How does Motrix work?

You tell Motrix the car you want. We contact multiple dealers for you — by email and real phone calls — strip every junk fee, and negotiate your out-the-door price in writing. You approve the final number and sign. You never sit across from a salesperson.

What does Motrix cost, and when do I pay?

$0 upfront. You only pay when Motrix lands you a deal you actually sign — $399 for the Deal tier (done-for-you), $799 for Pro (a dedicated human on your deal), or $1,499 for founder-led Concierge. If it does not close a deal you sign, you pay nothing.

Do I have to talk to the dealer at all?

Never. Motrix handles all communication. The only thing you sign is the final contract.

How long does it take?

Most deals are locked within 24–72 hours. We contact dealers immediately after your brief is filed and follow up aggressively until we get a response.

Does this work for used cars too?

Yes. Motrix works for new, used, and CPO vehicles. Used car negotiations use different tactics — we focus on vehicle history, condition-based pricing, and market comparables rather than MSRP.

What if I have a trade-in?

Enter your license plate number in the brief. We automatically pull your vehicle's value from KBB, Carvana, and CarMax. We negotiate your new car price first, then your trade separately.

Is Motrix a car broker?

No. Motrix is a negotiation facilitation service. We're not a licensed dealer or broker — we're an AI agent that negotiates on your behalf. You make every final decision.

What does Motrix actually do?

Motrix is an autonomous AI agent that contacts car dealers on your behalf and negotiates the entire deal. You submit a brief about the vehicle you want, and the agent handles every dealer interaction — emails, SMS, fee disputes, price counter-offers — until it surfaces a final deal for you to review and sign. You never have to talk to a dealer.

Is Motrix a car broker or dealer?

No. Motrix is a negotiation facilitation service. We're not a licensed dealer or broker. We act as an AI agent representing the buyer's interests. The buyer makes every final decision and signs the contract directly with the dealer.

How does $0 until you sign actually work?

On every paid tier (Deal $399, Pro $799, Concierge $1,499), you pay nothing upfront. The fee only applies if Motrix secures a deal that meets your target and you choose to sign the contract. If we can't find a deal that works, you pay nothing. 30-minute money-back window after purchase for any reason.

Can I use Motrix for used cars?

Yes. Motrix handles new, used, certified pre-owned, and lease deals. The fee structures and negotiation tactics adapt to the vehicle type — the brief flow asks which condition you want.

What's in the Concierge tier?

Concierge is founder-led negotiation. Founder Jimmy Sturdivent personally handles every step from your first inquiry to your signed contract, with AI agents working alongside. Includes trade-in coordination, financing review, insurance shopping, and delivery logistics. 24-hour SLA on every touchpoint. Limited to the first 25 Founding buyers at the $999 founding rate (standard rate $1,499).

← Full glossary

FINANCE

Force-Placed Insurance

Insurance the lender buys and adds to your loan if you let your own auto insurance lapse. Costs 3-10x retail coverage.

// Why it matters

Force-placed insurance (sometimes "lender-placed" or "collateral protection insurance") is what your auto lender adds to the loan if your own comprehensive and collision coverage lapses below the contract's minimum requirements. The lender is protecting their collateral, not you — force-placed policies cover only the lender's interest, not liability, not your medical bills, not your replacement vehicle. Premiums are typically $1,500-$4,000 per year, financed onto the loan principal, vs. $400-$1,000 for normal auto insurance. Letting your own coverage lapse is one of the most expensive mistakes a financed buyer can make. Most loan contracts give the lender 30 days notice before force-placing. Maintain continuous coverage and verify with the lender after any policy change.

// Related terms

Acquisition Fee Add-On Insurance Products Adjusted Cap Cost vs. Cap Cost APR (Annual Percentage Rate)Back-End Products Buy Rate

Skip the glossary entirely.

Motrix's AI agents know every term on this page and use them against the dealer on your behalf. $0 today, $399 only when your deal closes.

Start a deal — $0 until you sign →