Vehicle insurers explore the power of artificial intelligence in how it will affect the industry.

"Borrowers with good credit scores are taking out loans with shorter terms and higher monthly payments," Experian's Melinda Zabritski says.

Successful dealerships should share a commitment to fine-tune hiring practices, cultivate talent that already exists internally and prioritize learning.

“Give us the good, bad and ugly,” CarNow’s John Lilly tells a group of dealer people. “All feedback is good.”

That allegiance could shift unless dealers are attentive.

Manufacturers’ incentives dig into profits, especially for luxury vehicles, fullsize pick ups.