How to TAKE CONTROL and Save $1,000's When You Buy a Car | Car Dealership Roleplay

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Today, Kimberly joins Ray and Zach to perform a role-play that shows how YOU can take control in the F&I Office!

[@xanatos387]

I watched this video a couple of days ago. Last night we bought a Chevy Bolt. This video literally saved me $7560 in the Finance office.

[@blakespower]

really? wow they were really trying to rip you off then on a BOLT!

[@embracethesuck1041]

Saying "no" to anything extra is a basic strategy that works.

[@nposeofficial2153]

Wow I'd love to had seen this on cam.. gettin my new porsche this week using all these tactics

[@afarangi4839]

Whenever I enter a dealership, I have a title for each person that helps me. Thief #1, thief #2, Thief #3 and if all of these thieves fail to lie to me and manipulate me, they will then call for Commander in Thief

[@deandrewolf5996]

🤦😂😂😂😂😂🤞

[@StrokaReviews]

🤣🤣🤣

[@zacharydoser8536]

"Commander in Thief." Excellent post.

[@patriot-dv6dh]

Completely agree. I HATE buying cars!

[@gloriousgearhead5367]

I cracked on this LMAO!

[@Koala-Express]

On my last new BMW purchase I politely informed the "extra stuff lady" that before she wastes an hour of her time, I do not wish to purchase anything else but the car. She looked surprised and we moved on to closure. Sometimes the employee knows exactly what the outcome is going to be and agrees to not waste each other's time. She moved on to the next customer.

[@kevs2good133]

She legally has to disclose the products that are offered for a car.

[@andredaedone7732]

Good idea 💡! I will not pay for an extra anything either. If my car breaks out of normal warranty, then I will fix it myself. Rock Auto!

[@craig9843]

I love it. Nothing but crooks.

[@ES-sf1tz]

@@kevs2good133 Disclose can be as simple as offering a brochure, though. It doesn't have to be an hour-long struggle.

[@TwoGendersOnly]

I did that yesterday and she tried to low ball me on my trade in. Then told me theft protection was mandatory. I laughed and asked her how many cars has she had stolen from her in her lifetime? I left immediately. The cherry was the canned "what do I need to do to get you in this car today" I can't stand being lied to my face directly.

[@jeromealode519]

Take it from someone who’s never purchased a vehicle himself, this is the most helpful content I’ve come across so far. I’m literally visualizing myself doing the same at the dealership. Great job guys. Thank you so much

[@chodkowski01]

It’s all about knowledge and knowing how this process works because after you leave with the new car you’re stuck living with the payments.

[@gregory3768]

Excellent. kzbin.info/www/bejne/o4vcnXeZZt2cfpY

[@gregory3768]

Don't worry. One day the knowledge will come 🫴 in handy. 🫴👍🙏

[@fasillimerick7394]

For my first new car, the finance manager offered me the full extended warranty. I told him I had ASE certifications, so I didn't need it. He immediately changed the pitch to "getting an extended warranty shows the bank you're serious. Warranties help things get bought". I already had financing set through my own bank, but I gave him a shot to offer an even lower rate. He was about 7% higher than my pre approved loan. I also made sure we were negotiating at 20 minutes after closing on a Friday night. I had a lot of fun with that prick.

[@KeepingItFishy]

Should you get a bank loan approval for a used car as well?

[@cantguardb3498]

@@KeepingItFishyyep

[@MondaysMakeMeVomit]

I saw u leave this same exact comment on a different car edge video.. kinda weird lol

[@John-vh1fk]

These are great. One thing people need to learn is if you know you do not want these products, learn to say no and be direct. A lot of people don’t like to be stern and outright say no because they feel they are being rude but if you answer with “no, I don’t really think so” or “I don’t think I’m interested”, the seller feels that is an opening to try to explain why they think you need it. When I have been shown this sheet, I let them go through their speech, and at the end when they ask what I think, I say “No I’m not interested” and when they ask why, I just say “I just do not want any of the products”. Usually that ends the conversation. I had a Subaru dealer once tell me “the bank is requiring the extended warranty as part of their interest rate offer” to which I asked “why would the bank care, please show me where they are requiring that otherwise I will just use my own preapproved financing”. They couldn’t come up with it and pulled the “I spoke with my supervisor and he said we actually don’t have to do that.” I know it is illegal for a bank to do something like that if they require you to purchase one of their own products in return but not sure if it is illegal for a dealer to use “coercive tied selling”.

[@johnsenesi9095]

You Guy's must do this more often .

[@CarEdge]

Thanks, John. We were rewatching it and thought "wow, this might be one of the most informative videos we've ever done." Definitely more in the future!

[@SophieMia806]

I'm only 4 minutes into the video, and I'm liking the format and presentation of info.

[@JohnSmith-ld2mc]

@@CarEdge I agree. This is super helpful

[@darmstadtjudy4327]

Absolutely great 😊. Learned so much!!

[@nicholasdalton8296]

I knew basically nothing when I bought my first vehicle and I know I could've saved thousands if I knew about this channel. This channel has taught me so much and I can't wait until I buy my next vehicle. Thanks for the great content!

[@juanmateus8560]

Same. I've bought about three cars from dealerships in my life and I'm pretty sure I've been robbed all three times.

[@sanpedro92]

@@juanmateus8560😂😂😂😂 same

[@chet9128]

This should be a high school class

[@Gamerrgirl12380]

@@chet9128theres a lot of things that need to be taught in school that isnt

[@bobcook8576]

Awesome content. Walked my son through the f and I guy 2 years ago when he bought his first new car. Needless to say he learned a lot in an hours time. Tempers flared and egos were hurt. He learned how to walk out and not lose an extra dime.

[@michaelvol8922]

Dont buy extended warranties. If your car breaks down youll still have to fight with the dealer to get it fixxed. They will make excues that that particular problem is due to your neglance. It isnt worth the hassle and give little to no benifit.

[@confused234milo9]

When my transmission gave it was a major pain with a warranty. And still cost about 5 thousand dollars but don't worry if it breaks again I get another one. Still. Why pay the warranty if it's gonna cost 5k.

[@huntingwhileblack5706]

Thanks for doing these and for the work you do. One thing I love when watching all your content is seeing how much Zach and Ray clearly love each other. As someone who’s close to their father this part of your videos is always so heart warming. The pride in Ray’s face as he’s watching Zach is so wonderfully obvious.

[@antoinealez12]

Fiance Lady: "I'll tell you what" Zach: "That your favorite line but you don't tell me anything". 🤣🤣🤣🤣

[@nicholasperno5293]

GAP insurance from your insurance company is like $50 a year and you usually only need it for a couple years max

[@chodkowski01]

I believe what makes the gap insurance questionable are cell phones. People playing on their phones causing accidents that shouldn’t have happened.

[@nickawilliams5175]

GAP ins is covered by car insurance???

[@nicholasperno5293]

@@nickawilliams5175 it can be - you have to ask your agent/insurance company to add it. But yes they can provide it and it’s cheaper than via the dealer. Plus you only need it for a year or two usually

[@Wes147]

@@nickawilliams5175 All State does but my agent actually told me don’t worry about it since I’m putting about 50% on a Toyota so there are instances when it’s not needed at all, large down payment and low depreciation

[@joshd.642]

Highly recommend it. Honestly, your really probably just forgetting all the products. Guarantee you can find any one of them cheaper from a third party.

[@jimferry4751]

I was in F&I for 40+ years and experienced all the changes in the business over the years. Kimberly does a fine job and bet she is top performer. Would love to know her per copy. I could not take the bell-to-bell days and every Saturday so retired in 2021. Over my career I did the best at Toyota. Great video's guys helping today's consumer navigate the F&I office. I stay on top of the market as my wife is also an F&I Manger at BMW and doing well. Love to help you guys as I have seen every type of buyer. Good work guys.

[@manuelarodas9331]

@jimferry4751 tips when it comes to Toyota? What are must have and avoid at all costs?

[@orion3706]

I'm glad I found your channel. My wife and I are going to look at a car in 3 days, and I'm learning a lot from your videos. My favorite one is when Ray is the customer and Zack is the sales associate and sales mgr. Thank you for what you do!

[@lynej2011]

How did it go?😀

[@RB-hl3ux]

Great do one where there’s a role-play about buying a car with the salesman in negotiating the out the door price, that would be great. Thanks

[@JohnSmith-ld2mc]

Yes!!

[@michellewarren9427]

Roleplay from a stranger that would be better., Someone's honest questions and reactions to what the dealer would be saying to him. Or her or the dog or the cat whoever might be buying.. 😂😆

[@Valmontst]

YES!

[@tomdfrog]

Another reason to go through your Credit Union...mine is $400 for GAP!!! When I get to the F&I office and they start their sale...I let them do their spiel...then I ask for the brochure of the items they are selling so I can read the details. Then I ask for the actual contract to review its Terms. I tell them Thanks, but I need to read up on these. I spent weeks researching the cars to make that decision. I am not going to just sign-up for some unknown product. I then make them mark on the brochure their price and the last date I can make the decision to buy the product. I also am adamant up front that I do not talk in terms of "payment".

[@g7003041]

Would be great to have a real YAA subscriber on the show to do the role play. Great video. For me, when I told the Finance Manager, none of the above or on the menu, he/she would immediately changed his/her friendly face and just start printing all the final doc and no more conversations afterwards.

[@chodkowski01]

Buying a car is a game and people go in not knowing this. They go in blind and trusting the car dealership and get slaughtered. This is the biggest ripoff game out there besides insurance companies.

[@kevs2good133]

That’s because the finance manager couldn’t survive as a salesperson and negotiate lol.

[@Sunset1705]

This was so helpful. I'm about to watch it again and take notes lol. Please do a role play with the dealer negotiating the OTD price.

[@mirandajpace7566]

YES

[@gregory3768]

Good idea. But careful there are some crooked dealerships. kzbin.info/www/bejne/o4vcnXeZZt2cfpY

[@michaelsargent1960]

This was very informative. Thank you so much. Could you do one where you negotiate the price of the car with the car salesperson?

[@yuri2441]

Yes. I would love to see this.

[@maishaadams7324]

Wow…This was awesome and VERY informative…I love the role play, it makes learning and absorbing the content that much easier for me being a visual learner. Please never stop…Thank you for taking the time out to help us!!! You guys ROCK!!!!!!!

[@sweetride7049]

Thanks for sharing. I really got screwed on a used car deal. The car and the price was really good and fair. The dealer kept pushing extra stuff. They told me I needed a leather care package. I told the salesman I really don't need that. The salesman kept pushing back. Of course I really Wanted the car. I again told him I do not need that! The salesman pushed back and said you know we have other client's that want to buy this car. Pure pressure I finally agreed the additional cost was like 2k I will never have a salesman take me for a ride again! Thanks for posting this info. Very helpful 👌

[@Megaramshad321]

When a salesman sees a woman walk through the doors 💰💵 🤑

[@johnschroeder3591]

The last new car I bought, I was approached by a salesman online from a crosstown with a price for what I wanted. I told my local guy this and he said he'd beat that price. When the finance guy asked how long I want to keep it, I told him, "till I die." I held out on any add-ons and got a new car at a fair price.

[@hopefully2224]

I literally despise the car buying experience. This info helps but knowing they're trying to push this crap on me I would still get angry. The length of my time they waste is inexcusable.

[@mrgregory322]

Thanks guys! FYI - I ordered my Mini Cooper S from Dave Smith last week. He’s great. That was the simplest most transparent automobile purchase I’ve ever made. Thanks again for referring me to Dave. He was flattered by your kind words. 😊

[@CarEdge]

Gregory, I am so glad to hear that. Dave is truly one of the good guys in the car business. All the best and hoping that you enjoy your new MINI when it comes in. Ray

[@mrgregory322]

@@CarEdge thanks brother. Couldn’t preorder a works so got a two door mini cooper S in island blue with with white top and the new 18” blue union jack wheels and white bonnet hood stripes. Looks pretty. Probably add some more fun stuff after I get it.

[@catz-media]

If its too good to be true than it is. He might have use new nano lubricant so you come out the dealer like "oh, that was easy, i didnt feel a thing" wait few week when your buttoks starts hurting. Best car salesman is the buyer himself while doing peer to peer transaction.

[@halfmanhalfamazing9812]

@@mrgregory322 yeah we got ‘em 😂

[@championgibson280]

I sold cars for years. I always purchase a service contract. My last car's service contract paid for itself the first month. And my prepaid oil changes saved me money in the long run. My personal advice is to pay for these add ons with cash if possible and not finance them, it will make life easier when refinancing.

[@craigcarter400]

I remember when buying a car recently, I saw the cost in one column and the payment in the other column next to the “menu items”. Didn’t take anything extra lol. We could tell the finance manager was doing their best in hiding their frustration.

[@pinky882]

Yeah, all you have to say is no. When I bought my Subaru at the beginning of 2021, I told the finance manager that I did not want to buy anything extra. He tried to give me his best sales pitch, "the warranty's are $1800 off, blah, blah, ...you really, blah, blah". I politely told him that if it did not come from the factory, I do not want to buy it. He politely told me we were done and gave me back to the sales person...haha!!!

[@HaroldGuthrie-qc3xb]

My gosh why does a vehicle purchase involve so much gamesmanship from the dealership? It seems like no other purchases are like this. These are excellent educational videos. They’ve sure helped me. Thanks so much.

[@ms.b9093]

Gap is even a scam. Your own insurance provider can add this to your existing plan for way less than the dealership

[@roxana7700]

Thanks!

[@weirddingus4620]

Aren't most people paying over MSRP right now? I've seen some people who say they only paid msrp, but I've seen a 3 - 3.5k markup to be fairly standard in today's market

[@ns-si5wb]

5k markup at Honda

[@deannaladratdsphne3546]

Thank you so much I'm 1 time buyer, and husband is away.. it's all on me.. I feel I can do this..watching all your videos is so helpful. That young lady is my hero..way to go !!

[@calmmorningdew]

Is there a role play like this for negotiating with the sales rep before going to finance?

[@markday5797]

The buyer is always in control. Just have to take control and be willing to walk out if you are dealing with a stealer of a dealer.

[@heiscalling]

Thanks for your tips and videos that help regular customers who all too often just trust what salesman tell you. Many like myself have been ignorant of what is really going on in buying a car. Good job! thank you! I am learning a lot from many of your videos. I think I have been victim of some of these tactics over the years.

[@chodkowski01]

You said the key word. Trust, to many people believe that the dealerships are there to help them. The truth is that these are sales people working to make money and will take advantage of your friendly face. Afterwards they will be sitting around laughing how they just took advantage of buyers.

[@JQuintero189]

Just wanted to thank you guys. Because of this video and a few other ones on your channel, I was out able to walk out of the dealership with an amazing deal and knew exactly how to navigate the waters with the finance guy towards the end.

[@bc5843]

I'm betting dealers use your videos as training videos. They are expecting your advice before you walk in the door.

[@JohnSmith-ld2mc]

Do you recommend going at the very end of the day? Would it pressure them to make the deal so they can go home?

[@ladonnasimpson2954]

Thank you I'm learning a lot being a woman shopping for a car can be hell on wheels if you don't know these things single mothers some times have to shop alone and we really get taken advantage of 😞 thanks

[@heaventime9148]

I regret that I was taken advantage of but by watching these videos I have become more educated as a result of YAA.

[@franksmythe6969]

Keep in mind you can always purchase an extended warranty at anytime before your factory warranty expires. Also if you put down 20% or more don't let them sell you gap insurance.

[@cgmiddle]

Good point!

[@KaceyMoulton]

Can you explain the 20% or more thing? Like what does that do for gap insurance

[@bassmastadee8246]

@@KaceyMoulton I'm assuming it's because you're already paying for the depreciation of the vehicle out of pocket? I'm not sure because I'm learning myself.

[@raiden031]

Car insurance companies offer gap for way less than the dealer

[@franksmythe6969]

@@raiden031 I get that. My point was that if you pay more than 20% upfront gap insurance isn't necessary.

[@jakethesnake9973]

So one the the coolest experiences last week was all of this process was done on a smart desk in the finance office. The menu was easily comparable, contracts and applications were done via electronic signature and when done I got a flash drive with all my finished paperwork on it not a binder of nonsense. Helped me compare a base warranty to yours and I asked questions you suggest like “by rate” and “how much do you acquire this policy for versus what I will end up paying”. The finance manager was shocked and I got him to lower the interest rate by a full percentage and cut off $600 on the extended warranty.

[@rontopp]

Buy rate

[@MA-wr8tv]

I'm buying a car at the end of the month in Bethesda,MD and this video might have just saved me some money. Thanks guys. Ps. I'm having a consult call on Monday evening with Candice B, I can't wait.

[@chodkowski01]

I would look to see if the vehicle has the pin striping, wheel locks or whatever ever garbage they try putting on the car to get more money from you. Pictures will help you. Just show them pictures of the car without these accessories and just say I want the car I looked at before you installed dealership accessories.

[@backblackmsp9298]

This stuff should be taught at school . Brilliant stuff guys !!!

[@PistachioBandit]

I really wish this stuff was taught in school.

[@tonjirucker999]

Not gonna happen. The risk is too great to their bottom line as is with access to online info. You either do your homework or get trapped.

[@klah2u]

i think you should use one of those workers who wander the office in the background to be the customer. would be more realistic. first with no YAA training to get a baseline...then come back a week later and re-do with a knowledge pool of YAA training to see how it differs

[@SophieMia806]

@@user-ly4td6vg2k ...Quit stealing their page name and image, and quit trying to scam people. If you're going to try to scam someone, do it on someone else's page, not the page you stole their name and image from. Geez.

[@TwilightZoneX]

I helped my sister buy a car a couple weeks ago and this scenario couldn't be more accurate! Kimberly you are perfect but you never got angry ... Maybe my F&I just gave up in distress because I intimidated him because I knew what to expect from YAA.

[@chodkowski01]

I had people ask me to go help them buy cars but when I get involved with the sale they cut me out then all I can do is sit back and watch them crash. Afterwards they realize what they did wrong and I explain it to them. I won’t go with anyone anymore. I’m objective so I have no emotional attachment to the car. People will sign any contracts so they can get into the new car and start driving.

[@jacquelinegrace3]

@@chodkowski01 Can they do that?? Cut you out of the conversation?? I would love to have a friend like that go with me!!!

[@pennjazz]

​@@jacquelinegrace3- chod meant the person that asked him to come along cut him out of the conversation.

[@jml9550]

Yep. I have never bought any after sales products. And I always pay cash.

[@freeshipping9643]

Knocked out of the park. This is tremendous! Really really exciting way to prepare for the actual interaction. Thank you for your time.

[@tdz69]

Bought a Honda Odyssey in 2010. It was an 07. Did my research and the salesman, several times, touted the reliability and how long Hondas last. Worked out a great deal. Went into the F&I guy and when he got to the extended warranty I told him “none of you are on the same page.” He asked me who it was referring to. I said the salesman I just dealt with and even Honda. I went on to say how much I was told about the reliability etc so why would I need an extended warranty? Lol. I got out of there with no add ons and kept the agreed upon purchase price. I was also pre approved from my credit union. Still have this 07 odyssey and running strong. Watching these videos Becusee I’m in process of getting a vehicle for my daughter and I’d rather get root canal without anesthesia. Haha.

[@jltplease]

Going to a dealer tomorrow. They have a car for 44k already marked from 47k, and I'm going to shoot for them to sell me the car at 40k OTD. Wish me luck.

[@michelesauro7086]

How’d it go

[@jltplease]

@@michelesauro7086 with OTD, it was 67k. I walked out and they called me a week later saying they would sell me it at 44. Passed

[@nycrich139]

I was polite, I listened and listened, mostly a waste of time. At the end when the salesman was looking to close I stated I liked the car and informed him what I would pay, out the door everything included, tax, license etc. He wasted no time saying no and tried to negotiate. I told him negotiations were over and if he couldn't meet the price we should part on friendly terms. He continued to sell and I walked out. The next day he called and tried to get me back in the dealership, I asked if they agreed on the price, he hemmed and hawed and I cut him off and told him to call me when he can meet the price, but don't wait too long because I'm looking at other cars. He called two days later and I blew him off. I didn't buy anything at this time.

[@patrickmorrissey2271]

This is actually very educational, and very well done. The other thing Zack (the customer) could have done is, especially after watching this video, is, PRE SHOP all this stuff. Go to a forum or something, on the truck or car you want to buy... Start asking, what does the Platinum Warranty really cost?? What's the lowest anyone ever paid??? Do they really pay for repairs, or is it all the sudden a big hassle?? There's websites too, that go over all this.... So, a fictitious example: Now that Zack is armed with holsters full of knowledge... armed with that knowledge, Zack could brace the nice finance lady with "Look, HOW MUCH is the Platinum Warranty".... She will reluctantly say "ohh, it's $3895, but, just the screen in the dash of your new truck could cost that to replace!!!" Which might be true, but the young Zack, knowing that the bottom line on that warranty is like $2000 or so, can say "Look, if you wanna do the warranty for $1900, I'll do it right now, otherwise I gotta shop around on that, or my Dad will kill me..." Aaaannndddd, see what she says! She might say yes! Or, she might come back and say look, $2050 is the lowest I can go on that warranty..." And maybe you say okay, knowing that that IS a pretty good number.... KNOWING, what is going on, in the F&I office, is at least half the battle... Also, where are you buying key fobs for $50?? Could you put up the link?? Last time I needed a fob it was $110-ish for the fob, and then $100 to program it.... Or maybe I got scammed, but I shopped it some....I found out later a local locksmith guy who kind of "specializes" in that would have got me a new fob for a little less, and programmed it for a little less... but not massively cheaper. Not $50 bucks, wow. Maybe you guys really have never lost a fob....

[@cgmiddle]

I liked your video / role play. I have bought, financed, and leased many cars over the years. Rarely have I come across sales pitches from the Finance mgr. It has happened with a few, but not many. Working with local dealerships..where I get to know the sales and service people has always worked for me. Having said that...I am not going anywhere near any dealership until the auto market stabilizes. I truly feel empathy for anyone who absolutely must buy a new or used car in March 2022....your good work will really help. Thanks

[@Birdmacher]

Why would he pay $700+ for GAP coverage when auto insurers offer it for $20/year?

[@gymnastchannel7372]

This.

[@ABlessedMomIAm]

Cause that 20$ a year can go way over the 700$ flat

[@Birdmacher]

@@ABlessedMomIAm How so? It would take 35 years just to break even. And Gap coverage is usually only necessary for however long the outstanding principal is greater than the current value of the vehicle, and that certainly won’t take 35 years. Gap coverage from the dealer is a scam, plain and simple.

[@Ghettogirlstories]

I worked in the service department and for Kia and they did that there is well in the service department. They will mark up your tuneups oil changes anything that has to do with service you’re at advisor is going to mark it up because they get commission.

[@anthonysalicrup7539]

Guys, excellent approach for the different situations in a dealer. Thank you.

[@chodkowski01]

He’s playing the part of a savvy buyer not an inexperienced or experienced buyer.

[@robertfranz9506]

As soon as I hear I am getting a Friends & Family discount, I know they are screwing me. Amazing how blondie resists disclosing the price. That should be illegal.

[@JC6one7]

If anyone quickly flips a paper, slides it over, and easily underlines/highlights words that are upside down to them, RED FLAG!! freaks me out.

[@richardmartinez9076]

Just bought a new car today, happy with the experience and deal. Dealer was clear on pricing as they did not negotiate on the car price, $700 over invoice and they were clear on add on pricing for each item. They asked me which if any I wanted to buy or not buy so they can get the paperwork going. Finance manager said they do not want to waste their or my time and everyone gets the same deal amd don't try to take advantage of people, I was out of there in about 90 mins. Best car buying experience in my life, don't think I'd ever go to a dealer that negotiates pricing ever again.

[@jml9550]

My record from arrival to drive off was 60 minutes. No car wash, no after sales products, paid the car in full, no need to show me how to set anything up…….

[@discoveryoutdoorskcfishing236]

And this is why car dealers hate me. I have never bought a brand new vehicle that I didn’t get for so cheap and everybody was pissed off at me. Granted, I usually have to drive four hours but I always get it for six to $8000 under what everybody tells me I can get it for and I don’t pay for any of the extras, I just bought a 2022 ram with 9000 mileage for $27,000 after a dealership told me the exact same truck would be no less than 55,000 the trade-in value was $31,000

[@sambaxrock]

Last time I had to buy a car I’ve taken a friend with me that is way more finance savvy. I pretended I had strep throat and he did 99% of the talking. At the end I GLADLY paid him 1k for his day ( which he he’ve asked for) for saving me thousands on the final price.

[@Thats_X_]

I did similar thing but I was Otp and started sending pictures to a friend to help me. Mines was free. I think I got him some food or something.

[@cogtager]

When he asked for the individual costs for every add on is what I did with my Kia Forte GT lol once I saw those prices I told the finance manager why all these are so expensive? I basically trumped him and had him in The bag. So make sure you ask all these questions and make sure to negotiate the total msrp of the car and discuss the monthly in the finance managers office 👏🏽👏🏽👏🏽

[@birdnana]

Really enjoyed this Zach, Ray and Kimberly. You guys rock!

[@fredericomacabu2618]

$50 for a new FOB key, more like $250-$ 500.

[@cjdiffin7237]

Thank you for bringing these issues to light for those who dont understand the process. ALWAYS taking an experienced car buyer with you.

[@PistachioBandit]

All this info is so good, I wish I was more confident and better at math because I know this will be harder to do in person.

[@8Evieluv]

This is great role playing!!! I’m more confident going in

[@elizabethYtorres]

I’m a tough cookie and I remember years ago going in to a dealership and I wasn’t getting the out the door number I personally wanted. I walked out. Another salesperson was coming after me and the manager literally said “just let her go”! He was mad mad 😂 that a lady didn’t cave.

[@kevs2good133]

Yeah because you’re probably asking for something crazy like 500 below sticker.

[@elizabethYtorres]

@@kevs2good133 hahaha too funny

[@jonwasowski]

GAP insurance is totally a must have if you are buying a new car. Specially if it's not a Toyota or Honda.

[@kevingregoire2764]

You should make a video where you talk about average prices for products. Eg- Key cost on your own, Oil change, tire rotation and other details on average if you were to do it on your own. For the breakdown of the menu items. Just to see the price gap between reality and the dealership.

[@suespony]

I never play the " what is a comfortable monthly payment for you" game. I stop them cold on that one. Just let me know what the selling cost of the vehicle is, and what are you willing to give me for my trade in. That's all I need.

[@duke6j]

I like the statement that I have to get that cleared with my boss concerning the GAP insurance. I always get that answer!!

[@julietrimble2049]

This video helped me save hundreds! As soon as I started asking for actual prices and removing bits and pieces from the packages, the cost came down dramatically! Thank you! Now I have the protection that helps me sleep at night but I don't feel like I got robbed.

[@engineeringoyster6243]

My joke is always, “I know there is always more on the table until the salesman and sales manager have chipped in part of their commission.” If Penetration is so important for the F&I guy, he should pay the customer $50 each for each of those coverages. e.g., price the Gap at -$50 rather than the $795 shown in the video. My attitude is, “If they lose money on one deal a year, I want it to be mine.”

[@swcrites]

Boy, I wish I had known about this channel before I bought my last car. Now she's paid off though and I'm in the market for another so I appreciate these videos very much. Subscribed.

[@thegerm574]

As a business manager, for a car dealership, I’m never afraid to discuss the prices of the options with the consumers if the finance manager or business manager, is, then they have something to hide.

[@perezed1333]

Once I got a car told them I didn't want anything extra they said ok I signed everything and when I got home I realized they still charged me for it . Had to complain luckily they gave me a new contract without all the extra charges

[@cb35x]

check with your auto insurer for GAP, the one product zach purchased. GAP should be about 50-100/policy year.

[@csl9495]

One thing i dont understand about Caredge is why they give us all this info, yet they themselves are in thr car selling game

[@jimb5113]

I asked a Toyota dealership for a copy of the figures. Finally the salesman ran out with a sales paper but it was not complete and not even on the car I had looked at. I was going to go back for their figure price until then. I drove away and never went back. Another dealer got the sale. It seems once "price comparison" is mentioned dealerships stop wasting their time. To me that means competition is so strong they will not even try. All they want are sucker sales.

[@ScanFan_Ed]

I don’t know how most finance managers sleep at night or live with themselves. I took my daughter in to purchase a car, and had warned her what was going to happen in that office - and it did… The finance manager was sleazy, making the dealership look bad. The finance manager was not happy that we shot him down on everything.

[@USATFJUMPER]

totaled off the lot!!! dang that sucks but wish this was something I had when I purchases my car back in April. That being said, this is a great video I will use this in the future. Thank you for what you all do

[@susanyamich527]

I have seen it happen

[@patriot-dv6dh]

With today’s prices, $30k, $40k, $50k++, if your car can’t last AT LEAST 5 years on standard maintenance I’m NEVER buying your product again. With all the extra insurance/warranties aren’t they basically saying: “We know our $hit’s going to break, you’d better cover yourself!”? Sheesh!

[@jml9550]

Buy Toyotas and Lexuses are your best bet. Those extra warranties are useless in terms of probabilities.

[@jonsandstrom2356]

I recently purchased 2 Dodges in Florida and the finance manager was unwilling to negotiate the price of the extended warranties period. The only way she came down on price was to purchase a lesser warranty. No budge at all even when I turned it down.

[@kingjames1308]

Buy from chrysler warranty direct or another online like Ziegler. Never buy extendeds from dealerships. They mark the crap out of them

[@TakenTook]

Never signed up for any extras until recently, deciding to at least get the tire and wheel protection on my latest car. Because with the older of my two vehicles, after my usual "I don't want any extras" process of declining the offer of various types of insurance, we had some very bad winters here in Michigan with lots of potholes. And for the first time in over 40 years of Michigan driving I learned the hard way that no matter how carefully you drive, the pavement is sometimes so chewed up in every lane that you cannot avoid every pothole during heavy traffic without crashing into somebody else in another lane, or slowing down so much that you risk getting rear ended. After having to pay full price twice to replace tires on my truck in about a 6 month period due to bad potholes, I opted to get that specific type of insurance on the next vehicle. And I have been glad about that because I've had to utilize it once already on the new car, and this time everything was covered, no charge. Much-needed repairs to our roads finally got underway this past year, so maybe I won't need to use it again. But if I had it on my other vehicle, it would've already paid for itself.

[@karengrant3468]

I’m in such fear of buying a car that I feel everything they say is fraud and so I won’t pay for anything they are trying to sell me because it’s all just a money maker for them. But then part of me feels but what if I really needed one of those things! I’m so afraid of getting screwed by them but I’m afraid I’ll screw myself in the long run….. can’t u just come with me please!!!! 🙏🙏🤣

[@Tara-dd3qn]

Thank you all so much for these videos. I feel a lot more confident going into the car-buying experience.

[@dmorris5458]

This is the absolute best resource on KZbin hands down. Thank you so much for this guidance!!

[@cybercruiser69]

$795 for GAP, DANG!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Is that for multiple cars?!?!?!?!? :-)

[@metalmike570]

What's the first thing on the list the VSE I think he said ... at11:48

[@federal6616]

I've paid it before. Until the post office credit union told me they have it for $225

[@neriomalo1976]

29 months ego I went to buy a car at my favorite Honda dealer here in NY, everything went like in the video but w an ugly sad end. Once the manager felt cornered he just took me out of the office and they took hostage my drive license and credit card for almost 30 minutes or more I think. About the menu products not even dream about taking any documentation hihihi…..is top secret stuff

[@robertrichey2231]

Hey Yaa thank you for your videos it helped me prepare to buy a new car, I finally was able to purchase the car I wanted and also to my surprise the finance manager had all the prices for items on the menu already I didn't have to ask for them. This time around buying a car was actually pleasant. But most of it was the dealer though they were really good. They gave me a good deal and didn't pressure when I didn't want to buy a menu item. I think what also helped was just knowing how the process goes. I think many of us aren't sure how the process goes and it can cause some stress. Also what was big help from your videos was going over the extended warranty. They did give a discount but I still didn't purchase because not sure if I will keep the car that long. Thanks guys

[@kevin1117spencer]

Thank you for what you do...this just reenforces that dealers are scummy

[@davidfoulk3078]

I walked out of a F/I office once when I asked if I could double dip a warranty claim. You know, Claim it on factory 3/36 year warranty and then turn right around and claim it on the additional extended warranty after some word salad and word trickery he said no. He said that only after the factory 3/36year warranty was up would this extended warranty pay. I walked out when they tried to charge me for something that I couldn’t even use for three years, such a scam. BTW I only drive 10k miles a year.

[@triple6758]

I bought a new truck in 2006. Younger salesman helping me. I chatted him up and in his woe is me story he let slip that a certain number of sales in a month would qualify him for a drawing on a new Harley Davidson. Costly mistake young man. I got the price I wanted. Bought new again in 2021. Worse by far experience at same dealer. Finance dude clicking his pen was his tell for when I was poking a soft spot. He realized what kind of customer I was fairly quickly. This dealer used a flat screen display as their bamboozler, changing figures around this way and that. I feel bad for most buyers.

[@Mr.Mopar.23-7]

I'm excellent in this office. No on everything. Usually get a little attitude when I reaffirm my no's on everything.

[@flipper644]

Great video! Thanks for educating all of us!!

[@kyleboone8042]

What would really be awesome is if there was a way you could sneak audio into a dealership and just act like your buying a car so we can see the different styles of salesman tricks and responses

[@garrettthompson7]

As someone who is currently in F&I, a menu should be full disclosure. I answer any question my customer ask, and make sure that they know what they are paying for and why. Kimberly, I truly hope you are not in F&I.

[@Sandra-ly1ss]

Lol actually this is exactly how things went down when I purchased my last vehicle. The salesperson "took" me into the finance mgr's office .. wow, smh

[@Senerian]

We will need to go over specifics on what is covered in that warranty, and if this is a new car then that warranty need to be included at no additional cost or I would leave.

[@luisjalvareztorres8481]

What the finance department offers you us extended warranty. As in it extend beyond the factory warranty. All brand new cars (and some use ones) come with factory warranty.

[@spiderfly9684]

Hello , Years back In 2001 when I worked for third tier supplier, we had a discount To buy any Chevy . We choose to buy Saturn For the family. Finance person advise us strongly to get gap coverage. It wasn’t was choice because after buying the car, the company I work for was making the engine Block casting and that block had lots of issues. So In a year and a half we traded that vehicle and got rid of the gap coverage portion of the gap coverage payment back to us. Now we have a 2015 Toyota Corolla le No gap insurance it runs great. He gets the oil change in it every 3000 miles now I change the oil because one of the mechanics Left the filter wrench stuck on the car. The only way I found out that I gotta ramps To see what the bottom of the car looks like and that’s how I saw the wrench stuck on the filter. Lol

[@jjustin5177]

Thank you Thank you Thank you I just got a new 2024 outback touring xt with a trade-in I had an outback limited 2017 long story short it had 63,300 miles and because of you guys I got the new car out the door with the trade-in. $27,000.00 I put down $5,000.00 on my visa $485.00 a mouth for 48 months how did I do. free oil change for life. I'm in FL.