What cars do you people have?

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What cars do you people have?

Postby TheCatt » Fri Aug 10, 2018 3:47 pm

I think Google's voice to text is missing something here, or the Senator has fallen on hard times.
Hi Jeff, this is Devon with Senator John Kerry. I just wanted to reach out to you real quick from our internet sales director and saw that you had some interest in the Costco auto program with the 2018 Kia Sedona.
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What cars do you people have?

Postby Vince » Fri Aug 10, 2018 6:23 pm

They'll be telling you they're a Nigerian Prince next.

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What cars do you people have?

Postby TheCatt » Tue Aug 14, 2018 1:04 pm

Do yall use USAA for insurance/loans/stuff?

I've used them for more than two decades. But their auto loans we not competitive for some reason. I had to qualify at BOA then get USAA to match that rate (55 basis points lower)
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Postby Leisher » Tue Aug 14, 2018 1:14 pm

TheCatt wrote:Source of the post Do yall use USAA for insurance/loans/stuff?

I've used them for more than two decades. But their auto loans we not competitive for some reason. I had to qualify at BOA then get USAA to match that rate (55 basis points lower)


No. I checked them out, but they were way overpriced for auto insurance. We use Progressive. Signed up with them years ago, and now we've been with them so long that nobody else can touch the rates we're getting.

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What cars do you people have?

Postby GORDON » Tue Aug 14, 2018 1:34 pm

Leisher wrote:Source of the post
TheCatt wrote:Source of the post Do yall use USAA for insurance/loans/stuff?

I've used them for more than two decades. But their auto loans we not competitive for some reason. I had to qualify at BOA then get USAA to match that rate (55 basis points lower)


No. I checked them out, but they were way overpriced for auto insurance. We use Progressive. Signed up with them years ago, and now we've been with them so long that nobody else can touch the rates we're getting.


Every point you just made....same. no one can touch all the longevity discounts I have through Progressive.
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Postby TheCatt » Tue Aug 14, 2018 1:36 pm

Interesting. We have USAA for auto, life, house, property, and umbrella. About $70/month for both cars.
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What cars do you people have?

Postby Cakedaddy » Tue Aug 14, 2018 1:59 pm

TheCatt wrote:Source of the post Interesting. We have USAA for auto, life, house, property, and umbrella. About $70/month for both cars.


Your cars are 11 years old though. Do you have full coverage?

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Postby Leisher » Tue Aug 14, 2018 2:07 pm

Cakedaddy wrote:Source of the post
TheCatt wrote:Source of the post Interesting. We have USAA for auto, life, house, property, and umbrella. About $70/month for both cars.


Your cars are 11 years old though. Do you have full coverage?


Great point. Catt probably also gets discounts for having all those other items insured.

BTW, I just did the math on that, and with full coverage on two cars (one brand new, the other 3 years old) our price isn't much higher than your price.

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What cars do you people have?

Postby TheCatt » Tue Aug 14, 2018 3:16 pm

Cakedaddy wrote:Source of the post
TheCatt wrote:Source of the post Interesting. We have USAA for auto, life, house, property, and umbrella. About $70/month for both cars.


Your cars are 11 years old though. Do you have full coverage?

No collission, obviously.

I'd shop, but USAA has always had fabulous service.
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Postby TheCatt » Wed Aug 15, 2018 9:12 am

Interestingly, I added a brand new car (as a quote), and it only went up $15 /month, with collision, etc.

Also, no wonder Kias depreciate so much. Shopping a car with MSRP of 39,600, and they're willing to go $30k even out the door (so $28.5k before taxes/tags/titles/etc). Honda would only drop $4k off a 2019 Odyssey.
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Postby TheCatt » Sat Aug 18, 2018 12:30 am

Honda was willing to go 4k off MSRP. Kia went a little more than 10k.

According to TrueCar, we got a better deal than any deal in their database.

Image

The prices they list are without: Dealer installed accessories, Taxes, or Dealer Fees (delivery/doc/etc)

By those stipulations, we paid ~$28,500.
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Postby Leisher » Sat Aug 18, 2018 1:57 pm

Nice.

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Postby TheCatt » Sat Aug 18, 2018 2:22 pm

Leisher wrote:Source of the post Nice.

I have to do something to make myself feel good about buying a Kia.

Hopefully it doesn't break before the loan is over. I've never done a car loan before. I was surprised that you could do 100% financing without any issues (no lower rate for more down payment, etc)
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Postby Leisher » Sun Aug 19, 2018 1:39 am

Take care of it and I'm sure it'll last you. They clearly aren't the top of the line cars, but anything taken care of will last.

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Postby TheCatt » Sun Aug 19, 2018 5:29 pm

Leisher wrote:Source of the post Take care of it and I'm sure it'll last you. They clearly aren't the top of the line cars, but anything taken care of will last.

I mostly agree with you... but I mean... I don't buy Chrysler, Land Rovers, Mitsubishi, or Subaru for a reason.
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Postby GORDON » Wed Aug 29, 2018 7:14 pm

Well the cat's out of the bag, 2015 Nissan LEAF, 25k miles, $11k, through the Costco Car Program. Kept the truck. Didn't have to wheel and deal, Costco set the price. Probably could have gotten a little off if I cared too much about it. I wasn't planning on mentioning it because I didn't want to hear a bunch of shit about it.

All electric. 85ish mile range on the highway, 100ish miles in the city. It generates power back to the battery from the frequent slowing down/braking actions of city driving.

It's got killer acceleration. No one is going to beat me out of a red light unless they have a big engine and really make it go loud.

About $3, at my regional cost of electricty, to charge it up from zero... which means I get about 100 miles from the cost of a single gallon of gas.

No oil changes or fuel line leaks or muffler replacements.

I bought the extended warranty, which also covers the battery, so I'm good for another 7 years/125k miles if the battery status goes from the full 12 bars I have now, to 8. If we have another cold winter, I suspect I'll lose a bar, but this thing came from Connecticut, so who knows.

I was paying about $250 per month gassing up the truck, before I even counted oil changes and other truck maintenance. My entire LEAF payment is just shy of $250. It's basically a free car.

The one thing that DID surprise me was the insurance payment, about $55/month. My 2011 F-150 is only $31. That seems odd, to me, and I didn't anticipate that.

I've had it a few weeks now, and have been doing the normal commute for 2 weeks, and I'm very happy with my purchase. No ragrets. It's perfect for what I use it for.
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Postby GORDON » Wed Aug 29, 2018 7:15 pm

Oh yeah.... the first time Will was in it, and I was telling him about it and how it's "zero emission," he said, "Yeah, but you are creating a pretty big cloud of smug right now."

He's funny.
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Postby GORDON » Wed Aug 29, 2018 7:19 pm

Another oh yeah.... The Nissan lady was the 2nd salesperson I talked to. I gave my usual Ford guy a chance, first. I emailed him a list of things I needed for the cost I wanted to pay... "amazing mileage" being bullet point #1.

He only wanted to show me used Ford Fusions, with more miles and a couple thousand higher in price, which he said only get 25 MPG, city. I told him my truck already gets 18 MPG, and he didnt want want to show me anything else. I texted him from Nissan and told him don't wait up... he sniped back, "Never lost a sale to a Leaf, before." Dude. I don't know what he was thinking. I guess he was under orders to push the used Fusions, that day.
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What cars do you people have?

Postby TheCatt » Wed Aug 29, 2018 7:38 pm

GORDON wrote:Source of the post No oil changes or fuel line leaks or muffler replacements.

The low maintenance is nice, too.

GORDON wrote:Source of the post I wasn't planning on mentioning it because I didn't want to hear a bunch of shit about it.

Nice. A friend of mine bought a little older/more used one, and uses it as a commuter as well.

GORDON wrote:Source of the post I texted him from Nissan and told him don't wait up... he sniped back, "Never lost a sale to a Leaf, before." Dude. I don't know what he was thinking.

"Get used to it" probably doesn't quite work.
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Postby TheCatt » Wed Aug 29, 2018 7:41 pm

We contacted 12 dealers. 5 we responded to. We tried to use the CostCo program for 1) Honda Odyssey and 2) Hyundai Santa Fe. It did get us the best Odyssey price (well, another dealer was willing to go $100 lower, but that was it). I don't know what happened with the Hyundai, but they people said "Your costco price is X" Me" Your online price is $3k lower than that already." THem" Uh, lemme check something"... and never got back to me. (Oh, and CostCo did better than both TrueCar + USAA car buying programs)

We visited 3 dealers for test drives/bargaining. The Honda guy had made all sorts of lavish promises to my wife (she had visited by herself a few days earlier), then was just an ass when we were all there ready to buy. So told him to (kindly) go fuck himself.

The Kia people were the most willing to negotiate (I mean , they're Kias). I feel like I could have played them against each other for a few hundred more, but it was taking up too much of my time and I was done.
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