Subaru Outback Forums banner

1 - 20 of 52 Posts

·
Premium Member
2018 Outback Premium 2.5i, Twilight Blue and Titanium Gray
Joined
·
40 Posts
Discussion Starter #1
Yesterday I ordered a new Outback and I am wondering what I can expect at closing.

This came up in another thread and I don't want to hijack that thread with this subject so I'm starting a new topic here.

Waiting is the hardest part ... until you have to endure the insult of the F&I session at closing.
Good point.

I don't buy a car everyday. Not even every other day. :)

Maybe you can give me a heads up of what I have to look forward to.

With regard to insurance, I already have that taken care of through my insurance agent, including gap insurance.

With regard to financing, I have excellent credit and it is my plan to use Subaru's zero-down/zero-interest loan. I have wondered though if that's just bait & switch.

Is there a way to take care of that before hand? I mean through Subaru, I realize I could go to a bank or credit union and get a loan, but that wouldn't be for zero-down/zero-interest.

Any information from those more experienced at buying a car than I would be helpful. I'd like to go in as prepared as possible.

Thanks.
 

·
Registered
2017 2.5i Premium Lapis Blue
Joined
·
4,204 Posts
Do you have all the final numbers already? If not I'm just wondering if you even need gap insurance?
 

·
Premium Member
2018 Outback Premium 2.5i, Twilight Blue and Titanium Gray
Joined
·
40 Posts
Discussion Starter #3
Do you have all the final numbers already? If not I'm just wondering if you even need gap insurance?
Presumably yes, I supposedly have the final numbers. I have a document stating the total price of the car with the features I have asked for. It also includes a document fee ($299.50), Non Tax Fee ($59.50), and sales tax.

I asked what the 'non tax fee' is and he said it's registration. After I thought about it later, I'm not sure that's going to be the whole story because property tax on the car will be more than that.

Since my plan is to buy the car using the zero-down/zero-interest, I think gap insurance for the first year or two could be useful. It is very inexpensive through my policy.

Thanks for the question.
 

·
Registered
2017 2.5i Premium Lapis Blue
Joined
·
4,204 Posts
Presumably yes, I supposedly have the final numbers. I have a document stating the total price of the car with the features I have asked for. It also includes a document fee ($299.50), Non Tax Fee ($59.50), and sales tax.

I asked what the 'non tax fee' is and he said it's registration. After I thought about it later, I'm not sure that's going to be the whole story because property tax on the car will be more than that.

Since my plan is to buy the car using the zero-down/zero-interest, I think gap insurance for the first year or two could be useful. It is very inexpensive through my policy.

Thanks for replying.
As long as you can cancel it when you want it is probably a good idea. Just keep up with what you owe and what the car is worth along the way. With zero interest is doesn't take long to get ahead of the depreciation, although with zero down it will take a little longer.

They will also try to sell you on maintenance plans and extended warranty. Do your homework to decide if they are worth it to you.
 

·
Registered
2018 Limited
Joined
·
112 Posts
I just financed through Subaru and did a 0% deal. I was skeptical because generally you lose incentives to get the 0%, but I financed at the sale price. I bought gap through Subaru. It’s $10/month ($630) but when you cancel it, it’s refunded to your balance, so they won’t reamortize the loan or anything.


Sent from my iPhone using Tapatalk
 

·
Registered
2018 Limited 2.5 No eyesight package/no navi
Joined
·
177 Posts
I'm in the waiting game too. I ordered a 2.5 limited last month with the long 2 1/2 month wait till the end of June to pick her up. I tried to get financing through the Subaru / JP Morgan/Chase website. I was declined because of a computer error. Since I have a strong dislike towards Chase, I doubt that I'll even bother with reapplying at the dealership since my credit union approved me within a couple of minutes and they provide gap insurance. I don't want another credit pull.

I've been busy buying accessories online, so that helps with the waiting.
 

·
Registered
2018 Limited
Joined
·
112 Posts
I'm in the waiting game too. I ordered a 2.5 limited last month with the long 2 1/2 month wait till the end of June to pick her up. I tried to get financing through the Subaru / JP Morgan/Chase website. I was declined because of a computer error. Since I have a strong dislike towards Chase, I doubt that I'll even bother with reapplying at the dealership since my credit union approved me within a couple of minutes and they provide gap insurance. I don't want another credit pull.

I've been busy buying accessories online, so that helps with the waiting.


I hate Chase, too, but the 0% was too good to pass up. Feel like I’m cheating on my credit union.


Sent from my iPhone using Tapatalk
 

·
Registered
2012 OB , 2017 Impreza
Joined
·
3,277 Posts
What to expect? You are often escorted to finalize the sale with their 'moneyman'. (the guy who writes up all the sales contracts)
He will often try to sell you all kinds of extra-expense things.

*) Engraved window serial numbers for security
*) Paint sealant protection
*) Interior cloth protection
*) Xtended warantee
*) Rustproofing
*) etc....

If you consider them all and have your mind made up which ones are improtant to you ahead of time.... then you will not be caught offgard.

Some items to consider are within the Subaru accessories booklet (also available online) If you desire an accessory, NOW is the time to negotiate the price.

Examples:
*) Auto-dimming exterior mirrors.
*) Rubber Cargo mat
*) ...etc
 

·
Registered
2017 2.5i Premium Lapis Blue
Joined
·
4,204 Posts
You have up until the 3 year/36,000 mile mark to decide if you want the extended warranty or not. And it may be possible to find the warranty at a much better price from a Subaru dealer in another state.
 

·
Premium Member
2018 Outback Premium 2.5i, Twilight Blue and Titanium Gray
Joined
·
40 Posts
Discussion Starter #10
I just financed through Subaru and did a 0% deal. I was skeptical because generally you lose incentives to get the 0%, but I financed at the sale price. I bought gap through Subaru. It’s $10/month ($630) but when you cancel it, it’s refunded to your balance, so they won’t reamortize the loan or anything.
You might want to check with your insurance agent to see how much it would be through them.

When I decided I was going to get the vehicle, I called my agent to see what impact the vehicle would have on my insurance. In that discussion, I brought up gap insurance and he checked on it and through my policy it is only $5 every 6-months.

When I get the VIN on the vehicle, I'll call him back to get everything setup and I'll verify that that's the correct price, but that's what he told me over the phone.

Anyway, point being, it might be worth your time to check.
 

·
Premium Member
2018 Outback Premium 2.5i, Twilight Blue and Titanium Gray
Joined
·
40 Posts
Discussion Starter #11
You have up until the 3 year/36,000 mile mark to decide if you want the extended warranty or not. And it may be possible to find the warranty at a much better price from a Subaru dealer in another state.
Is the extended warranty is cheaper up front than it would be later?
 

·
Premium Member
2018 Outback Premium 2.5i, Twilight Blue and Titanium Gray
Joined
·
40 Posts
Discussion Starter #12
He will often try to sell you all kinds of extra-expense things.

*) Engraved window serial numbers for security
*) Paint sealant protection
*) Interior cloth protection
*) Xtended warantee
*) Rustproofing
*) etc....
I wonder if I can get that list from them now so I can research them ahead of time?

Seems like a perfectly reasonable request.
 

·
Registered
2019 Subaru Forester Premium, Crystal Black Silica, Pkg 15
Joined
·
1,727 Posts
The benefit to getting the extended warranty or prepaid maintenance plans is that you can divvy up the cost over the term to insulate you from shock expenses (example, the expensive 60k service) etc.

As for the gap insurance, do you need to have it or are you required to have it?
 

·
Registered
Joined
·
187 Posts
What to expect? You are often escorted to finalize the sale with their 'moneyman'. (the guy who writes up all the sales contracts)
He will often try to sell you all kinds of extra-expense things.

*) Engraved window serial numbers for security
*) Paint sealant protection
*) Interior cloth protection
*) Xtended warantee
*) Rustproofing
*) etc....
I would not buy any of these things.
 
  • Like
Reactions: Tail11

·
Registered
2018 OB 3.6R Touring Dark Blue Pearl
Joined
·
85 Posts
Waiting as well, my first Subaru and getting excited.:grin2: Outback Touring 3.6 Dark Blue Pearl, ordered 4/6. Was told to expect VIN in 30 days and delivery end of June. Hopefully it will arrive a bit sooner, should get an update with the VIN. Will definitely take advantage of the 0% financing if still available at that time. I noticed the offer was just extended to May 31. Always politely decline any other add-ons the finance guy is peddling. Plenty of time to shop around for a good deal on the extended warranty in case I decide to keep the car longer than the 3/36.

Curious to hear what accessories others are getting? Definitely upgrading to LED’s all around and adding the Forester stainless tail pipe ends. I really like the clean look of the JDM grille. Bit pricey but on the list for now.
 

·
Registered
'17 3.6R Touring Brillant Brown Pearl
Joined
·
2,424 Posts
FWIW, The Auto Dimming Outside Mirrors are AWESOME. Prolly the only accessory I would consider having the dealer install.

Most of the other stuff can be done yourself.
 

·
Registered
2017 Outback 3.6R Limited
Joined
·
440 Posts
He will often try to sell you all kinds of extra-expense things.

*) Engraved window serial numbers for security
*) Paint sealant protection
*) Interior cloth protection
*) Xtended warantee
*) Rustproofing
*) etc....
I wonder if I can get that list from them now so I can research them ahead of time?

Seems like a perfectly reasonable request.
Reasonable yes. But that's exactly what they don't want you to do.
 

·
Registered
2018 OB 3.6R Touring Dark Blue Pearl
Joined
·
85 Posts
FWIW, The Auto Dimming Outside Mirrors are AWESOME. Prolly the only accessory I would consider having the dealer install.

Most of the other stuff can be done yourself.
Good to hear! I did order the ADOM’s as well as LED map/dome lights, rear seat back protector and footwell illum. kit. All factory installed according to the dealer.
 

·
Registered
2018 Limited 2.5 No eyesight package/no navi
Joined
·
177 Posts
I hate Chase, too, but the 0% was too good to pass up. Feel like I’m cheating on my credit union.
I have the same feelings and would love to have a 0% loan too. My loan with my credit union actually expires before the car arrives, so I called them and spoke with a very knowledgeable woman. She gave me some tips to see if they will rewrite the loan without doing another credit pull. Crossing fingers it will all happen.
 
1 - 20 of 52 Posts
Top