Alternative for VCMod?

Since nobody here wants to actually answer what you are asking, simfphys seems to be the only free "alternative" where the cars can take damage and have proper physics, as well as a fuel system and fuel pumps and repair tool. You will not get headlights or any of the fancy features that VCMod offers though. And I really haven't seen any car dealers for simfphys- shouldn't be too difficult to code.
If you can somehow come up with the money for it, VCMod will not disappoint. But I don't get why everyone here is completely disregarding your scenario and question.
Like come on people. He asked if there were alternatives to VCMod, not a VCMod pitch from the mod author himself and someone else.