If you really want to know who to blame look at the insurance companies. 20 years in the auto business and I can tell you loaners are going to be a thing of the past at any dealer unless the manufacturer requires it under your franchise agreement. This is the case with most of your luxury brands. The last dealer I worked at was a GM dealer, which included Cadillac, who required the dealer to provide a loaner off the lot. Why a lot vehicle you ask? Because them GM didn't have to pay rental charges. They required the dealer to buy several units off the lot and place them in rental status to be used by customers when their vehicle was in the shop. Problem is it was costing the dealer about $12000/yr per rental just for insurance and the ass kicking you took when you sold the vehicle after it came out of rental service.
If you chose not to participate in that rental program you had to give them a unit off the lot. If you insured them properly so as to not open yourself up for liability if your customer wrecked your car, the insurance company would **** you for a blanket policy to cover all of your vehicles for loaner use. That one particular GM dealer was looking at a policy increase over $28k/yr. Ford had a program that worked much the same way.
For those of you in business, you know that is not cost efficient or even possible for some smaller dealers. If a rental is that important buy a Ford Protect contract and be happy.
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