I'm not finding a great example, offhand, but basically, I'm suggesting that you could have city/state URLs, like:
www.example.com/illinois/chicago
...make model URLs, like:
...and individual product URLs, like:
www.example.com/honda-crv-1234
... but that you DON'T mix the first two and end up with something like:
www.example.com/illinois/chicago/honda/crv
....because you're going to spin out a ton of thin content. There's no perfect way these days to even do a lot of state/city pages - Panda hasn't been kind to that. Ideally, you need to have some sort of unique content for each one. If you're just spinning out content to target keywords, you're likely to harm your site eventually.