My new Car............

[duccarlos]

You fit the stigma very well.

Tiffany doesn't like M3's nor do I have any interest in also owning one. They are two doors, right? How am I going to fit two Doberman's back there you idiot?

M3 comes in 4-door as well

http://www.bmwusa.com/standard/content/vehicles/2011/m/m3sedan/default.aspx

Keep talking...

You'll only stay there if they have a no jetta board

Not sure what that means, but there are several boards and there are a lot of Jetta owners.

Even an idiot like me understood that one.

[Statler]

we're not doing this shit all over again.   can't start threads to continue topics that were locked.

This one's done too.   Thank the hubby for his behavior on the DMF this summer for the added scrutiny. 

[Statler]

Cyrus' wife shouldn't be punished for his over-posting and behavior.  her new car is different then his earlier post about it.

it was one pm from raux that corrected me... not Jud's clever long post.

thread unlocked.

it does appear her account is gone and I apologize for not seeing that this thread was that important.

[ducpainter]

Cyrus' wife shouldn't be punished for his over-posting and behavior.  her new car is different then his earlier post about it.

it was one pm from raux that corrected me... not Jud's clever long post.

thread unlocked.

it does appear her account is gone and I apologize for not seeing that this thread was that important.

whoa...

you mean you made a mistake?

[Charlief]

whoa...

you mean you made a mistake?

His mistake was turn 6 at Loudon!! 

Glad you were able to walk away unscathed.

[Monstermash]

We opted for the 85k/or 6 year warranty (whichever comes first), GAP Insurance (as our insurance company does not provide it), Enviroguard by Rositall (or maybe the other way around, I don't recall, he negotiated it. Basically it is a paint, rim, and interior protectant warranty for 5 years. Get a rip in the seat from a dog.........free replacement. Get birdshit on the hood and leaves a stain....they fix it...one of our dumb friends yacks in the car.......the clean it), rim and tire warranty (hit a pothole.....all over here...bend a rim, free replacement of tire and rim. Catch a nail.......new tire), and also it included LoJack. Figured this was a good option as it is a special edition car and on average, 19 cars a day are stolen in the Columbus area.

I'm in the car business... can I sell you your next car?

Thats one hot Bora though!

[Kopfjäger]

I'm in the car business... can I sell you your next car?

[cyrus buelton]

I'm in the car business... can I sell you your next car?

I am not sure if the warranty sheet is VW specific or a package by the dealer in association with VW.

Without getting into too much detail, there were four extended warranty packages.

Obviously the Premium down to the standard.

Each one dropped off one item as it lessened.

I calculated the cost of each one, the savings I get on my insurance with LowJack, etc etc.

It came out to be a good deal.

Remember, I crunch numbers for a living. Numbers that north of 100mil.

I don't fall for crap when it comes to that.

Also, the warranty came from the financing guy, not the salesman. He didn't push any of them at all.

He explained each one and let us decide. He wasn't pushy at all.

We talked guns the whole time 

[Monstermash]

I am not sure if the warranty sheet is VW specific or a package by the dealer in association with VW.

Without getting into too much detail, there were four extended warranty packages.

Obviously the Premium down to the standard.

Each one dropped off one item as it lessened.

I calculated the cost of each one, the savings I get on my insurance with LowJack, etc etc.

It came out to be a good deal.

Remember, I crunch numbers for a living. Numbers that north of 100mil.

I don't fall for crap when it comes to that.

Also, the warranty came from the financing guy, not the salesman. He didn't push any of them at all.

He explained each one and let us decide. He wasn't pushy at all.

We talked guns the whole time 

Thats great that you crunch numbers for a living. That doesn't mean you know a single thing about the car business. Did you bother to negotiate the prices on any of the back end items you purchased? Do you realize that unless there is a national program running on interest rates from the manufacturer (and you qualified for it) that you can negotiate the rate? I only ask becasue the markup is probably $1000% on everything but the LoJack. So... do the math numbers guy! 

Additionally if you discussed ANYTHING other than the items you purchased and pricing while you were in the finance office, you fell right into the trap they layed for you. They will purposely try and get your attention off the real task at hand which is the deal your about to sign. Having a friendly conversation about guns is not a smart idea unless you are pointing one at him.

No offense but I've sold many vehicles to customers who do accounting or work with numbers for a living and they are the worst at getting a deal than anyone else.

It's also standard procedure for you to speak with someone other than the sales guy to discuss the aftermarket items. In fact, they usually don't want the sales guy speaking with you on that stuff. Why? Because the finance guy does it all day every day and is usually a much better salesman!

I would also like to know what warranty you purchased from what company. There are a lot of them that suck. By that I mean they state they will cover specific items if warranty service is needed but then they look for any excuse NOT to cover it. Lack of adhearing to the schedualed maintenance plan for example. If the warranty company states in their fine print that you have to tap your head and rub your tummy at the same time while the dealer changes your oil, you need to do it or they will refuse the claim.

Why would you buy an extended warranty on a brand new vehicle that already has a 5 year 60 K warranty on it. Essentially you bought a 1 year 25K warranty because the factory covers it until then.

The GAP is also interesting. Did you put any money down? If so, how much? The ONLY reason you should ever buy GAP is if you already owe more than the vehicle is worth when you drive off the lot. This most often happens when there is little to no down payment or if you're trading in a vehicle thats worth less than you owe on it so you have to transfer the negative equity onto the new loan.

[herm]

Thats great that you crunch numbers for a living. That doesn't mean you know a single thing about the car business. Did you bother to negotiate the prices on any of the back end items you purchased? Do you realize that unless there is a national program running on interest rates from the manufacturer (and you qualified for it) that you can negotiate the rate? I only ask becasue the markup is probably $1000% on everything but the LoJack. So... do the math numbers guy! 

Additionally if you discussed ANYTHING other than the items you purchased and pricing while you were in the finance office, you fell right into the trap they layed for you. They will purposely try and get your attention off the real task at hand which is the deal your about to sign seperating you from the money you thought you saved in the earlier negotiations. Having a friendly conversation about guns is not a smart idea unless you are pointing one at him.

No offense but I've sold many vehicles to customers who do accounting or work with numbers for a living and they are the worst at getting a deal than anyone else.

It's also standard procedure for you to speak with someone other than the sales guy to discuss the aftermarket items. In fact, they usually don't want the sales guy speaking with you on that stuff. Why? Because the finance guy does it all day every day and is usually a much better salesman!

I would also like to know what warranty you purchased from what company. There are a lot of them that suck. By that I mean they state they will cover specific items if warranty service is needed but then they look for any excuse NOT to cover it. Lack of adhearing to the schedualed maintenance plan for example.

Why would you buy an extended warranty on a brand new vehicle that already has a 5 year 60 K warranty on it. Essentially you bought a 1 year 25K warranty because the factory covers it until then.

The GAP is also interesting. Did you put any money down? If so, how much? The ONLY reason you should ever buy GAP is if you already owe more than the vehicle is worth when you drive off the lot. This most often happens when there is little to no down payment or if you're trading in a vehicle thats worth less than you owe on it so you have to transfer the negative equity onto the new loan.

thanks for posting Mash. i was thinking the same thing, but don't sell cars or work in accounting. 

[cyrus buelton]

Thats great that you crunch numbers for a living. That doesn't mean you know a single thing about the car business. Did you bother to negotiate the prices on any of the back end items you purchased? Do you realize that unless there is a national program running on interest rates from the manufacturer (and you qualified for it) that you can negotiate the rate? I only ask becasue the markup is probably $1000% on everything but the LoJack. So... do the math numbers guy! 

Additionally if you discussed ANYTHING other than the items you purchased and pricing while you were in the finance office, you fell right into the trap they layed for you. They will purposely try and get your attention off the real task at hand which is the deal your about to sign. Having a friendly conversation about guns is not a smart idea unless you are pointing one at him.

No offense but I've sold many vehicles to customers who do accounting or work with numbers for a living and they are the worst at getting a deal than anyone else.

It's also standard procedure for you to speak with someone other than the sales guy to discuss the aftermarket items. In fact, they usually don't want the sales guy speaking with you on that stuff. Why? Because the finance guy does it all day every day and is usually a much better salesman!

I would also like to know what warranty you purchased from what company. There are a lot of them that suck. By that I mean they state they will cover specific items if warranty service is needed but then they look for any excuse NOT to cover it. Lack of adhearing to the schedualed maintenance plan for example.

Why would you buy an extended warranty on a brand new vehicle that already has a 5 year 60 K warranty on it. Essentially you bought a 1 year 25K warranty because the factory covers it until then.

The GAP is also interesting. Did you put any money down? If so, how much? The ONLY reason you should ever buy GAP is if you already owe more than the vehicle is worth when you drive off the lot. This most often happens when there is little to no down payment or if you're trading in a vehicle thats worth less than you owe on it so you have to transfer the negative equity onto the new loan.

1. Interest rate was 1.9%, so no, I didn't put any money down as I am earning x.xx more annually than the interest rate, so it is a terrible financial decision to put money down. I won't disclose what I am earning in my investment accounts, but the spread on the 1.9% verse what my money is earning is large. Therefore, putting a down payment down would have been a bad financial decision.

2. GAP is standard on a loan through VW Financal based in Libertyville, Illinois. I drive the car off the lot, lose 30% right there, car gets totaled. State Farm will not pay me out what my loan is worth, so I am make the beast with two backsed. GAP did not cost me a dime.

3. You are incorrect about factory warranty; It is 3 years or 36k miles, whichever comes first. Please do your research before you mock my decision  . Want me to take a picture of the sticker for you that spells out the included factory warranty?

4. I knew the options before on the other items which I purchased in the warranty and yes, I did negotiate them to an extent, but treaded carefully as I got a very large sum off the sticker. The dealer broke even on my trade and what they sold the VW for.


I am also smarter than the average bear.  

[zooom]

I work in the Automotive industry also...and I can say...extended warranty companies SUCK to have to deal with...it really pisses a customer off that spent 1200-2500 on said extended warranty and they get told that they have to go fight to collect the difference from the warranty company because they only covered said $$$ figure for that repair and it in reality it costs umpteen number of dollars more...so it ends up being a lose for the consumer to an extent in the end...

but I guess since Judd is so smart he already knew that and all the ins and outs of how to work with and negotiate with a warranty company since they hold no bearing or association with the vehicle manufacturer.

[cyrus buelton]

extended warranty is through VW to my knowledge


Mash - 5yr/60k is Powertrain, 12yr/unrestricted miles is paint corrosion pending VW's approval. So far, they have been fair on that.


can a mod lock this thread?

I am sick of bickering about the decision we made.

The car is fun, get's great mileage, and gets it's first road trip this weekend, unfortunately it is due to my wife's grandfather's funeral 

[Monstermash]

1. Interest rate was 1.9%, so no, I didn't put any money down as I am earning x.xx more annually than the interest rate, so it is a terrible financial decision to put money down. I won't disclose what I am earning in my investment accounts, but the spread on the 1.9% verse what my money is earning is large. Therefore, putting a down payment down would have been a bad financial decision.

2. GAP is standard on a loan through VW Financal based in Libertyville, Illinois. I drive the car off the lot, lose 30% right there, car gets totaled. State Farm will not pay me out what my loan is worth, so I am make the beast with two backsed. GAP did not cost me a dime.

3. You are incorrect about factory warranty; It is 3 years or 36k miles, whichever comes first. Please do your research before you mock my decision  . Want me to take a picture of the sticker for you that spells out the included factory warranty?

4. I knew the options before on the other items which I purchased in the warranty and yes, I did negotiate them to an extent, but treaded carefully as I got a very large sum off the sticker. The dealer broke even on my trade and what they sold the VW for.


I am also smarter than the average bear.  

The 1.9 is a great rate and is probably a national VW promotonial rate as I mentioned before. Also, GAP is NOT standard on every VW contract. It is standard on every VW lease contract so unless you leased it I would go check your paperwork. If there is a charge for it (probably around $595), then it wasn't standard. This also could have changed but I doubt it. I was actually a sales manager for VW for 4 years so I have a little knowledge of how they operate.

You are correct regarding the current warranty. It was longer, but they must have changed it recently. My 2008 Passat had a 4/50 comprehensive and 5/60 powertrain.

If you think for a second the dealer broke even on the deal, you're more BooBoo than Yogi. Sorry.

I could get into all the specifics including dealer cash vs. comsumer cash and dealer holdback etc. but I'll leave some of our black art a mystery.  

[Statler]

can a mod lock this thread?

I am sick of bickering about the decision we made.

I did that once and you threw a little hissy fit.  It does take at least two to bicker though.  You could just stop.