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Saturn Vue: Prices Paid & Buying Experience

64 messages,  Last post on Mar 02, 2009 at 6:42 AM

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#62 of 64 Re: 2009 Vue XR 4-cyl with premium package $$ [macca2008] by macca2008 Mar 01, 2009 (4:47 am)
Replying to: macca2008 (Feb 26, 2009 12:16 pm) Hi again. Well, I went back and forth with the dealer and got them to give me an additional $700 on my trade-in for the deal I wrote about, above. I went in with the 0%, so my payments would be reduced to $320.89 - I was willing to pay $320/month with $2,100 down (which goes right towards principal anyway). They offered a different deal that, surprisingly, was better - a 5.8% APR 60 month but with $2,750 cash incentive off the bottom line from Saturn. I calculated the interest on the principal for the life of the loan and found it was less than $2,750. Meaning, Saturn paid for the interest of the loan at the time of sale. Comparing the payments and overall out-of-pocket, I saved another $150 going this route, and I could still ride out the 60-month term without paying off early if I still wanted. I still put down the same amount ($2,100).   I was pleasantly surprised, and believe me I went over this at least 5 different times while they waited. Hey, it's my money and I wanted to be sure.   I did opt for the gap insurance, having consulted a good friend who is lawyer who said for the right price it's a good idea. I got them to knock it down about $60 which essentially covered the interest I would pay by rolling it into the 60 month loan. So my total monthly payment is $328.   Finally, I did the car care on a 12-pay to avoid paying interest. So my first year out-of-pocket for the entire package is more, which I expected. But from years 2-5 I'm satisfied with where I landed on the deal. I'm also not overly concerned about maintenance after 2011 when manufacturing stops. Saturn is so entrenched in GM that I would most likely continue my service at a Buick or GMC dealer. Replies to this message: intotheoh (Mar 01, 2009 8:27 am) macca2008 (Mar 02, 2009 6:42 am)
#63 of 64 Re: 2009 Vue XR 4-cyl with premium package $$ [macca2008] by intotheoh Mar 01, 2009 (8:27 am)
Replying to: macca2008 (Mar 01, 2009 4:47 am) Here is the offer I have on the table. Deal or no deal?   2008 Vue XE AWD (V6)   MSRP: 24,700 Dealer offering Price: $22,475 Rebate: $2,750   Price before Taxes: $19,725 + TTL   My only hesitation is that the V6 in the XE is a little rough. My wife really really wants a hybrid. Have you heard of any rebates on those? Replies to this message: macca2008 (Mar 02, 2009 6:42 am)
#64 of 64 Re: 2009 Vue XR 4-cyl with premium package $$ [intotheoh] by macca2008 Mar 02, 2009 (6:42 am)
Replying to: intotheoh (Mar 01, 2009 8:27 am) I would say as long as the rebate covers the interest you'd pay for the life of the loan (because they don't offer the rebate on the 0% 60 month as I understand it), then it's probably worth it.   How did you get the dealer to offer it at $22,475? GM supplier discount or employee discount?   I chose the 4-cyl because of the gas mileage - i liked the ride of the V6 better, though. I went with the XR trim to "treat" myself, really.   I also considered total cost of ownership, which you can figure out easily with the saturn when you get a car care package. with the car loan and the car care, plus the gap insurance, the total cost of ownership still ended up being less than my price for the car after my GM supplier discount. That to me sounded like a good deal.   I haven't heard of any rebates on the hybrids. I decided to wait until hybrid technology is more advanced, and cheaper; for that matter, when it's time to get a new car years down the road it may be a hydrogen or electric car, who knows.

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