Auto dealers see slowing sales, sparking fears that a long-expected decline is here

Suzanne Kreiter | The Boston Globe | Getty Images
Keith Monnin, CEO of Bernardi Auto Group, looks over a dealership in Framingham, MA.

A growing number of auto dealers around the country is seeing a noticeable drop in retail sales and customer traffic in showrooms, raising the possibility that a long-anticipated slowdown in auto sales has arrived.

“We are definitely seeing business pull back,” said Scott Adams, the owner of a Toyota dealership in Lee's Summit, Missouri, just outside Kansas City. “September was off some, but this month our car sales are down 12 percent and our truck sales are down 23 percent.”

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Other dealers tell CNBC they saw a significant drop in sales last weekend. One dealer in metro Tampa Bay, Florida, who asked not to be identified, said sales this month are down 13 percent.

“Customer traffic has moderated,” said Mark Scarpelli, president of Raymond Chevrolet and Kia in Antioch, Illinois.

Scarpelli said sales at his dealership are “keeping pace” with last October, but he has seen customers taking longer before buying a new car or truck. “There is a little bit more of a pause because of the higher interest rates,” he said.

Auto loan interest rates have moved steadily higher as the Federal Reserve has raised rates this year. In the second quarter of this year, the average new vehicle interest rate was 5.76 percent, up from 5.2 percent at the same time in 2017, according to Experian, which tracks millions of auto loans.

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Gary Barbera, who sells Jeep, Ram, Dodge and Chrysler models in Philadelphia, said his sales team has to “dig a little deeper” to close a sale. Still, business is up more than 6 percent this month, he said.

The pace of auto sales for October is expected to be close to 17 million vehicles, according to the auto website Edmunds.

Jeremy Acevedo, Edmunds' manager of industry analysis, said the number might not be showing signs of weakness due to auto fleet sales. If automakers increase fleet sales to corporations and government agencies, it would offset weaker retail sales through dealerships.

For more than a year, analysts have said auto sales are primed to slow down for a variety of reasons, including a surge in 3-year-old models entering the used car market. That wave of pre-owned models with relatively low mileage gives potential buyers an attractive option at a far lower price. Still, auto sales have remained robust and are on pace to top 17 million vehicles for a fourth-straight year, which would be a record for the industry.

Dave Fischer, chairman and CEO of the Suburban Collection, which has more than 50 retail stores in Michigan, California and Florida, said if sales slowing around the country, he's not seeing it.

“We will be up over last year. People are still buying,” he said.

—CNBC's Meghan Reeder contributed to this report.

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Ford CEO says restructuring is ‘a massive undertaking’ that must be ‘very thoughtfully orchestrated’

Rebecca Cook | Reuters
Ford Motor Company president and CEO James Hackett

Ford CEO Jim Hackett said the company is still determining what steps it needs to take to completely redesign itself.

Ford is in the midst of a plan to restructure the company that is expected to cost at least $11 billion dollars and take several years. But investors have grown impatient and frustrated with the level of detail Hackett and other Ford leadership have given about their plans. Ford's stock has lost about a third of its value this year.

During a conference call Wednesday, Hackett said he understands the frustration over the lack of clarity, but Ford has to move cautiously. Earlier, Ford reported third-quarter earnings that beat expectations.

“What I remind everybody of is we first have to find the areas that need the attention,” Hackett said. “We're through that. We then have to design the solutions for them. We're through a lot of that but not all of it. And then we have to put them in place and perform. If you read hesitancy from me, it's not that we don't know where we're going or don't know how to do it, it's that there's a massive undertaking that we have to have very thoughtfully orchestrated. Because my experience in doing this, the worst thing we could do is disrupt our business and we aren't going to do that.”

Hackett has talked for months about the need to improve Ford's “fitness” or efficiency. And the company has announced at least some changes to its business.

In early 2018, Ford said it plans to phase out the production of passenger cars for the North American market, in favor of more popular and profitable trucks, SUVs and crossovers.

Then, in early October, Ford said it plans to make reductions to its salaried workforce of 70,000 employees. But fuller details on that won't come until the second quarter of 2019.

Hackett added on Wednesday's call that the company is already seeing some benefits from initiatives it has put in place. He cited the company's North American EBIT margin of almost 9 percent in the latest quarter as an example and said the company was “very happy” with its strong balance sheet.

“We are making great progress on the product portfolio and I can't emphasize that enough,” he said.

Ford will share more details on its progress on autonomous vehicles, its strategic partnership, and its restructuring efforts in “the coming weeks and months,” Hackett added.

In the wake of the earnings report, Ford shares were trading up more than 4 percent after the closing bell.

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Ford CEO Jim Hackett says fixing carmaker’s problems starts with identifying them

Andrew Harrer | Bloomberg | Getty Images
Jim Hackett, president and chief executive officer of Ford Motor Co., speaks during a discussion at the Automotive News World Congress event in Detroit, Michigan, U.S., on Tuesday, Jan. 16, 2018.

When Tesla delivered a rare and unexpected profit on Wednesday, investors went wild. Even some of CEO Elon Musk's harshest critics sounded surprisingly bullish.

The California carmaker's stock surged by 9.1 percent the next day and another 5 percent Friday.

Ford also reported better-than expected earnings for the third quarter, sending the shares up 9.9 percent the next day. But the celebration was short lived. The shares fell slightly on Friday as the Detroit automaker's stock continues to languish below $10 a share, in territory it hasn't seen in years.

At $991 million, Ford's profit was more than three times that of Tesla's. The electric carmaker's earnings, however, told a very different story than Ford.

CEO Elon Musk finally appears to be delivering on expectations that Tesla can revolutionize the auto industry, or at least reliably turn a profit. With Ford, analysts and investors are yet to be sold on the $11 billion grand turnaround plan first promised by Jim Hackett when he was named Ford CEO in a broad management shake-up nearly 18 months ago. Its $991 million in profit fell 37 percent from the prior year.

Following the May 2017 ouster of Mark Fields, Hackett launched what was billed as an intense, 100-day deep-dive aimed at addressing Ford's problems. Yet, as 2018 rapidly comes to a close, the former CEO of furniture-maker Steelcase has offered relatively few, and often inscrutable, indications of what he has in mind, leaving not only outsiders, but insiders at all levels, trying to understand precisely what directions he wants them to move in.

“A lot of us are asking the same question,” a senior Ford executive, who asked not to be identified, told CNBC. “I just have to work on rallying my troops and hope we're all moving in the same direction

Critical moves

Hackett himself left plenty of folks scratching their heads during an earnings conference call with analysts and reporters Wednesday. Asked about his strategy, the former University of Michigan football player said “it's not a restructuring plan it's a redesign plan. First we have to identify the areas that need to be fixed, then we have figure out how to fix them and then execute.”

Under his guidance, Ford has made several critical moves. Hackett announced a shake-up of its struggling Chinese operations last week, appointing Anning Chen, an experienced auto executive, as the unit's new president and CEO. And Hackett's also formed several potentially far-reaching alliances. One with Mahindra Group, could help it crack into the promising Indian market. Another, with Volkswagen AG, ostensibly will focus on the lucrative commercial vehicle market.

The latter alliance has peaked interest across the auto industry, the always-active rumor mill questioning whether it could lead to a broader tie-up. Just don't expect a latter-day equivalent of the ill-fated Daimler Chrysler “merger of equals,” or even something on the order of the Renault-Nissan-Mitsubishi Alliance, Ford chief spokesman Mark Truby told CNBC. “We are not considering any equity swap or cross-ownership.”

For those truly familiar with the history of Ford, that should come as no surprise. There are few who truly believe the controlling Ford family, heirs of founder Henry, would willingly relinquish control. Indeed, insiders say that was a key reason the second-largest domestic automaker chose not to follow cross-town rivals General Motors and Chrysler into bankruptcy at the beginning of the decade, despite the potential of wiping out billions of dollars in debt.

Ford family

Ultimately, all things Ford Motor Co. must win the approval of the Ford family and, for the moment, CEO Hackett appears to retain their confidence. But for how long is the question if he cannot deliver on expectations of a turnaround.

To pull it off, the 63 year-old executive has a handful of key issues he will need to address but, to a large degree, one-time Ford President Lee Iacocca might have summed it up best when he long ago explained that, “There are just three things that matter in the auto industry: product, product and product.”

That's never been more obvious than in North America. Ford largely has it right on the truck side of its line-up. For more than three decades, the big F-Series pickup has been the best-selling product line in North America, and the automaker is a force to be reckoned with in the utility vehicle market, as well. But even here, there are unwelcome holes in the mix.

Ford was one of the many manufacturers who abandoned the midsize pickup segment after shutting down the Twin Cities plant in Minnesota that built its dated Ranger model in 2012. While General Motors and Honda rushed back into what turned out to be a resurgent market, Ford planners dithered like Hamlet and the company will only launch a new generation Ranger in January.

“We can't go back and change the past,” Ford President of the Americas Joe Hinrichs said at an event last week marking the relaunch of Ranger production in the U.S. “But we think the market is big enough that there will be room for everybody.”

Trucks over sedans

The reborn Ranger will be joined in 2020 by the return of the Bronco, a once-popular Ford SUV that was discontinued in the late '90s. Both models will be assembled at the Wayne plant which was, until recently, producing both the compact Focus sedan and C-Max people-mover. With the exception of the classic Ford Mustang “pony car,” those and the rest of the automaker's passenger car line-up are in the process of being phased out, perhaps the single boldest – and controversial – move authorized by Hackett.

There's no question that sedan sales have tumbled as millions of American buyers have shifted to sport-utility vehicles and crossovers. But key competitors, including GM, as well as import powerhouses Toyota, Nissan, Honda and Hyundai, are, if anything, redoubling their focus. And Stephanie Brinley, a principal analyst with IHS Markit, is skeptical of Ford's decision. “The sedan market isn't great, but it's still large and Ford simply didn't do what's necessary to compete” by letting once-strong models like the Focus and bigger Fusion go years without necessary updates, she said.

Even as Ford let its sedans grow old, Joe Phillippi, head of AutoTrends Consulting, contends the carmaker waited far too long to rebuild its once-powerful Lincoln brand. The luxury division will be tested over the next 12 months with the launch of two critical SUVs which will, notably, abandon the unloved and confusing alpha-based naming strategy adopted a decade ago. The new version of the MKT, for one, will now be called the Aviator.

China

Product problems also catch the blame for Ford's struggle in China, though it didn't help that the automaker waited for a number of years after key competitors GM and Volkswagen entered what has become the world's largest car market. When you're playing a game of catch-up, said Brinley, you better have the products that can make a difference.

Chinese new vehicle sales dipped 11.6 percent in September, the third consecutive monthly decline in a market used to strong, double-digit growth. Ford, however saw a 43 percent drop last month and was off 6 percent for all of last year.

Earlier this month, Ford announced plans to launch what it is billing as a new core model for China, the Territory SUV, with a total of 50 all-new or updated products in the works.

“We're in really good shape for the launch of these new products,” Jim Farley, president of Ford's Global Markets said during the earnings call Wednesday. “We have tremendous opportunity to drive better margins in China. “Our turnaround in China is really up to us. It's about our new products and our costs. The opportunity is in our control,” said Farley.

Whether his optimism proves valid is far from certain, especially in light of Ford's ongoing promises to fix its China problem.

Confusion

And it has plenty of issues in other key markets, including Latin America and Europe. The Dearborn-based maker insists it won't walk away from its endlessly troubled European operations, unlike GM which last year completed the sale of its Opel subsidiary to France's PSA Group. Some observers question whether Ford may try to partner with VW in both Latin America and Europe in hopes of stemming its losses.

Following Hackett's appointment last year, many observers questioned whether he would remain as committed to Ford's so-called “new mobility” program as his predecessor Fields. Considering Hackett was a key strategist behind the company's autonomous driving ef..

Tesla ‘obviously’ plans to take on Uber and Lyft, says CEO Elon Musk

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On a third-quarter earnings call, Tesla CEO Elon Musk said the company “obviously” plans to jump into ride-hailing in the era of self-driving cars.

“Tesla will operate its own ride-hailing services and compete directly with Uber and Lyft, obviously.” Musk said.

Tesla's platform, which is not yet operational, will give customers the ability to “offer their car, add or subtract to the fleet at will,” Musk said. Tesla plans to run a company-owned fleet of autonomous vehicles to pick up passengers wherever or whenever there are not enough customer cars to be lent out, he said comparing this service to the peer-to-peer lodgings business of Airbnb.

Tesla, along with the rest of the automotive industry, is racing to develop true self-driving capabilities for its vehicles that go well beyond the company's current Autopilot offering.

Today's Autopilot is a “driver assistance” system that can handle some driving tasks but requires drivers to keep their hands on the wheel at all times. In the second quarter of 2018, Tesla announced that it was developing its own chips to increase the capability of the computer that enables Autopilot features in its vehicles.

Tesla sells a “full self-driving” option to customers who are willing to pay now and wait– but the option is “off-menu,” not listed on the car company's website.

While full self-driving tech is still in development, Tesla's newest Autopilot Navigate features will enable drivers to automatically change lanes, handle forks in the road and take highway exits along a planned route, according to Tesla VP of Engineering Stuart Bowers who spoke on the third-quarter earnings call alongside Musk.

Both Uber and Lyft are expected to go public, potentially next year.

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Elon Musk says Tesla will eliminate some interior options for Models S and X

Mike Blake | Reuters
Newly manufactured Tesla vehicles are placed on transport trailers from a large inventory of newly made vehicles in Burbank, California, August 24, 2018.

Tesla CEO Elon Musk said Tuesday the company will eliminate some interior design options for the Model S sedan and Model X sport utility vehicle to simplify production at Tesla's assembly factory.

The Model X is the company's most complex vehicle in production today, in part because it has unusual falcon wing doors. Customers have had the option to configure the interior of Model X with six or seven seats and a number of options for upholstery, wood and headliner materials.

Musk, who announced the news over Twitter, said some options won't be available after Nov. 1. “Order now to be sure of the one you want,” he said.

He's previously said the company may have been too ambitious when it designed the Model X, and intentionally adopted a simpler design for the subsequent Model 3 mid-sized sedan in order to help speed production.

Tesla has historically struggled to meet Musk's aggressive production targets. The company had planned to reach a Model 3 production rate of 5,000 cars per week by the end of 2017, but did not hit that target until the end of June 2018.

Shares of Tesla were up more than 12 percent Tuesday afternoon after a noted short seller, Andrew Left of Citron Research, said he's changed his mind and is investing in the company's stock. “Tesla is destroying the competition,” Left said in a research note.

The electric car maker reports third-quarter earnings after the bell Wednesday.

From Ford to Volkswagen, rivals become frenemies to share the cost of building self-driving cars

CNBC
Anand Mahindra, chairman of Mahindra & Mahindra Ltd.

Politics, it's been said, creates strange bedfellows. So does the auto industry these days.

Ford this week announced plans to expand its work with Mahindra Group, one of India's largest car companies, to find ways to collaborate on advanced powertrains, connected car technologies and even new vehicles.

The new agreement comes as the auto industry rumor mill buzzes with reports of a possible new partnership between Ford and Volkswagen. Meanwhile, the No. 2 automaker's cross-town rival, General Motors, this past month announced a tie-up of its own to an erstwhile rival, Honda which is planning to invest $2.75 billion over the next decade on the joint development of autonomous vehicles.

The sheer cost and technological burden of developing self-driving cars, electric vehicles and other advancements has companies that have historically been fierce competitors becoming, at the very least, frenemies. They're forming new alliances, joint ventures and agreements to help develop and build new technologies that may take years to get to market and even longer before turning a profit. While some Odd Couple alliances are more successful than others, all share a common cause.

“When you think about how much it costs to develop these future technologies — it's immense,” Autotrader executive analyst Michelle Krebs told CNBC earlier this month. “And we don't know when they'll be ubiquitous, when they'll get any return on that investment. So they're sharing the cost. They're sharing the risk.”

Volkswagen announced almost a year ago that it plans to spend $40 billion to develop autonomous and electrified vehicles through 2022. It is expected to invest billions more by 2025 when it hopes to have 50 all-electric vehicles filling out the product lineup of brands ranging from mainstream Seat, Skoda and VW to exclusive marques Audi, Bentley and Lamborghini. And the German automaker isn't alone.

Nobody has that much cash

“Everybody has to spend billions on electrification, and billions on autonomy and mobility services, even while they have to spend billions on their conventional product lines,” said John McElroy, host of the TV program “Autoline Detroit.” “Nobody has that much cash.”

Some manufacturers, like GM and Ford, teamed up a few years back to work on a few components when they developed new, fuel-saving nine- and 10-speed automatic transmissions.

Other partnerships can last decades. Daimler has been working with the Euro-Asian Renault-Nissan-Mitsubishi Alliance for nine years. The Renault-Nissan-Mitsubishi deal has been in place since 1999. It's just short of a full-fledged merger. Though each carmaker remains independent, they share some equity and routinely cooperate on everything from parts purchasing to product engineering and manufacturing.

Yuya Shino | Bloomberg | Getty Images
Carlos Ghosn, chairman and chief executive officer of Renault and Nissan Motor, left, shakes hands with Osamu Masuko, chairman and chief executive officer of Mitsubishi Motors, at a news conference in Tokyo, on Thursday, Oct. 20, 2016.

The Renault-Nissan-Mitsubishi Alliance collectively sold 10.6 million vehicles in 2017, making it one of the three largest automaking groups in the world. Alliance CEO Carlos Ghosn contends the carmakers couldn't have come close without that partnership, which reportedly generated 5.7 billion euros in “synergies” last year.

At a news conference at the Paris Motor Show earlier this month, Ghosn and Daimler AG CEO Dieter Zetsche said their joint efforts added up to substantially more savings by allowing them to expand their individual product portfolios and enter new markets. Daimler joined the group as the world was still reeling from the Great Recession.

Mercedes and Nissan

Daimler's Mercedes now uses a four-cylinder engine produced by Nissan for vehicles it assembles at its own factory in Vance, Alabama. Nissan's luxury line Infiniti partnered with Mercedes on a new assembly plant in Aguas Caliente, Mexico. Together, the companies came up with the underlying “architecture” used for both the new Smart fortwo and Renault Twizy microcars.

“I can tell you the synergies we developed here are significant and can go further,” said Ghosn, with Zetsche adding that he sees plenty of “blank spaces” left for the partners to explore.

Even small, short-term deals can yield substantial savings. The development of a transmission, especially today's most fuel-efficient versions, can run into the hundreds of millions of dollars. Pooling resources, GM and Ford got two new ones for little more than they separately would have paid for a single automatic gearbox.

Not every alliance works out as planned, of course. A decade ago, GM, BMW and what was then Chrysler partnered on the development of a new hybrid drivetrain. The partnership was plagued with problems and the final product fell short of expectations. The carmakers quickly abandoned the technology.

In 2005, meanwhile, GM had to shell out $2.5 billion to exit from an ill-fated partnership with Fiat. Ironically, that helped provide the financial foundation the Italian company needed for it to acquire Chrysler when it was in bankruptcy a few years later.

One of the challenges, industry experts stress, is to ensure there's a common vision for what the partners intend to do. But another challenge is “making sure the corporate cultures can get along,” said David Cole, director-emeritus of the Center for Automotive Research in Ann Arbor, Michigan.

Chemistry

That was one of the problems that sank the GM/Fiat partnership, Cole and other analysts suggest, as well as the ill-fated “merger of equals” that became DaimlerChrysler. It's something Daimler boss Zetsche told CNBC he had to focus on getting right when the German carmaker started working with Renault, Nissan and later Mitsubishi.

One of the big questions during the joint news conference in Paris on Oct. 3 was whether the four manufacturers' partnership will survive when Zetsche hands off the reigns as CEO next year.

“Without the chemistry between us, maybe this wouldn't have happened,” Zetsche said, nodding toward Ghosn. But considering the results the partnership has generated, “I don't see from my perspective why the momentum in this relationship should change.”

Similar questions are being asked about whether Ford and Volkswagen will be able to move beyond the memorandum of understanding they signed in June. But company officials are upbeat.

“Ford is committed to improving our fitness as a business and leveraging adaptive business models — which include working with partners to improve our effectiveness and efficiency,” said Jim Farley, Ford's president of global markets. “This potential alliance with the Volkswagen Group is another example of how we can become more fit as a business, while creating a winning global product portfolio and extending our capabilities.”

Right direction

The alliance between GM and Honda appears to be moving in the right direction. The two companies already have partnered on the development of hydrogen fuel cells, a technology some see as a viable alternative to battery power. The basic hardware was provided by Honda, but they will now have to find a way to mass produce it at a GM plant in the Detroit suburbs.

Under the new agreement, meanwhile, the Japanese automaker will spend about $2.75 billion over the next decade as part of a partnership aimed at speeding up the development of self-driving vehicles. That will include a $750 million investment in Cruise Automation, GM's San Francisco-based autonomous vehicle subsidiary that is aiming to start production sometime in 2019.

“Our mission is to deploy this technology safely at massive scale,” GM President Dan Ammann told CNBC earlier this month. “That's going to require a lot of resources — not just financial resources but also engineering resources.”

Bob Lutz, GM's former vice chairman, said the pressure on the industry to develop new technology is intense and cost isn't the only factor driving unlikely business partners.

“There are so many demands on automakers these days for plug-in hybrids, fully electric vehicles, autonomous vehicles, semi-autonomous vehicles,” Lutz told CNBC earlier this month. “There is not enough engineering manpower to go around.”

These days, it's difficult to find an automaker that doesn't have some sort of alliance in the works. Daimler has not only taken an equity stake in Aston Martin but is providing the British sports carmaker with V-8 engines and infotainment technology.

Then there's the Japanese giant Toyota. It teamed up with niche maker Subaru to develop a low-end sports car both brands now sell. It subsequent..

Uber reportedly raises $2 billion in debut junk bond sale ahead of blockbuster IPO

Anindito Mukherjee | Getty Images
Dara Khosrowshahi, chief executive officer of Uber, looks on following a 2018 event in New Delhi, India.

Uber has raised $2 billion in a junk bond sale, according to a report, as it gears up for its 2019 stock market debut.

The ride-hailing firm raised $1.5 billion through the sale of eight-year notes with a yield of 8 percent — it had initially pitched $1 billion — and an additional $500 million by selling five-year notes with a yield of 7.5 percent in a private placement led by Morgan Stanley, according to the Financial Times.

Uber was not immediately available when contacted by CNBC; nor was Morgan Stanley. The FT said Uber had confirmed the sale's completion.

The embattled start-up is preparing for an initial public offering that media reports have noted could value it at more than $100 billion — far more than its last reported valuation of $72 billion, which it notched after a $500 million capital injection from Japanese carmaker Toyota. It is currently one of the most valuable privately held firms in the world.

The fundraising follows a separate report by the FT on Wednesday that said Uber has mulled the sale of minority stakes in its struggling self-driving unit, known as the Advanced Technologies Group.

“Shared self-driving cars will ultimately make transportation safer, more efficient, and more affordable for riders on the Uber network,” the company said in an emailed statement to CNBC in response to that report.

“Our team at the Advanced Technologies Group is wholly focused on building the safest self-driving technology out there, and we remain committed to supporting their efforts to make this self-driving future a reality.”

The autonomous driving unit suffered a major setback earlier this year after a fatal crash involving one of its driverless vehicles in Tempe, Arizona. It also ended a legal battle with Google's self-driving car division Waymo in February, with a settlement that saw Waymo take a 0.34 percent stake in the company worth $245 million at the time.

Uber's Chief Executive Dara Khosrowshahi said last month the firm is on track to launch its IPO next year and has no plans to sell the Advanced Technologies Group.

You can read the full FT report here.

Tesla buys new plot for its first China factory

Source: Shanghai Municipal People's Government
Shanghai Mayor Ying Yong and Tesla Chairman and CEO Elon Musk pose in from of a plaque for the Tesla (Shanghai) Ltd. Electric Vehicle Development and Innovation Center.

Tesla successfully acquired an 864,885-square meter plot in Shanghai's Lingang area for the electric car maker's new factory, according to an announcement from Lingang Wednesday afternoon. No price was immediately disclosed.

Plans for the wholly-owned factory were first announced in July. Lingang is located on the coast, about 47 miles southeast of the center of Shanghai or a roughly two-hour subway ride. Several auto manufacturers with foreign ties have facilities there, and unmarked test vehicles can be seen roaming the streets.

Tesla expects the factory to produce its first cars in three years, according to an earnings release in August. The facility will initially have capacity for about 250,000 vehicles and battery packs a year, and plans to eventually double that, the release said.

Funding will mostly come from local debt, and Tesla's own investment “will not start in any significant way until 2019,” the company said in the August release.

Producing cars in China, the world's largest market for electric vehicles, would significantly lower costs for Tesla.

The company noted in an Oct. 2 report it cannot access the same cash incentives as local Chinese manufacturers, and overall ocean transport costs and tariffs mean the automaker is operating at a 55 percent to 60 percent cost disadvantage compared with a domestic equivalent.

Shanghai-based Nio, nicknamed the “Tesla of China,” went public in the U.S. in September and said earlier this week it beat its own fiscal third quarter production target by several hundred vehicles. Baillie Gifford, Tesla's largest outside investor, disclosed earlier this month an 11.4 percent stake in Nio.

—CNBC's Robert Ferris contributed to this report.

Audi slapped with a $930 million fine by German prosecutor for its diesel cheating scandal

Alex Kraus | Bloomberg | Getty Images
Emissions testing equipment, manufactured by AVL Ditest GmbH, sits connected to the exhaust of an Audi AG A5 diesel automobile at a garage in Bruchkoebel, Germany, on Wednesday, July 26, 2017.

German luxury automaker Audi will pay a fine of roughly $930 million to settle regulatory action in its home country for rigging some of its diesel vehicles with illegal software designed to defeat emissions tests, the company said Tuesday.

Settling the case with prosecutors in Munich brings Audi parent Volkswagen one step closer to putting its ongoing diesel emissions scandal behind it. Volkswagen has already paid out billions of dollars in fines after news broke in 2015 that it fitted millions of vehicles with devices designed to make emissions levels on diesel vehicles appear lower than they actually were.

The Munich public prosecutor required Audi to accept responsibility as part of the agreement.

In June, Audi CEO Rupert Stadler was arrested in connection with the scandal.

Audi said in a statement that “the fine will directly will directly affect Volkswagen AG's financial earnings and, as a negative special item, reduce the group earnings for fiscal year 2018 accordingly.”

A new kind of auto insurance can lead to lower premiums, but it tracks your every move

Auto insurance companies are experimenting with charging drivers based on their actual driving rather than the typical bevy of statistics like driving history, location and age.

Rather than filling out the form, submitting your driver's license — andbeing confused about all the other factors that may be used in generating an insurance quote beyond your actual driving history — you simply let the insurance company watch you drive for a little bit and come up with a quote based on that actual recent driving history.

Root Insurance
The Root Insurance usage-based app tracks a driver for a trial period before offering an auto insurance premium quote.

The technology is called usage-based insurance. One company at the forefront is Ohio-based start-up Root Insurance, which recently raised $100 million in Series D funding, pushing Root's valuation closer to a $1 billion valuation. Root Insurance operates in 20 states around the country, with plans to expand service to all 50 states by 2019.

Auto insurance incumbents are also experimenting with usage-based insurance, fuelled by the ubiquity of smartphones and availability of telematics devices. Progressive Insurance, for instance, offers its customers discounts based on their driving through its “Snapshot” program. James Haas, business leader of usage-based insurance at Progressive, said it uses an app that tracks your driving and offers discounts and rewards for safe driving.

“The benefit for the consumer is both the encouragement of safer driving — and the opportunity to earn discounts for that safer driving — all in the way they want (either with the dongle or the mobile app),” Haas wrote in an email to CNBC.

In effect, the concept gamifies driving, and discounts are earned over time as a way to encourage drivers to keep the app running, which requires having location tracking turned on.

According to Progressive's “Snapshot” privacy statement, the collected data is also used to calculate an insurance quote or the rate the driver will pay when a policy renews. Users of Progressive's “Snapshot” app will receive a first-term discount and a personalized insurance premium afterwards based on their driving habits, according to the “Snapshot” terms and conditions.

Root Insurance has a similar approach. Download their app onto your smartphone, turn on location tracking, upload a picture of your license, and off you go. No need to log trips, sign on, or open the app while driving, or at all. The app runs quietly in the background, passively absorbing all sorts of data about your driving skills. Where it differs from Progressive is in the financial incentive. Root doesn't offer discounts over time as it gather a driver's history, or use the history for renewal quotes. After a two-week initial trial period, out pops an insurance premium, and then the user no longer needs to keep the app running.

But there's a catch. To build a profile, the app continuously sits in the background watching you.

The persistent monitoring is necessary to build a complete profile of a user, said Dan Manges, chief technology officer of Root Insurance. The company says it tries to be as upfront as possible that the app will monitor you at all times and can't be switched off without disrupting the trial period. Users can also manually disable its tracking features once the trial period ends, and while an untouched app will continue to gather data, Manges says it is used only to further refine their algorithm rather than re-rate an individual customer's premiums.

Location tracking can be a dealbreaker

The model, like many in the technology sector, creates a data-based bargain for the consumer — but with the added price of privacy concerns.

Privacy experts already have uncovered consumer fears. In 2016, the Pew Research Center conducted a study on how Americans approach privacy, asking if Americans were willing to allow insurers to monitor driving habits and, importantly, location, in exchange for a discount. Pew found that many Americans are willing to “share personal information in exchange for tangible benefits,” for instance, a discount on insurance, but Pew found that location was an important, and deeply personal, part of people's lives.

Forty-five percent deemed the tradeoff unacceptable, with only 37 percent of respondents finding it acceptable. An additional 16 percent said it would depend on the circumstances. “For some people, knowing their location was a deal breaker,” and wasn't worth sacrificing for potential insurance savings or discounts, said Lee Rainie of the Pew Research Center.

“Location data seems especially precious in the age of the smartphone,” the Pew team wrote in summarizing its findings. “Some of the most strongly negative reactions came in response to scenarios involving the sharing of personal location data.”

Other experts reached similar conclusions. “Geolocation is one of the more sensitive data points, said Lauren Smith, policy counsel at the nonprofit advocacy group Future of Privacy Forum. “It reveals what stores, clinics, religious destinations you go to.”

According to Root Insurance's privacy policy, the company says it will not sell or rent collected information “to anyone.” The company also says it will not use data from the device “to resolve any claims you or another driver of your vehicle may make with us” unless the insured makes a specific request to Root in writing.

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There are doubts about whether a phone is accurate or reliable enough to collect data to assess insurance premiums, said automotive services expert Colin Bird, senior analyst at IHS Markit. Root Insurance and other telematics-based apps use the sensors already on most smartphones to generate a profile of a user's driving habits. It uses the accelerometer, gyroscope, global navigation systems (like GPS and GLONASS), and compass to help build a profile of each user.

Root Insurance says this is a daunting challenge. “The sensor data [from phones] is very noisy,” Manges said. “We build models to take into consideration the sensor data is noisy.”

A phone would also ultimately be unable to tell if the user is a driver or passenger.

Root's persistent monitoring of drivers has led to user complaints. Get in a taxi and it might start logging your Uber driver's crazy drifting, dinging your score accordingly. Take a cross-country flight and the app will record your supercar-like acceleration.

“I did the test drive, however, it said seemed like it calculated every time I moved at a decent speed including while on the commuter train,” wrote a user named Derek Haber in the user feedback section on Root's Android App Store page.

“The app begins crunching the numbers when: 1. I run on a treadmill 2. The airplane is taxiing before takeoff and after landing 3. I ride in an Uber / Lyft 4. I am in the passenger seat when my friend is driving,” wrote a user named Venkat Raghavan.

Bird said most insurance carriers that use a smartphone to gather data work around this limitation by logging trips only when the customer's phone is connected to the car's bluetooth radio. (Root Insurance does not use this method.) Others, like Progressive Insurance's “Snapshot” program, allow users to categorize past trips if they weren't the driver. In addition to the smartphone app, Snapshot also gives users the option to use a separate dongle that plugs directly into the diagnostics port of most modern cars, capturing data like braking and use of safety systems directly from the vehicle.

In fact, component suppliers like ST make many different grades of accelerometers, including two separate categories for automotive applications and for consumer gadgets.

Higher premiums versus privacy

There is also a bleaker underside to usage-based insurance.

“The early adopters think they're safe, they're happy saving money,” Rainie of the Pew Research Center said. “But at some point, as the market progresses, people become worried about not participating.”

If usage-based insurance becomes common, customers outside of the pool of users could face increasingly high premiums for not giving up their privacy.

Root Insurance says its customers can get rates up to 52 percent lower than their previous insurers. The company says Root customers report average savings of $1,187 per year on car insurance policies compared to their previous rates with other providers, although the company notes this average includes policies with more than one driver and a younger user base that tends to be charged higher rates.

Haas said Progressive's Snapshot program has handed out over $700 million in discounts, with individual drivers saving an average o..