And the part where you only see the list price after you've purchased so you can't shop prices from different provides. And the part where your insurance decid

And the part where you only see the list price after you've purchased so you can't shop prices from different provides. And the part where your insurance decides who your allowed providers are. Can you imagine totaling your car, and the insurance company says, "Sure we'll pay out, but only if you buy your new car from Hyundai."