Technological advancements are transforming the car financing and insurance sectors by reshaping risk assessment, purchasing processes, and coverage models. Online financing and sales have simplified vehicle purchases, increased competition, and lowered interest rates, while instant approvals expedite transactions. However, the rise of connected cars and IoT raises cybersecurity concerns, and emerging trends like ride-sharing and autonomous vehicles challenge traditional ownership models. Insurers are leveraging telematics and big data for personalized pricing, improving risk assessments and customer experiences. Future shifts will include shared mobility financing, enhanced data-driven insights, and a stronger focus on sustainability, requiring the industry to adapt to evolving consumer preferences and environmental concerns.