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Started By
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re: Ram to offer 10 year/100,000 mile powertrain warranties in the US starting in 2026
Posted on 6/18/25 at 8:52 pm to Bullfrog
Posted on 6/18/25 at 8:52 pm to Bullfrog
quote:
Not doubting you but can you show your work? I’d like to understand what you said.
Typical insurance cost stack will look something like 25% origination fee to the seller, 25-35% G&A for the asset manager and at best 50% for actual pay out reserves. I’ve seen reserves as low as 5% for something ludicrous like title insurance.
The reserve number is what actually matters for payouts and determining if it makes sense.
This post was edited on 6/18/25 at 8:53 pm
1
Posted on 6/18/25 at 8:55 pm to billjamin
Ok, but how does $5 a month = $1,000’s?
$60 a year is $300-$420 over 5-7 years plus some interest costs.
Not doubting. I just want to follow the math.
$60 a year is $300-$420 over 5-7 years plus some interest costs.
Not doubting. I just want to follow the math.
This post was edited on 6/18/25 at 8:57 pm
Posted on 6/18/25 at 8:58 pm to Bullfrog
quote:
Ok, but how does $5 a month = $1,000’s? $60 a year is $300-$420 over 5-7 years plus some interest costs.
Oh I misunderstood what you were asking the other guy. Yeah that doesn’t math out.
Posted on 6/18/25 at 9:12 pm to BilltheTiger
quote:
Not a dumbass when an electronics issue can cost 5k-10k or more. How much is an a/c compressor repair?
How often does that happen?
Posted on 6/18/25 at 9:21 pm to Kracka
quote:
So I was told by a long time car salesman once that these long factory warranties were indicators that the vehicles were pieces of shite. Is this true or false?
There are two reasons cars have longer than industry standard warranties:
1. they are premium marques and while they used to have 5/60 bumper to bumper most have settled at 4/50
2. manufacturers that are trying to counter the PERCEPTION that they are unreliable. A good example of that is when Hyundai and Kia went to 10/100 PT warranties at a time when Honda and Toyota had 3/36 on the power train. The thing is, the actuaries have to make the maths math but the deeper water a company is in the more they might be willing to flirt with a longterm liability problem if they can make it through the next few quarters.
So warranty extensions can mean something and then again they may not.
There are no current full sized pickups that have near the reliability of the better sedans, it just is what it is and has been that way for a long time. Statistically 1/2 tons are pretty poor since the Tundra's fall from grace but if that is what you need/want then there aren't any great options, anecdotal evidence aside.
Posted on 6/18/25 at 9:26 pm to AllDayEveryDay
quote:
I've heard the smoothest driving truck outside of a Ford raptor is the ram
Boy when I think of truck priorities, smooth ride is all the way at the top.
Along with the best satin panties I can wear.
This post was edited on 6/18/25 at 9:27 pm
Posted on 6/18/25 at 10:17 pm to Grievous Angel
That tracks for a dude that fell for the "where yo shoes at?" Scam. Dumb and feminine.
35% of truck owners never use the bed. The rest only use it more than once a year, but unspecified on how much that is.
So yeah, ride is important.
35% of truck owners never use the bed. The rest only use it more than once a year, but unspecified on how much that is.
So yeah, ride is important.
Posted on 6/18/25 at 10:42 pm to AllDayEveryDay
quote:
That tracks for a dude that fell for the "where yo shoes at?" Scam. Dumb and feminine.
Tracks for a dude that defines his masculinity by the truck that he drives.
An aggie, no less.
Posted on 6/18/25 at 11:23 pm to DarthRebel
quote:
Yes it is. There is no way to possibly justify extended warranties in a lifetime of buying cars.
You can justify it, but you have to realize you’re not justifying it on purely financial grounds. You’re just understanding you have some risk aversion and are assigning a dollar value to an abstract concept of “peace of mind.”
If you’re thinking that over the course of your vehicle buying career you’ll end up financially ahead than you’re quite likely mistaken.
Posted on 6/19/25 at 12:38 am to DarthRebel
quote:
That is fine, as long as you understand that is well outside the norm.
I dunno. Everything is so spread out here that you see a lot of used pickups that are like 5 years old with well over 125k on them.
Posted on 6/19/25 at 3:02 am to back9Tiger
quote:
100,000 is 4-5 years nowadays.
Why would driving mileage increase per person since 90s or 00s? I put 9,000 miles on my vehicle a year. Granted I maybe make a drive from Houston to Shreveport and back or Dallas and back once every 5 or so months.
This post was edited on 6/19/25 at 3:03 am
Posted on 6/19/25 at 5:24 am to member12
My best friend has a Ram. She loves it.
Posted on 6/19/25 at 5:44 am to DownshiftAndFloorIt
I agree with ditching Bosch, their experimental pumps to achieve these pressures in this frame size have been terrible
There is hope:
TDR: The CP8 looks identical to the CP4.2. But it’s different inside?
Ram/Cummins: Correct. While the CP8 may look the same, the internals are different with improved pumping and roller elements along with isolated-loop fuel lubrication. In partnership with Bosch and with Stellantis, this pump has gone through significant testing and vast improvements. We’ve developed new tests that not only helped revalidate the older CP3 that has been used since 2003, but also helped validate the new CP8. The tests are run with out-of-specification conditions to ensure we are validating beyond what coud be seen in application.
There is hope:
TDR: The CP8 looks identical to the CP4.2. But it’s different inside?
Ram/Cummins: Correct. While the CP8 may look the same, the internals are different with improved pumping and roller elements along with isolated-loop fuel lubrication. In partnership with Bosch and with Stellantis, this pump has gone through significant testing and vast improvements. We’ve developed new tests that not only helped revalidate the older CP3 that has been used since 2003, but also helped validate the new CP8. The tests are run with out-of-specification conditions to ensure we are validating beyond what coud be seen in application.
Posted on 6/19/25 at 7:58 am to member12
Nice! Now I can finance it at 20% for 12 years.
Posted on 6/19/25 at 8:02 am to tigerinthebueche
quote:
Even with the latest GM engine debacle?
Easily. Not all of those engines in that production date range is impacted, and it's an uplevel, optional engine that isn't in every model.
With all of these trucks (including Toyota's frustratingly problematic new Tundra) - the biggest risk is going to be electronics, rattles, plastics, etc. The most common powertrain failure point are probably transmissions and turbochargers - and there have been significant improvements in both of those areas across all manufacturers. There have been high profile engine issues from all manufacturers, but they aren't as common as you'd think given the headlines.
Pickup trucks in general are likely better maintained than the average vehicle but somehow also less reliable than the average sedan. I suspect this is due to their larger size, towing requirements, and heavier weights requiring far more complex solutions to meet unrealistic government fuel efficiency and emissions requirements. All of that has resulted in higher prices for consumers at the dealership and down the road with maintenance. We are using far more lighter, more expensive materials and way more tech, 10 speed automatics, etc to meet those requirements. And the only way to get consumers excited enough to trade in their 5 and 10 year old model is to offer bigger screens and more elaborate driver-focused tech (which is also problematic). The bulk of the issues are not engine related, which is kind of impressive given how elaborate modern engines are.
Consumer Reports says to stay away from the F-150 hybrid and the Tundra, which are the exact models I'm interested in. Maybe I should go with the older designs, which at this point is probably the Chevrolet or GMC with the 5.3L V8 or the newer Ram's with the 5.7L HEMI. Oddly enough the turbocharged 2.7L engines from Ford and GM are both pretty reliable too - both having been out for 6+ years now.
This post was edited on 6/19/25 at 8:08 am
Posted on 6/19/25 at 8:06 am to Grievous Angel
quote:
Boy when I think of truck priorities, smooth ride is all the way at the top.
It is for me and anyone with a lot of windshield time. Not interested in another truck that will beat the hell out of me on these horrific roads in Louisiana.
The Ram has a very nice ride, but some trims of the Tundra also ride well. The Sierra has a very nice suspension in the Denali trim level, but I am not a fan of those super expensive models.
This post was edited on 6/19/25 at 8:09 am
Posted on 6/19/25 at 9:06 am to AllDayEveryDay
quote:Because they have a car suspension. It’s basically an El Camino.
I've heard the smoothest driving truck outside of a Ford raptor is the ram. Even the base models, but the limited more so.
Posted on 6/19/25 at 9:47 am to BilltheTiger
I had my 2013 f150 ac replaced a couple of years ago for 1500. Had other quotes for 1800 or so.
Posted on 6/19/25 at 2:13 pm to Grievous Angel
quote:
Boy when I think of truck priorities, smooth ride is all the way at the top.
Along with the best satin panties I can wear.
I agree. To prove my manliness, I pick the roughest riding truck I can. Going as far as removing the wheel weights for the most uncomfortable ride possible
Posted on 6/19/25 at 4:03 pm to finfeathersport
quote:
Just buy a truck from bayou ford, Chrysler, Ram and get the lifetime million mile warranty ?? I’m sure they will be quick to honor it too.. there is probably a list of fine print that is unrealistic too
Have a buddy that owns a dealership. They do this and it is straight cash. They charge like $400 and never have a claim. When they do they already have the labor and shop to fix it for nothing.
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