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Case StudyFormula Auto Lease

How We Beat a Dealer Quote by $3,100

A real San Diego client brought us a signed-ready quote. Here is exactly how we found the room the dealer left out.

A client in El Cajon came to us with a written quote on a new SUV. It looked fine on the surface. It was not.

We started where the dealer hoped no one would look: the money factor. Marked up nearly a full point over buy rate. We reset it to the lender program. Next, the cap cost included two add-ons the client never asked for. Gone.

Finally we sourced the same trim from a second store with better inventory and less reason to hold margin. Same car, lower price, delivered to the driveway. Total saved against the original quote: $3,100.

None of this is magic. It is knowing where deals hide their margin, and having the dealer relationships to call the bluff.

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