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Subaru Forester Prices Paid and Buying Experience

2508 messages,  Last post on Jul 01, 2009 at 5:31 PM

You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx

What is this discussion about? Subaru Forester, Wagon, SUV




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#2266 of 2508
Re: is this a good price, any pros/cons? [gsid] by weverhat
Sep 11, 2008 (6:36 pm)
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Replying to: gsid (Sep 11, 2008 12:50 pm)

OK, here's another question, which I think I found the answer to by reading another thread, but I'll ask it anyways.
 
Is the sales tax based on the dealer's location, or where I live? I read that it is based on where you live. I knew that there were issues if you were buying out of state. But if you are buying in the same state, just in another county, why is the tax based on where you live? Anything else you buy at a store in another county, you pay the sales tax for that county.
#2267 of 2508
Re: is this a good price, any pros/cons? [weverhat] by weverhat
Sep 11, 2008 (8:03 pm)
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Replying to: weverhat (Sep 11, 2008 6:36 pm)

Last post for tonight probably. I have gotten some funny responses from dealers after I informed them of the lowest quote I had received and asked them if they could beat it. Here are some of them:
 
- "Did you want a turbo? I have a feeling the other dealer quoted you on a non-turbo" (don't tell me you're the internet manager and you don't even know that the "T" in "XT" stands for turbo...)
 
- "Don't accept that offer yet. I think I can do better, but I have to check the numbers after I am back in the office tomorrow" (I haven't heard back from this one yet...)
 
- "I can beat that. Let me know when you decide which dealership you want to work with"
 
- "They will hardly make anything at that price. I find it hard to believe they would do that, especially on a factory order"
 
Here is one of my favorites, the initial automated response I got from them said that they were a "no hassle dealership" and that they "cut right down to the bottom line price" and that there was "no back and forth from the manager". That sounded promising, I thought. After I emailed them with my lowest quote, I got this response:
 
- "That dealer is probably planning on marking up the interest rate to make more profit." (they didn't provide me a quote but promised to beat the low offer... so much for "cutting right down to the bottom line" and "no back and forth").
 
Oh, and of course there was the dealer who guaranteed they could beat any other dealer's quote, but when I told them the low quote I had, they said they wouldn't be able to trade for the vehicle. Funny, I told them exactly the vehicle I wanted when I first contacted them, it didn't seem to be a problem then that they didn't have the vehicle I wanted in stock when they guaranteed they could beat any other price.
#2268 of 2508
Re: is this a good price, any pros/cons? [weverhat] by sgloon
Sep 11, 2008 (11:59 pm)
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Replying to: weverhat (Sep 11, 2008 6:36 pm)

You must pay the sales tax for the city/county/state where you live....ie where you register the car.
 
If you haven't paid it when you pay for the car, they will tack it on to the total cost to register it.
#2269 of 2508
Re: is this a good price, any pros/cons? [weverhat] by ateixeira
Sep 12, 2008 (9:58 am)
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Replying to: weverhat (Sep 11, 2008 6:36 pm)

Where you live, I believe. Out of state dealers have to adjust for your tax rate.
 
X = Crossover
XS = Crossover Sport
XT = Crossover Turbo
 
That's how I think of the labels.
#2270 of 2508
Re: is this a good price, any pros/cons? [ateixeira] by weverhat
Sep 13, 2008 (3:36 pm)
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Replying to: ateixeira (Sep 12, 2008 9:58 am)

So I ended up going with dealer #1 (see original post) because he lowered his price by $200 and so was now the lowest by $400. Dealer #1 did not have the car in stock. I gave him a deposit and he obtained the car from another dealer (not from dealer #2, but from another dealer).
 
Dealer #1 checks my credit (he said they pulled 2 of my scores) and he said my highest score was 645. I was surprised because I had checked my scores from Myfico.com a few months ago, and my three scores were 709/689/670. I asked him if he was going to pull my third score to see what it was and he said no because the two they checked are usually the highest.
 
Is there any reason to believe that the dealer is not telling me the truth about my credit scores? I just find it hard to believe that they were that much different than Myfico.com.
#2271 of 2508
Re: is this a good price, any pros/cons? [weverhat] by weverhat
Sep 13, 2008 (3:55 pm)
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Replying to: weverhat (Sep 13, 2008 3:36 pm)

I went ahead and checked my scores from MYFICO.com again just now, just to make sure they didn't dive in the last two months for some reason. They are actually higher now - 716/689/680. So I don't get how dealer #1 could say my highest was 645?
#2272 of 2508
Re: is this a good price, any pros/cons? [weverhat] by weverhat
Sep 13, 2008 (4:03 pm)
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Replying to: weverhat (Sep 13, 2008 3:55 pm)

One more thing. When I asked dealer #1 why the scores were so different than MYFICO, he said something about the 'auto scores' being different. I wasn't even aware there were different credit scores just for auto loans which dealerships used.
 
So I did a quick search on Google, and I guess these really do exist, and some dealers use them instead. However it says these are based solely on your past auto loans. I have only had one car, which I have had for the past 15 years, and I never missed a payment on it, in fact I paid it off a couple years early.
#2273 of 2508
Re: is this a good price, any pros/cons? [weverhat] by weverhat
Sep 13, 2008 (5:54 pm)
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Replying to: weverhat (Sep 13, 2008 4:03 pm)

Found more info on the "FICO Auto Industry Option scores":
http://www.americanchronicle.com/articles/23408
 
I guess the reason my Auto Industry score could be so much lower than my regular FICO score is because I have a very short history, since I only had one loan which I paid off early. According to dealer #1, Subaru only looks at the Auto Industry score, not your regular FICO score. Why does everything have to be so complicated? Anyways, I think I might see what rates I can get on my own if that is really the case.
#2274 of 2508
Re: is this a good price, any pros/cons? [weverhat] by kyfdx HOST
Sep 14, 2008 (4:59 am)
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Replying to: weverhat (Sep 13, 2008 5:54 pm)

Anyways, I think I might see what rates I can get on my own if that is really the case.
 
I would definitely have backup financing in place. You wouldn't want to leave yourself at the mercy of the dealer's finance office.
 
regards,
kyfdx
#2275 of 2508
Re: is this a good price, any pros/cons? [weverhat] by p0926
Sep 15, 2008 (10:56 am)
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Replying to: weverhat (Sep 13, 2008 5:54 pm)

I would be suspicious of any dealer who claimed your credit score was noticeably lower than what you knew it to be. Certainly an unscrupulous dealer could try and sell the car at below their cost and then make it up by charging you a higher interest rate than you would otherwise qualify for.
 
In any case, you should always line up financing ahead of time with your bank or credit union. You can always offer the dealer the opportunity to beat it. Usually manufacturer sponsored financing deals are the best (if you can qualify). Otherwise, a credit union will normally have the best rates.
 
-Frank

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