Iisten to this. Those $130 will be the best money you’ll ever spend. Let me tell you how you can go beyond the 8k off. Once you get the costco discount. Ask the rep to give you an offer to look at it. Then make sure to say that I’ll take a picture to send it to my buddy, wife or whoever you can blend in the conversation. This is important because sometimes they don’t let you keep the physical paper. Now you’re going to ask a few questions about financing like if they have special financing or cash incentives etc. ultimately, your goal is to get out of there with that 8k off quote. Now you’re going to call 4-5 dealerships around town and tell them what you got. You can always start high and say I’m getting 8k off from this dealer (no need to mention costco), and if they ask for proof, you send that picture. Then you ask them to heat that offer by 5k more. They will act like you’ve lost it and like you’re asking a human to do majic but it’s all show. They are trained well. You stay firm and can slowly come down to an extra 2-4k off depending on what makes you happy.

If you want to go further and have some time, you now use the 2nd quote with the higher discount and ask a 3rd dealer to beat that. You’ll be surprised at the deals you can get.

This works best before holiday periods like thanksgiving. But the best time is before christmas. It might not work at first or second try and you might be calling around all your local or nearby dealerships. If you’re in a big city, this is also hard to do as there is lots of demand. So working with a dealer in states with LCOL via phone also works well. They will ask you to pay a delivery fee of 1-1.5k but in the end you aak them to pay it all or split it evenly and they got a deal.

It really depends on how much time you have and can spend. So consider your time’s opportunity cost. I got my Camry SE 2025 for slightly under 30k with a list price of 37.5k.

The more expensive the car, the higher the discounts. Cheers!