Here's what I hear from this question...
A customer gives this design and says "Here, the design is finished, and here's the jpg. Now all I want is that on my back window, and the size is 4'x2'. I'm pretty busy, so I'll have to have my brother bring the truck to you to get done"
So immediately in my mind, here are the steps that this job is going to take...
1. The image isn't vectorized, so I'll have to do that.
2. There's going to be drama and bull**** with phone calls, emails and text messages back and forth about the time that either him or his brother will be dropping the truck off, and ultimately, wasting maybe 30 min of my time just with that.
3. After it's vectorized, and the computer work is finished, I'll have to load the printer, load the laminator, print it, laminate it, then feed it back through, and contour cut it, then weed it, then mask it. Then I have to
clean his window and install it, and if there's any mistakes, I'm liable for it, and I will indeed fix it. Then, when the job is complete, they'll decide on his "brother" to pick the truck up, and he'll say "ah, I thought he already paid you for that!, let me call him and see if he can run the money down to you, because I'm in a hurry. Then, he'll come back 5 minutes later and say "he wanted to know if he could drop the money off to you tonight at 7:30 after he's finished working?".
So that my friends, is why I'm at $220, all day long. I've been a graphic designer for roughly 15 years, and I've been installing and dealing with customers for 5 years since I started my business, and let me tell you that doing the actual job is literally 50% of the total job, if that makes sense. There are great customers out there, absolutely, but unfortunately, some people can just be totally ridiculous, and you never know who's going to try and put it to you. Now, for long standing customers, sure, I'll give them a break on the price, absolutely. However, when it comes to new clients, I'm just higher than most of my competition for the reasons above, that's just how it is. Everything is a headache. E-V-E-R-Y-T-H-I-N-G.