Steve76eb wrote:
One thing to keep in mind is that X plan, Supplier(GM), Affiliate Rewards(Dodge), are not always the cheapest, especially if they are having a sale. Those plans only work with factory rebates and not dealer rebates/discounts. If there are no sales going on they can be a nice price.
For example, this weekend the local Ford dealer had a F350 4x4 Platinum for $13k off. It would actually be more expensive by about $3k to purchase by X plan because you would be losing out on the dealer discount. It pays to shop and know how these plans work because they are not always going to be in your favor.
When Ram has their $12-14k off sales it is always going to be cheaper than using the AFF price.
Can't speak for the other discount programs, but at least with x-plan it is almost always the best deal. Only exceptions are things like left over last years models that the dealer has been unable to sell, so the dealer has to take a loss. Or a single 'loss leader' that the dealer advertises to get people in the dealership, but only one lucky person is actually able to buy, if they are lucky. Dealer profits on X-plan sales are razor thin, and typically only fleet guys are happy to do them. Most general sales guys will try to talk you out of an X-plan purchase, with promises of a 'better deal', I don't know about you, but I completely believe everything a salesman says 100% right?
For instance, my Explorer was two years old when I bought it, but it was brand new as a demo (no demand for 4x4 explorer in Houston). Sticker was 32,000. X-plan would have been about 28K and I paid 17K with a full factory warranty. This beat the heck out of the X-plan pricing, but was a very unique vehicle buying opportunity. And the dealer took a huge loss on the truck.