Several months ago, Hyundai announced their version of layoff coverage for new car purchasers. If you buy a new vehicle and lose your job during the first year of ownership, you can turn the car back in -- no harm, no foul.

Hyundai is trying to ease people's fears about jobs and the economy. And you know what? It's working. Their market share has increased on the strength of their promise.

Car sales are half of what they used to be now that people are keeping their cars on the road longer. So it's no surprise that car dealerships are hurting…and that at least one dealership is taking a page out of Hyundai's play book.

AutoNation will cover 6 months of car payments on new or used vehicles if you become unemployed. This program is rolling out first in Florida where consumers have been hit extra hard by the real estate bubble.

But is this enough of a reason to buy a car? No way, says Clark. If you're at risk of a drop in income, you've got bigger fish to fry than just what's going on with a potential car purchase.