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Future Vehicles Future Crown Vic and Grand Marquis
152 messages, Last post on Jun 07, 2008 at 4:54 PM
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Peetiedog, Thanks for all the great information. My first choice would be to get everything done at the dealer and avoid any possible problems with warranty work, which hopefully won't be needed in the first place. If they offer some kind of pre-paid discount on stuff like oil changes, I might be interested. For an extended warranty, I think Consumer Reports says they are a bad deal. Actually, they say anything the dealer tries to sell you after the sale is a bad deal for the buyer, otherwise they would have talked about it before the sale as a selling point..
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Replying to: ionosphere1 (Dec 27, 2007 7:42 am) You're welcome. If you can find a dealer you like and can build trust in, you'll probably be better off getting all your services and repairs done there. If you don't want to pay a large premium for your services at the dealer, you'll have to do one of two things: 1) Look for manufacturer/dealer discount coupons or price shop for the required services and then negotiate the pricing offered on a per case basis (hard work); or 2) Buy Ford's pre-paid maintenance plan 'ESP Premium Maintenance Plan', it represents your best value in maintenance & wear items coverage. Ford does not pay it's dealers retail prices on warranty or service claims, and they know that product satisfaction is higher when there's a 'gas & go' relationship, so they actually subsidize the plan's price so dealers can make a little money but still offer real customer value. In my experience the total you'd pay would probably equate to as little as 50-60% of what you'd pay over time at dealer retail prices, for the same services, and roughly 70-80% of independent budget shop prices. Vehicle costs are basically divided into 5 categories; Acquisition, Operating, Maintenance, Wear, and Repair. Acquisition, is the cost of purchasing, cash, payments, interest, etcetera. Operating, is the cost of gas, insurance, registration, etcetera. Maintenance, is the cost of oil changes, filters & flushes, rotations & adjustments, etcetera. Wear, is the cost of replacing things that just wear out, like tires, brakes, shocks, belts & hoses, etcetera. And Repair, is the cost of fixing defects, damage, things that should have worked but didn't, or broke, etcerera. Aquisition is a choice, Operating is a given, Maintenance & Wear are a necessary protective choice, and Repair is a possible reality. Ford's pre-paid maintenance & wear plan is a way of managing and capping a neccessary expense, to avoid future repair issues. Be smart, look into it. last time I checked, Consumers Reports wasn't paying anybody's maintenance or repair bills. Don't get me wrong, I hold Consumers Reports in very high regard. They are right in that if you have the financial dicipline and wherewithall, extended warranties on any item are usually a waste of money. They are usually heavily laden with profit for the seller. But that's only one perspective. Warranties are like insurance. You're betting the insurance company that something bad is going to happen, and they're betting you that it's not going to happen, and they're giving you odds. All insurance is like this. Every time nothing bad happen, you loose, and you forfeit your bet, your monthly or annual premium. Every time something bad does happen, you win, and the insurance company pays what they bet (the covered loss). Auto insurance, health insurance, life insurance, and so on all work on the same principal as mechanical breakdown insurance, often referred to as extended warranties. If someone took Consumers Reports position as the gospel truth, then no one should buy any insurance of any kind. But there's another perspective. If you cannot afford, or don't want to risk taking the loss, it's better to insure against it. Another way of putting it is, 'It's better to have it and not need it, than to need it and not have it'. Warranties are like any other insurance, there are good companies and not so good companies; and within each, there are good policies and bad. There's no one size fits all policy that I know of. It's like anything else. Do you homework, assess your risk tolerance, shop around, and then negotiate. My personal opinion is that the manufacturers warranties are the most expensive, but they are generally the best. They have the most to loose if they piss you off. Keep in mind that Ford's name is on the Ford extended warranties. So if they don't pay a legitimate claim presented to them, or hide behind loop-holes, someone may choose never to buy another Ford product again as a result, as well as bad mouthing them along the way. So rather than have that, most manufacturers charge a little more for their policies, but offer plans that have fewer holes in the coverages, so they won't have as many occasions to need to deny a claim. In fact, they often approve claims that should be denied, for customer satisfaction reasons. So if you feel uncomfortable about taking on the financial risk of not having the protection, buy an extended warranty. Just don't get cheap. Buy a manufacturers plan, make sure you understand the coverages and choices, pick the plan that best suits you need, negotiate to pay a reasonable profit margin to the dealer, and call it a day. Then hope it is a waste of money. I don't know anyone who wants something to go wrong so they can USE their insurance, especially not their life insurance. And remember opinions are like ass-holes, everybody's got one. Consumers Reports has theirs, and now you have mine as well. Always seek out more than one opinion. Besides, if you don't get a warranty because Consumers Reports say not to, and something goes wrong, try submitting the bill to them and see if they'll pay it for you. Lastly consider this. The best Ford extended warranty plans should retail for approximately of 4-5% of the car's MSRP (rule of thumb) for a 6 yr./75,000 mile plan, and 7-8% of the MSRP (rule of thumb) for a 7yr./100,000 mile plan. So a 6 yr./75k mi. Ford Premium Care extended warranty on a $30k MSRP Grand Marquis, should retail in the neighborhood of $1200 - $1500, but remember, NEGOTIATE. A pittance compared to the cost of a major repair, like an engine, a transmission, or major electrical malfunction. Keep in mind, almost everything on today's cars are computer controlled. If you're buying a $1000 washing machine, and they're trying to sell you a 3 or 4 year warranty extension for $150 or $200, that's 15-20% of the cost of the purchase. I can afford to take the risk of self insuring in that case. A lot of the other stuff is not always worth considering. Credit Life & Credit Disability insurance is usually not worth buying from a dealer. Contact somebody like Met Life or Prudential if you want to buy life or disability insurance. Pin stripes and fuzzy dice for the window mirror  , amoungst a host of other things, are just a rip. So stay away, 'Just Say No!
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a scientific opinion, but the ONE advantage, IMO, to buying credit life or disability from the dealer is if the buyer is virtually uninsurable due to pre-existing health issues, and the quasi group policies from the dealer almost guarantee being issued... The same with mortgage life insurance...while not the best move financially, if you cannot get cheaper insurance from an independent agent, buying mortgage life from the lender almost guarantees a policy being issued, so that if you die, your surviving spouse at least has a paid off home w/o a mortgage, making the post-death transition a little easier since they do not have to worry about becoming homeless 2 months after someone's death...
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Replying to: marsha7 (Dec 27, 2007 8:02 pm) It depends on which state the LA&H policies are being sold in. I'm not familiar with the laws in all states, but I am familiar with the laws in about 20 states, as one of my recent job responsibilities for a major 'captive' finance company was in the marketing and training arena. The M&T area I worked most with was F&I, especially since I held state licenses for L&D as well as F&C, along with my NASD registration. In many of the states I'm familiar with, there are still escape clauses for the Insurance companies; and for those that don't allow for underwriting selection, the premiums are so heavily loaded, that all but the most uninsurable would probably reject the purchase offer. Especially if they new exactly what they were buying, and the claims process especially as pertaining to credit disability. I have been out of that loop for a little while, so things may have changed, but I don't think much, if any at all. And then things may be different in your state. I can't speak to the mortgage industry, other than to say that most product types tend to follow the same trend lines. My guess would be that most people who think they are uninsurable, might find that they in fact are insurable. There are companies out there who make a market in medium, high, and very high risk applicants, and their policies are rated to accommodate the risk. They may find that there is a policy available to them that offers level coverage for a similar or smaller premium, as opposed to declining coverage for that level or increasing premium. I grant you, that those who are truly uninsurable in the open market, may not have much choice. But most people who buy that stuff are not uninsurable, they are just uninformed, misled, or too lazy to shop around. Anyway, I don't really want to discuss life and disability insurance. I'd rather get back to discussing cars. I just wanted to help my amigo from the upper north-west to make some informed choices. Nuff said on the subject as far I'm concerned. Now what would you like to see Ford do with the CV/GM/TC trio going forward? |
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Why does it take 8-12 weeks to get the car? I wonder how many people, unwilling to wait so long, end up buying a different car instead? Is it due to this being an unpopular model?
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It takes about six weeks to order and actually program the car for manufacture...two more weeks to start up the plant to make your car and your car only...then it takes another six weeks to locate a geezer who can only drive 50 miles per day before needing to stop for the night...assuming you live 1000 miles from the assembly plant, that adds another 4 weeks (5 weekdays x 4 weeks is 20 days; 20 days x 50 miles per geezer day is 1000 miles)... OK, I made all this up... 
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Replying to: ionosphere1 (Dec 29, 2007 4:23 pm) In the case of the Grand Marquis and Crown Victoria, there are a couple reasons. Normally there are production stops around the Christmas/New Year holidays, as union contracts require much higher wages for Sundays and holiday work (e.g.: Christmas Eve & Christmas, New Year's Eve & New Year's day). So most factories close down for the 2 or 3 weeks around that time, since as many as 6 or 7 of those days would require premium pay anyway, and it allows them to bring in mechanical engineering teams to service and adjust the production machinery. So there goes a few weeks of your wait time anyway. Also, the Wixom (Michigan) plant that produced Town Car was shut down, and Town Car production was moved to St Thomas (Canada) plant where Crown Vic & Grand Marquis is produced. So CV & GM production had to be interrupted while Town Car tooling was put in place. That caused several weeks of delayed production. As I understand it, the plant's full production starts again this coming Monday. So barring some other problem (like the dealer's lack of allocation, which I doubt), you should probably see your car arriving at the dealership within 4-6 weeks or so. And for your edification, if someone wants and orders a Grand Marquis, they probably wouldn't end up buying a different car. It is nearly impossible to find a new RWD, large car, similar to the Grand Marquis; especially a very loaded car for well under $30k after incentives. For the few who cannot wait, the dealer can always dealer-trade to get a unit similar to what the person wants. On a car like this, in relatively well populated areas, there are usually many dozens of stock units to choose from within a 100 mile radius of a given store. Often a dealer will absorb the cost of transporting the vehicle, to get the sale today rather than in 2 months; besides, that customer that gets the itch, might go looking around elsewhere, and another dealer may end up scratching his itch, and he end up in a similar car sooner. So it amazes me that your dealer didn't at least make an attempt to locate you a Norsea Blue Grand Marquis, and remove you from the market. |
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If you do an inventory search of dealers around here, you'll see a lack of inventory for Grand Marquis. Most have none. Maybe dealer already knew that so didn't even bother looking. Another thing I'm wondering about is why the Lincoln Town Car is almost double the price of the Grand Marquis. Aren't they basically the same car? Is the Town Car that much more luxurious to justify the difference? I also find it odd that as the $5,500 rebate deadline of 1/2/2008 passed, they just advanced the expiration date to 1/8/2008. Strange to just add 6 days, isn't it? I know for awhile last year they had a $7,000 rebate on the Grand Marquis. I'm hoping they increase the rebate before my car is ready so that I'll get a bigger rebate.
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I was wondering about the 6-CD Audiophile option, which I am getting. The model I testdrove did not have that option, so I never got to hear one and am hoping it is real good, as sound quality is important to me. Most cars appear to have a brandname stereo, but the Mercury Grand Marquis doesn't and there is no brand marking on the unit. Because of this I have been unable to find any reviews of the unit and I have spent a lot of time looking. Do you know who manufactures it and also who manufactures the speakers and no of any reviews of them? |
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Replying to: ionosphere1 (Jan 04, 2008 7:24 am) IIRC the GM/CV have a solid rear axle and the Lincoln has independent rear. -mike |
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