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Shack Miller

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Most people hate the car buying experience; I don’t. I love it. I love the back and forth and treat it as a game I am determined to win. I don’t understand why car dealers make it so painful to buy vehicles; the process is slowly changing but for most people it is like getting a root canal without any anesthesia.

Here’s a couple of things I have learned and pass them on to you to help ease the pain of buying a Maverick (or any vehicle). I recently bought a “new” 2025 Maverick at a great price and while I can’t assure you that you will save a bunch of money, some of the items here might reduce the stress.

Understand dealer financials-A car dealer makes money on both sales of cars (new and used) and on service. Service generates 40%+ gross margin vs maybe 2-3% on new sales and 10% on used sales. (I didn’t even address in-house financing which is also a huge profit center as well) Generally, the dealer has 90 days financing from the bank to have a vehicle on the lot interest free. After that, they start paying the bank for having the vehicle. The manufacturer offers them a guaranteed profit in the form of monies called holdback which can range anywhere from 1%-5% of MSRP depending on the model. This is sacred money to a dealer, and they are highly reluctant to dig into his pool to make a deal, but under some circumstances will do so. So, when you sit for 4 hours and think you have beat the salesperson into submission and he sighs and tells you he is not making any money but will sell at his Invoice cost plus $100 to make both sides happy, understand they are making the $100 PLUS the holdback monies as well. He just made 2-3% which is average. It’s not much but the true goal is to move units. (They will attempt to make more profit from you once they get you with the finance dept to finalize the deal.) Making their sales goals from the manufacturer helps them get more popular models allotted to them later. A dealer will take an actual small loss on a sale if they need to make a sales goal. Making the goal unlocks a bonus from the manufacturer back to car 1 sold in the quarter. They might lose $1000 from your sale but unlock 10’s of thousands of dollars in total for the cars they sold in the quarter once they enter the bonus round from the manufacturer.

Know your type of dealer-
Are they a small town “aw shucks” store, a no haggle, “our price is clearly posted” store, or large volume “turn ‘em and burn ‘em” multi-location chain store? All of them negotiate. They just do so quietly and in different manners. The trick is to determine their method of doing so then using the same language to engage them. The small-town store is less pressure-filled, but they are also least likely to deal aggressively initially. They will wait for the “right buyer” to come along. The fixed price store does not consider offers and will deal only when presented with confirmed, in-writing, competitive offers usually at the end of the quarter. The high-volume dealer has plenty of inventory and you can score some great deals anytime but will subject you to thumbscrews and water torture as you deal. Remember, though, they all want to sell a vehicle. Your job is to find their hot button and not only push it but make it totally inoperable after pushing it so hard and so often.

Do your pricing research-Know what others in the market are paying for your vehicle. Autotrader.com and cargurus.com is where I got a lot of my pricing info. I even built a simple excel sheet consisting of the date I first noticed the vehicle, the dealer’s name, the VIN I was interested in, and the price. Over a month’s time, it was interesting to see how some had moved and some had not. You want to make a great deal, but you must be reasonable. There is a difference between an aggressive offer and a lowball offer. An aggressive offer is backed up by facts, competitive info, and history. A lowball is just a number tossed out to see if they are dumb enough to take it. They aren’t. You lose credibility when you lowball a dealer. Know your numbers, defend your numbers, and stick to your numbers, but don’t be foolish. No one is in business to give you a vehicle.

Study the inventory-From above, a car on the lot sitting there over 90 days is now moving to the top of the list the dealer wants gone. Ask them how long the car has been there. Check the build date on the window sticker to determine how old the car is. An older vehicle begins to accrue “curtailment payments” the dealer pays to the bank to keep it. Dealers are in the business of selling cars, not owning cars. Every car that they make a curtailment payment over is now beginning to become something they don’t want to own. Of course, this isn’t always a hard and fast rule, but those vehicles tend to show up on inventory reports that need to be addressed sooner than later. The smaller dealers are notoriously slow to clear these units from inventory. Target the “turn and burn” dealers for deals on a vehicle that has been in inventory a long time.

Scrutinize the sales structure-Study the details of those hot prices. They are not always as attractive as they appear. I bought a 2025 XLT at end of Q1 2026 when Ford had $2500 customer incentive money available in my market. One dealer (not mine) advertised a hot price on a loaded XLT of $33,800 which was $38,000 MSRP- “our” $700 discount-$2500 Ford money-$500 First responder discount -$500 first time buyer money. The only problem was I wasn’t a first responder, not a first-time buyer, and the $2500 Ford money is to me, the buyer, not to the dealer. So, $1000 of those monies don’t apply to me and the dealer is assuming I will use the $2500 directed toward me against the price of the vehicle. I probably will, but I may want to take a vacation or buy some furniture with that money. It’s not for the dealer to decide how to apply it. So, I asked the dealer for the cost-vehicle only. I can do basic 4th grade math and subtract the rebates myself. Suddenly, my vehicle-only price is $37,800. Most people would see that price and simply keep looking elsewhere. The dealers know this, so offer these low prices IF you can meet all the conditions. A discount of only $700 on a MSRP $38,000 2025 model year vehicle when 2026 models are on the lot is weak; truly weak. Negotiate the price of a vehicle without rebates, then apply them after you agree on a price. Insist on all price quotes for “vehicle only, pricing out the door (OTD) including tax, titles and license (TTL). No dealer add-ons, no rebates, no additional dealer profit and a clear line-item breakdown of all costs. If they can’t or won’t do so, tell them goodbye.

When should I buy-Dealers work on a quarterly basis. I have bought cars on both Dec, 31 and March 31 in the past. EOY is truly prime time, but EOQ is almost as good. They are trying to make their quarterly sales goal and if they are a unit or two short, they will cut a deal to get the volume even if it is unprofitable. If not at the end of quarter, the end of month is also a good time as they are tracking their running rate for the quarter. If it is not EOM or EOQ, avoid the weekend as this is the busy time when Mom and Pop are out “looking for a car”, the managers are busy with others, and your offer is more likely to be rejected because you are a savvy buyer and will take more of their time. Make your contact late Monday afternoon or Tuesday morning. The weekend is over, they know where they stand, and now they are concentrating on deals to make their goals.

Drop the emotion-This one is hard, but, necessary if you are trying to score a deal. When someone says,” well, I wasn’t intending to buy a car today, but I got a great deal!”, most of the time they left a lot of money on the table. Do not show excitement or frustration; remain calm and neutral. Emotions cause fatigue and fatigue causes errors. “I’ve sat here for 5 hours; I just want to get this over with!” At that point you are most vulnerable and dealers know it. The “grind” is designed to wear you down. There is no need to be in a dealership any longer than 2 hours tops to wrap up a deal and send you on your way if you have nailed everything down in advance. If you do get frustrated, leave. As a serious buyer, they will call you back. See “Stay off the lot” below for more.

Who do I address: Your first contact is with the internet guy. Bypass the guy that runs out to meet you immediately when you enter the lot. He is the gate keeper. His job is to extract as much money from you as possible but has no power to decide if they accept your offer. If you make what he thinks is a lowball offer, he won’t even present it to the floor manager. He’ll leave the office, grab a cup of coffee, let you cool your heels for 10 minutes or so, then come back and tell you that we can’t do your offer but “we can do this”. And he talked to no one in authority the whole time. Like any successful negotiation, you want to deal with the person who can make a decision. The lot guy isn’t it. Remember, he and the sales manager have two different goals: The salesperson is trying to get as much commission as possible; the sales manager is tasked to move units profitably but still recognizing the need to meet volume goals and act strategically. Your aggressive low-price offer might fit into their need to make their sales goals. When contacting the internet person your name and contact info is in their database. The sales manager is going to know you have made an offer, even if it is rejected. You become someone they chase later when they need to move a car, and you are still in the market.

Stay off the lot- Get a confirmed written (or text ) message price before doing anything. You don’t step foot on the lot until you have an agreed price. Ignore the “Come on in and take it for a test drive” invitation. Don’t waste time on test drives. You only need to test drive 2 vehicles: the first one to see if that model works for you and the second one you intend to buy. If the model isn’t for you, you move on to something else. If it does work, they all drive the same. You just test drive the one you intend to buy BEFORE signing any paperwork. Note any minor deficiencies upon arrival such as lot scratches, small dents, etc but don’t mention them to the salesperson. Then as you are finalizing the pricing paperwork and the price has been agreed, list these items to be corrected as the ’We Owes” part of the contract. Do not rely on verbal promises to correct or address anything. We Owes are an enforceable part of the contract. (You don’t mention them in advance of price negotiation as the dealer sees these as costs that affect his front-end gross profit. Addressing them after you have an agreed price for the vehicle, he now can allot this to the service dept. side of his ledger which is separate from the sales side.)

Conduct all negotiations electronically, preferably by text- I physically visited only 2 dealers for my purchase: Once when I first test drove a Maverick to see if I really was interested in buying one and then when I picked up the one I purchased. In the meantime, I was in contact with 5 other dealerships getting pricing. Of course, they all wanted me to come in. I communicated with them electronically and did so at my convenience. I wasn’t going to sit on their lot for hours. I simply told them I had driven the model, liked the model, and was prepared to buy today if they could meet my number. It’s 2026; everything is done by text now.

Remain Flexible- but firm The more “I gotta have’s” you tell the dealer about on a vehicle, the less bargaining power you have. Now, don’t settle for something just because it is a good price. Be willing though to give up some options/colors/services if you want a good price. You need a tow package, but do you need the carpeted mats? Use that as a throwaway item. They can’t come down $500 to make a deal? Insist on a bed mat if you go the extra $500. Can you live with a different color? Every time you make a price concession, ask for something in return (one year’s free oil changes, battery/add on’s, etc. at dealer cost). From above, the more items you reveal that you want, the less leverage you have.



Deciphering dealer language-A common question along the lines of, “So, what do we need to do to earn your business today”? will be asked at some point. The answer: “Your best price possible”. That’s it; “Your best price possible”. Do not answer with a number, a range, or a desired payment amount. The conversation is now shifted back to them to set some type of term of offer. The first one in any negotiation to stake a position loses. Make them give you an opening position you can use as a boundary to see their thinking. The reluctancy to consider your offer of “We’ve had a lot of interest in that vehicle, I’m not sure we can do that” results in you replying, “But I am here now. And that is what I am willing to pay.” Put the dealer in the position of having to “go first”. Listen closely to their language and make sure their actions match it. Ignore the drama; it’s all for show.

Do not be afraid of the word NO-I declined a counteroffer on a 370-day old Maverick that had racked up a couple of curtailment payments after repeated back and forth offer emails with the internet guy. We were only $500 apart but at that point the vehicle was simply not for me. After telling him I was done, the internet guy thanked me and wished me good luck. 2 hours later the Sales manager jumped into the email thread and asked, “Out of curiosity, what would it take to get this deal done?” This is a desperate plea to keep me on the hook as they really need to move a vehicle in their inventory that is over a year old. They have made multiple curtailment payments and any hope of profit on this vehicle is long gone. They have eaten through their holdback monies and will have to at a minimum provide a new battery and probably some new tires which is going to cost them more money on a vehicle that has been sitting for over a year. Why would I buy a year-old car when I can get a new model year car for a few hundred dollars more? At this point, they are just trying to stem the monthly bleed they are experiencing. I could have held their feet to the fire and even dropped my offer another $500 (and they probably would have agreed to it) but, I was done. No is a powerful word in negotiations. Do not be afraid to use it.

Wrapping it all up-Behind the service dept. the finance dept is a key component of dealer profit. A dealer can make more profit here than on the actual sale of the car. Be sure to be careful and pay close attention to everything happening here. Unlike the terms and conditions that no one reads when installing a program on their computer or owner’s manual on your new TV, you HAVE TO understand and read everything put in front of you to sign. Do not be rushed and do not be afraid to tell the finance person that you might need 15 minutes to go through all the paperwork. Suggest they go get a cup of coffee and you will wait for them to return if you finish up early. Make sure the “We Owes” list anything you want addressed; do not rely on verbal promises. Many times, the We Owes are “forgotten” or left blank during the closing process and if they are, you have no recourse if something is failed to be addressed later that was committed to verbally. Financing options are negotiable as well. Get a quote from your bank in advance to compare interest rates. If your credit is a bit shaky, they might jack you up to a random number. Don’t be afraid to make a counter proposal. Ask if the rate quoted is the buy rate (what they are quoted from their bank) or sell rate (the amount you are being quoted now). Deals are commonly lost in the finance office on this point. Insist on no dealer add-ons (VIN etching, undercoating etc.). If they tell you that all their cars receive this treatment and can’t be removed, then have them subtract those add-ons from the agreed price. Nothing is final until you sign on the bottom line. Know what you are signing.

That’s it. I am not a know-it-all and don’t have all the answers. I am, though, not afraid to push back and am more than ready to advocate for myself if conditions do not align with my goals. You can do it too. It might feel a bit uncomfortable but remember you have the power. They must sell THEIR vehicle. You can buy ANY vehicle
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Pointyears

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I recently bought a “new” 2025 Maverick at a great price and while I can’t assure you that you will save a bunch of money, some of the items here might reduce the stress.
I found in December that Car Edge gave a great overview of Mavs in my area and their time on the lots, though their estimates of what you should pay for each was pretty laughable (unless I'm the best negotiator in the history of car buying...which I'm not), but also had the days on lot which is valuable info like the OP said. That way, I didn't have to leave the comfort of my couch to look at stickers around the area and I could see everything in one view. Was worth the $60 or whatever I paid for a year.
One thing not covered is trade-ins. If you're going to be trading it in, get prices from CarMax, Carvana, Edmunds, KBB (if the dealer pulls up a KBB make sure it's reflective of the actual condition of the vehicle. Most dealers cheat and just use fair or good regardless of the condition of the trade-in to stack the deck) before you walk in. Remember, their first offer is always the "let's see if the buyer is stupid enough to accept this" price. Start to walk and the price will come up. And since you were smart enough to negotiate your trade in separate from your purchase (if your salesman pulls out a 4 square be on guard and emphasize that you're only going to negotiate out the door price with all taxes and fees included and spelled out), they can't move money from one pocket to another.
 

Bob The Builder

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The Inspection sticker tells you how long the vehicle has been sitting on the lot. Good info to have.
 

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Bob The Builder

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Is this the inspection sticker you're referring to?

20260429_082557.webp
No, sorry should have clarified. It is the State Motor Vehicle Inspection Sticker. In my case I found a Ranger years ago that had an 8 for August and I was buying in Feb. of the following year. After sitting on the lot for 6 months the dealer was very willing to deal to get it off the floor plan.
 

Glen Baker LLC

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The Inspection sticker tells you how long the vehicle has been sitting on the lot. Good info to have.
No, sorry should have clarified. It is the State Motor Vehicle Inspection Sticker. In my case I found a Ranger years ago that had an 8 for August and I was buying in Feb. of the following year. After sitting on the lot for 6 months the dealer was very willing to deal to get it off the floor plan.
That won't work for us.
Other than the two counties that require a smog inspection and then there is no sticker.
We don't have safety inspections.
 
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Shack Miller

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The window sticker (at least the Ford window sticker) has the build date at the bottom. Add 14 days or so to be safe for shipment to the dealer for best estimate. CAVEAT: Dealers make trades of inventory all the time. This might not be accurate to the amount of time the dealer you are working with has had the vehicle. Ask them how long this has been on the lot. They usually will tell you. If not, remember the 90 day floor plan financing clock is ticking. They are going to be facing a curtailment payment at some point in the near future and don't want to have to pay to have that car sitting around.

Ford Maverick Vehicle purchase hacks & tips here; it's long but detailed 1777477608803-a3
 

yank283

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Apologies if this was already mentioned but also look into joining the Mustang Club for a discount. I joined for $35 before my purchase and saved $700 on a 25 XLT. It would have been about $900 for a Lariat and about $500 for an XL. you have to be a member for at least 2 months before that discount kicks in, so plan accordingly. I also believe that Farm Bureau has a $500 discount. They wouldn't let me bundle those together though.
 
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Suzukiridr14

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Clubs
 
Most people hate the car buying experience; I don’t. I love it. I love the back and forth and treat it as a game I am determined to win. I don’t understand why car dealers make it so painful to buy vehicles; the process is slowly changing but for most people it is like getting a root canal without any anesthesia.

Here’s a couple of things I have learned and pass them on to you to help ease the pain of buying a Maverick (or any vehicle). I recently bought a “new” 2025 Maverick at a great price and while I can’t assure you that you will save a bunch of money, some of the items here might reduce the stress.

Understand dealer financials-A car dealer makes money on both sales of cars (new and used) and on service. Service generates 40%+ gross margin vs maybe 2-3% on new sales and 10% on used sales. (I didn’t even address in-house financing which is also a huge profit center as well) Generally, the dealer has 90 days financing from the bank to have a vehicle on the lot interest free. After that, they start paying the bank for having the vehicle. The manufacturer offers them a guaranteed profit in the form of monies called holdback which can range anywhere from 1%-5% of MSRP depending on the model. This is sacred money to a dealer, and they are highly reluctant to dig into his pool to make a deal, but under some circumstances will do so. So, when you sit for 4 hours and think you have beat the salesperson into submission and he sighs and tells you he is not making any money but will sell at his Invoice cost plus $100 to make both sides happy, understand they are making the $100 PLUS the holdback monies as well. He just made 2-3% which is average. It’s not much but the true goal is to move units. (They will attempt to make more profit from you once they get you with the finance dept to finalize the deal.) Making their sales goals from the manufacturer helps them get more popular models allotted to them later. A dealer will take an actual small loss on a sale if they need to make a sales goal. Making the goal unlocks a bonus from the manufacturer back to car 1 sold in the quarter. They might lose $1000 from your sale but unlock 10’s of thousands of dollars in total for the cars they sold in the quarter once they enter the bonus round from the manufacturer.

Know your type of dealer-
Are they a small town “aw shucks” store, a no haggle, “our price is clearly posted” store, or large volume “turn ‘em and burn ‘em” multi-location chain store? All of them negotiate. They just do so quietly and in different manners. The trick is to determine their method of doing so then using the same language to engage them. The small-town store is less pressure-filled, but they are also least likely to deal aggressively initially. They will wait for the “right buyer” to come along. The fixed price store does not consider offers and will deal only when presented with confirmed, in-writing, competitive offers usually at the end of the quarter. The high-volume dealer has plenty of inventory and you can score some great deals anytime but will subject you to thumbscrews and water torture as you deal. Remember, though, they all want to sell a vehicle. Your job is to find their hot button and not only push it but make it totally inoperable after pushing it so hard and so often.

Do your pricing research-Know what others in the market are paying for your vehicle. Autotrader.com and cargurus.com is where I got a lot of my pricing info. I even built a simple excel sheet consisting of the date I first noticed the vehicle, the dealer’s name, the VIN I was interested in, and the price. Over a month’s time, it was interesting to see how some had moved and some had not. You want to make a great deal, but you must be reasonable. There is a difference between an aggressive offer and a lowball offer. An aggressive offer is backed up by facts, competitive info, and history. A lowball is just a number tossed out to see if they are dumb enough to take it. They aren’t. You lose credibility when you lowball a dealer. Know your numbers, defend your numbers, and stick to your numbers, but don’t be foolish. No one is in business to give you a vehicle.

Study the inventory-From above, a car on the lot sitting there over 90 days is now moving to the top of the list the dealer wants gone. Ask them how long the car has been there. Check the build date on the window sticker to determine how old the car is. An older vehicle begins to accrue “curtailment payments” the dealer pays to the bank to keep it. Dealers are in the business of selling cars, not owning cars. Every car that they make a curtailment payment over is now beginning to become something they don’t want to own. Of course, this isn’t always a hard and fast rule, but those vehicles tend to show up on inventory reports that need to be addressed sooner than later. The smaller dealers are notoriously slow to clear these units from inventory. Target the “turn and burn” dealers for deals on a vehicle that has been in inventory a long time.

Scrutinize the sales structure-Study the details of those hot prices. They are not always as attractive as they appear. I bought a 2025 XLT at end of Q1 2026 when Ford had $2500 customer incentive money available in my market. One dealer (not mine) advertised a hot price on a loaded XLT of $33,800 which was $38,000 MSRP- “our” $700 discount-$2500 Ford money-$500 First responder discount -$500 first time buyer money. The only problem was I wasn’t a first responder, not a first-time buyer, and the $2500 Ford money is to me, the buyer, not to the dealer. So, $1000 of those monies don’t apply to me and the dealer is assuming I will use the $2500 directed toward me against the price of the vehicle. I probably will, but I may want to take a vacation or buy some furniture with that money. It’s not for the dealer to decide how to apply it. So, I asked the dealer for the cost-vehicle only. I can do basic 4th grade math and subtract the rebates myself. Suddenly, my vehicle-only price is $37,800. Most people would see that price and simply keep looking elsewhere. The dealers know this, so offer these low prices IF you can meet all the conditions. A discount of only $700 on a MSRP $38,000 2025 model year vehicle when 2026 models are on the lot is weak; truly weak. Negotiate the price of a vehicle without rebates, then apply them after you agree on a price. Insist on all price quotes for “vehicle only, pricing out the door (OTD) including tax, titles and license (TTL). No dealer add-ons, no rebates, no additional dealer profit and a clear line-item breakdown of all costs. If they can’t or won’t do so, tell them goodbye.

When should I buy-Dealers work on a quarterly basis. I have bought cars on both Dec, 31 and March 31 in the past. EOY is truly prime time, but EOQ is almost as good. They are trying to make their quarterly sales goal and if they are a unit or two short, they will cut a deal to get the volume even if it is unprofitable. If not at the end of quarter, the end of month is also a good time as they are tracking their running rate for the quarter. If it is not EOM or EOQ, avoid the weekend as this is the busy time when Mom and Pop are out “looking for a car”, the managers are busy with others, and your offer is more likely to be rejected because you are a savvy buyer and will take more of their time. Make your contact late Monday afternoon or Tuesday morning. The weekend is over, they know where they stand, and now they are concentrating on deals to make their goals.

Drop the emotion-This one is hard, but, necessary if you are trying to score a deal. When someone says,” well, I wasn’t intending to buy a car today, but I got a great deal!”, most of the time they left a lot of money on the table. Do not show excitement or frustration; remain calm and neutral. Emotions cause fatigue and fatigue causes errors. “I’ve sat here for 5 hours; I just want to get this over with!” At that point you are most vulnerable and dealers know it. The “grind” is designed to wear you down. There is no need to be in a dealership any longer than 2 hours tops to wrap up a deal and send you on your way if you have nailed everything down in advance. If you do get frustrated, leave. As a serious buyer, they will call you back. See “Stay off the lot” below for more.

Who do I address: Your first contact is with the internet guy. Bypass the guy that runs out to meet you immediately when you enter the lot. He is the gate keeper. His job is to extract as much money from you as possible but has no power to decide if they accept your offer. If you make what he thinks is a lowball offer, he won’t even present it to the floor manager. He’ll leave the office, grab a cup of coffee, let you cool your heels for 10 minutes or so, then come back and tell you that we can’t do your offer but “we can do this”. And he talked to no one in authority the whole time. Like any successful negotiation, you want to deal with the person who can make a decision. The lot guy isn’t it. Remember, he and the sales manager have two different goals: The salesperson is trying to get as much commission as possible; the sales manager is tasked to move units profitably but still recognizing the need to meet volume goals and act strategically. Your aggressive low-price offer might fit into their need to make their sales goals. When contacting the internet person your name and contact info is in their database. The sales manager is going to know you have made an offer, even if it is rejected. You become someone they chase later when they need to move a car, and you are still in the market.

Stay off the lot- Get a confirmed written (or text ) message price before doing anything. You don’t step foot on the lot until you have an agreed price. Ignore the “Come on in and take it for a test drive” invitation. Don’t waste time on test drives. You only need to test drive 2 vehicles: the first one to see if that model works for you and the second one you intend to buy. If the model isn’t for you, you move on to something else. If it does work, they all drive the same. You just test drive the one you intend to buy BEFORE signing any paperwork. Note any minor deficiencies upon arrival such as lot scratches, small dents, etc but don’t mention them to the salesperson. Then as you are finalizing the pricing paperwork and the price has been agreed, list these items to be corrected as the ’We Owes” part of the contract. Do not rely on verbal promises to correct or address anything. We Owes are an enforceable part of the contract. (You don’t mention them in advance of price negotiation as the dealer sees these as costs that affect his front-end gross profit. Addressing them after you have an agreed price for the vehicle, he now can allot this to the service dept. side of his ledger which is separate from the sales side.)

Conduct all negotiations electronically, preferably by text- I physically visited only 2 dealers for my purchase: Once when I first test drove a Maverick to see if I really was interested in buying one and then when I picked up the one I purchased. In the meantime, I was in contact with 5 other dealerships getting pricing. Of course, they all wanted me to come in. I communicated with them electronically and did so at my convenience. I wasn’t going to sit on their lot for hours. I simply told them I had driven the model, liked the model, and was prepared to buy today if they could meet my number. It’s 2026; everything is done by text now.

Remain Flexible- but firm The more “I gotta have’s” you tell the dealer about on a vehicle, the less bargaining power you have. Now, don’t settle for something just because it is a good price. Be willing though to give up some options/colors/services if you want a good price. You need a tow package, but do you need the carpeted mats? Use that as a throwaway item. They can’t come down $500 to make a deal? Insist on a bed mat if you go the extra $500. Can you live with a different color? Every time you make a price concession, ask for something in return (one year’s free oil changes, battery/add on’s, etc. at dealer cost). From above, the more items you reveal that you want, the less leverage you have.



Deciphering dealer language-A common question along the lines of, “So, what do we need to do to earn your business today”? will be asked at some point. The answer: “Your best price possible”. That’s it; “Your best price possible”. Do not answer with a number, a range, or a desired payment amount. The conversation is now shifted back to them to set some type of term of offer. The first one in any negotiation to stake a position loses. Make them give you an opening position you can use as a boundary to see their thinking. The reluctancy to consider your offer of “We’ve had a lot of interest in that vehicle, I’m not sure we can do that” results in you replying, “But I am here now. And that is what I am willing to pay.” Put the dealer in the position of having to “go first”. Listen closely to their language and make sure their actions match it. Ignore the drama; it’s all for show.

Do not be afraid of the word NO-I declined a counteroffer on a 370-day old Maverick that had racked up a couple of curtailment payments after repeated back and forth offer emails with the internet guy. We were only $500 apart but at that point the vehicle was simply not for me. After telling him I was done, the internet guy thanked me and wished me good luck. 2 hours later the Sales manager jumped into the email thread and asked, “Out of curiosity, what would it take to get this deal done?” This is a desperate plea to keep me on the hook as they really need to move a vehicle in their inventory that is over a year old. They have made multiple curtailment payments and any hope of profit on this vehicle is long gone. They have eaten through their holdback monies and will have to at a minimum provide a new battery and probably some new tires which is going to cost them more money on a vehicle that has been sitting for over a year. Why would I buy a year-old car when I can get a new model year car for a few hundred dollars more? At this point, they are just trying to stem the monthly bleed they are experiencing. I could have held their feet to the fire and even dropped my offer another $500 (and they probably would have agreed to it) but, I was done. No is a powerful word in negotiations. Do not be afraid to use it.

Wrapping it all up-Behind the service dept. the finance dept is a key component of dealer profit. A dealer can make more profit here than on the actual sale of the car. Be sure to be careful and pay close attention to everything happening here. Unlike the terms and conditions that no one reads when installing a program on their computer or owner’s manual on your new TV, you HAVE TO understand and read everything put in front of you to sign. Do not be rushed and do not be afraid to tell the finance person that you might need 15 minutes to go through all the paperwork. Suggest they go get a cup of coffee and you will wait for them to return if you finish up early. Make sure the “We Owes” list anything you want addressed; do not rely on verbal promises. Many times, the We Owes are “forgotten” or left blank during the closing process and if they are, you have no recourse if something is failed to be addressed later that was committed to verbally. Financing options are negotiable as well. Get a quote from your bank in advance to compare interest rates. If your credit is a bit shaky, they might jack you up to a random number. Don’t be afraid to make a counter proposal. Ask if the rate quoted is the buy rate (what they are quoted from their bank) or sell rate (the amount you are being quoted now). Deals are commonly lost in the finance office on this point. Insist on no dealer add-ons (VIN etching, undercoating etc.). If they tell you that all their cars receive this treatment and can’t be removed, then have them subtract those add-ons from the agreed price. Nothing is final until you sign on the bottom line. Know what you are signing.

That’s it. I am not a know-it-all and don’t have all the answers. I am, though, not afraid to push back and am more than ready to advocate for myself if conditions do not align with my goals. You can do it too. It might feel a bit uncomfortable but remember you have the power. They must sell THEIR vehicle. You can buy ANY vehicle
I really enjoyed reading your great story that you pass on to all of us who think we know how to deal with salespeople. Yes, we have all been there, since we are owners of Mavericks who had to face the enemy in the last couple of years. I'm sure if I read this story before signing on the dotted line, I could of saved a few bucks. However, being one of the early persons to order the "Never seen" Maverick at the unbelievible starting price, am still happy since the newest same truck is thousands more them I paid. ("also has less features") Again great story.
 
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Hansolo

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That’s some solid advice above and I to worked at a dealership service department for years .
 

Scott Asheville

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Once the legacy automakers die, dealerships will die with them. And the legacies will die - they are dinosaurs in an age of mammals (Farley said Ford has a $2,000 penalty on every car to support dealership profits).

For those who absolutely hate buying cars (I love the process, but I've been doing it for five decades now), I recommend an inexpensive professional buying service like CarEdge. Or just get a Tesla or Rivian or Scout or Lucid - no dealerships.

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matmondro

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Great advice, OP. I find it fun to play hardball with them and it truly makes me happy to see the finance guy at the dealer get upset... LOL.

Good point about high-volume vs low-volume dealers too. When I ordered my Mav in 2022, I purposely ordered it at a dealer almost 2 hours from me, because it's in Metro Detroit and will get more allocations and priority from Ford than some of the dealers within 30 minutes of me. I have no loyalty to any dealership, it's just a numbers game for me.
 

jpj

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Sales training taught look for emotional attachment. I like to tell the sales person I was emotionally attached until I saw the sales price. I'll say how much the vehicle is liked; but my money is more liked. In most of my transactions they are short and best prices are obtained. Going in I always research trade in value ahead of time. In the dealerships that I have worked with, there's no fooling around; they generally give a good price up front. In one instance, a car for my daughter was bought over the phone from a sales rep with whom I had purchased multiple vehicles.
 

MakinDoForNow

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No, sorry should have clarified. It is the State Motor Vehicle Inspection Sticker. In my case I found a Ranger years ago that had an 8 for August and I was buying in Feb. of the following year. After sitting on the lot for 6 months the dealer was very willing to deal to get it off the floor plan.
Texas. Eliminated inspections. State now collects a $7 or $7.50 (I forget exactly) inspection fee replacement fee. Most likely because the inspection fee was passed by constitutional amendment (quirk in Texas law). If so then a constitutional amendment to remove that fee will have to be approved by state wide vote. Constitutional amendment can hang around pretty much forever. It's still against the Constitution to carry a pair of plyers capable of cutting fencing if you are not on your own or employers property. The 1876 Constitution has 545 amendments.
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