything. Yeah, he did.
SPEAKER 18 :
He did make everything, literally. That’s a good point, Steve. All right. We’ll be back. Questions for us, 303-477-5600. This is Drive Radio, KLZ 560. Napa Know How.
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SPEAKER 18 :
All right, we are back. Drive Radio, KLZ 560. Again, Paul Lundberger with us from our insurance sides of things. If you’ve got a question on insurance, please give us a call, 303-477-5600. Steve Horvath, Geno’s Auto Service, with us. And then Josh and Justin, both from Ridgeland Auto Brokers and Legacy Automotive in Boulder, Longmont, and Fort Collins. Somebody texted and said they heard that Toyota’s now having camshaft bearing issues on some of the early 2025 Tundras. And aren’t they essentially a Ford EcoBoost? Not really, no. I don’t know about the camshaft thing, but no, they’re not an EcoBoost. Totally different. Completely different motor. Not anywhere. That is one thing that they are very different on.
SPEAKER 19 :
Yeah, they’re just thinking the same displacement in twin turbo is why they think it’s an EcoBoost. But other than that, there’s no design difference. They don’t share any commonality at all, no.
SPEAKER 12 :
The funny thing about the whole Toyota thing right now is if you look at a 2022, 2023, 2024 4Runner that has the old school engine… They’re bringing a boatload of money. They’re bringing home for MSRP with 20, 30, 40,000 miles on them because everyone’s afraid of the newer engines that are coming out. Manufacturers keep trying to make everything lighter, faster. Mm-hmm. Sometimes you’re cutting corners.
SPEAKER 18 :
Well, and there’s always those growing pains like we’ve had. People forget this. In the early days of the overdrive automatic transmission, which General Motors and Ford both had versions of, both of them at that time having major issues where I grew up in that era. I can tell you that the majority of trucks that came out with the 700R4 transmissions, most of them got rebuilt. By and large, a few would get by not having to be rebuilt, not having any warranty issues with them. Not very many. I mean, I can tell you that in our case, we were just one dealership, that transmission bay pretty much did that transmission only for several years in a row, and I’m not exaggerating. You get a customer pay that would come in periodically for something else that needed done, a Turbo 350 or a 400 or something like that. But those automatics, it didn’t matter whether it was in a front-wheel drive car or if it was a truck, they had problems. And so it was growing pains at that time. Early feedback carburation, which then turned into fuel injection, a lot of those things had early growing pains. And I think what’s happening with some of the manufacturers today is, once again, some of the growing pains where they’re trying to use smaller displacement, still get the high horsepower and fuel economy out of it. They’re using variable valve, not just timing, but compression in the engine and so on. There’s a lot of things going on in the engine that we’ve never had before. And in turn, these are some of the things that come from that.
SPEAKER 19 :
And we’re lubricating with 016 or 017.
SPEAKER 18 :
I’m glad you brought that up, by the way, because I had somebody that sent me. Thank you, Josh, for saying that, because I had somebody send me a video yesterday where there’s a guy out on a like a farm or a construction guy and telling everybody in this video. And while I think the guy is very sincere and in his particular application, he could be right. but he’s basically advocating that you use fifteen forty diesel oil and everything he’s putting it in the hydraulics of his skid steers he’s putting it in all the engines he’s putting it in his ram truck he’s putting it in his over the road trucks he’s putting it in literally everything including his gas engine vehicles now In certain instances, that may be just fine. But his whole premise is you can use 1540 in everything, no matter what. Nothing, and I mean nothing, on modern vehicles could be farther from the truth. Am I correct, Josh?
SPEAKER 19 :
Yeah, very correct. And with the computer systems, I mean, we get codes all the time if you put the wrong oil in a lot of the manufacturers. Because it knows, you know, a lot of these cars have variable speed pumps so that if they need a lot of oil pressure and a lot of demand, yeah. So they’ll pump it up to over 100 PSI if they need it to do certain things, VVTI and all this related. Or if it’s just sitting there idle, they’ll let it go down to 35 because they don’t need to waste all that energy to have that kind of pressure just to sit there and idle.
SPEAKER 18 :
Right.
SPEAKER 19 :
So they’re able to also calculate what the viscosity is basically based on how much pumping loss they have. Yeah. And we get codes all the time. If they put the wrong filter in it or if we get the wrong oil in it, it’ll code. Turn on check engine light.
SPEAKER 18 :
So, again, by the way, and I told somebody that sent me that that I would answer that on today’s program. So there’s your answer, and I was going to get a little more detail on that. And I cannot stress this enough. This is including diesel trucks, gas engines, small, large, doesn’t matter. Whatever the manufacturer spec is for that particular engine, you must use that particular weight and spec oil for that particular unit specifically. Period. No questions asked. No replacement of, I don’t care what some old-time farmer has maybe told you, it doesn’t matter. You’ve got to keep things going that particular way. Tyler, you’re next. Go ahead.
SPEAKER 10 :
Hey, thanks for having me.
SPEAKER 18 :
Thank you.
SPEAKER 10 :
First-time caller, first-time listener.
SPEAKER 18 :
And you’re in Indianapolis? I’m in Indianapolis. Well, thank you for listening, Tyler. We appreciate it. I’ve got a real tall antenna that Tom picked me up.
SPEAKER 10 :
Thank you. I’ve got a 2007 Toyota Tundra. It’s got about 270,000 miles on it. Check engine light came on. And shortly after, the oil pressure gauge won’t go up. So I pulled the code, and it’s a camshaft position error. But here’s the weird thing. About 100 miles before the check engine light came on, I got my oil changed at a chain oil change shop known for their fast service. Okay. I’m kind of wondering if they’re correlated.
SPEAKER 18 :
Possible. On your invoice you got from them, did it tell you specifically what weight of oil and such that they used by chance?
SPEAKER 10 :
Probably, but I just didn’t read it, and I don’t even know where it’s at.
SPEAKER 18 :
I would try to pull that up. If you don’t have it, they’ll have an electronic copy, and I would try to get a hold of that. And here’s where I’m going with this, and some of you listening, pay attention. In some cases, certain shops will just say five quarts oil, oil filter. It’s very generic, and out the door it goes. Well, we need to be more specific, Tyler, because of the things we just mentioned before we started talking to you and how specific these engines have become when it comes to the type of oil we’re using. Yours included. Okay. Meaning that if it calls for 520, let’s say, and I’d have to look yours up to know exactly what it is, but let’s say if it calls for 520 and they put 530 or 1030 in it, that’s a problem.
SPEAKER 10 :
Yeah, it sounds like it.
SPEAKER 12 :
What about oil filter quality?
SPEAKER 10 :
That’s another one.
SPEAKER 12 :
And have we checked the oil level as well?
SPEAKER 10 :
The oil level is fine. Okay, good. I mean, that’s what was concerning when that oil pressure gauge would go up. I was like, oh, no. So, I mean, that was the first thing I did was to check the oil, and it’s fine. It’s clean. It’s where it should be.
SPEAKER 19 :
Did they get the filter on tight?
SPEAKER 10 :
Who knows? I have not checked it. I actually drove it or didn’t drive it. I had it towed into the shop, so I really didn’t want to turn it on when the oil pressure was going on. So I had it towed to the shop, and I haven’t heard back from the shop.
SPEAKER 18 :
And that requires 020, by the way. I just looked it up. Okay. So, again, if they put 530, 1030, whatever, that could be part of our issue. So I would backtrack a little bit, Tyler, on this one, and you can even e-mail me or text me during the week, and I can help you out. But something’s not right. And, yes, I’m always one, and I think the guys in this room would say the same thing. Always go back to the original source of something that happened, and let’s start from there, which, in your case, is this. Right.
SPEAKER 10 :
Okay, well, I’ll give them a call and see if I can get them. Okay, yeah, let us know.
SPEAKER 18 :
And if you find something even in the next couple hours, let us know. Appreciate it. All right, Tyler, appreciate you. Thanks for listening all the way from Indianapolis. All right, that’s it for this first hour. Two more hours coming your way. Guys, don’t go anywhere. Drive Radio, KLZ 560.
SPEAKER 15 :
Still haven’t had enough? Go to drive-radio.com. Email your questions and comments. Download previous programs and find lots of useful information, including your nearest Colorado Select Auto Care Center. That’s drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
