Yes, that's when the next model years start to come out.

 

The best thing to do is research. Make sure that the LS is what you want. You don't want to buy a car because the price is right or you'll be trading it in for something better down the road, and losing a lot on a trade in. LS go for around 23,850 after all of the delivery charges, thats with no added packages. After tax title license, 35% down = around $8,300, and with an avg. score of aroud 8% your prob. around 350 to 400 a month.

 

Hey I was looking at the same thing, would it be smart to try and factor in insurance into what you can afford monthly? If a payment was 350 to 400 with insurance it could be a 460 to 560 a month bill correct?

 

Yep thats about right. closer to the 500 side, you need full coverage insurance when financing a car.

 

Where are you coming up with these figures? A new LS with an automatic will be roughly $25,000 out the door. I paid $23,980 for mine plus tax, and such. Let's just work with $25,000. He has a 35% down payment which is a really good down payment and should get him the best finance rates unless he just had a car repossessed last month. Lets round the down payment off to $8,500. That leaves the dude needing to finance $16,500. I got 4.09% financing and that was not incentive financing just straight up bank financing. Lets say 5% is all he can get.
$16,500 @ 5% for 6 years is $265 a month. For 5 years $311

Now insurance. I pay with 100/300/100 liability limits and 100/250 deductibles $634 a year and that is good insurance. That would be $52 a month.

So what should a LS with an $8,500 down payment cost per month including insurance?

$317 a month if financed for 6 years.
$363 a month if financed for 5 years.

I am personally paying $332.99 for 6 years for a LS with a sticker of $24,925 and a down payment of $3,400 .

Add my insurance @ $52 a month and my brand new Synergy green LS with automatic Transmission is costing me $385.83 a month.

More than that is a rip off

 

The main difference between dealer prices was the $5000 "market adjustment" that some dealers were adding. Coupled with a $2000 discount off MSRP and freebies at another dealer it amounted to an $8000 difference.

 

Well first off I should start off by saying sorry I am not a finacial manager. When I gave the numbers I just took an avg. Most people who come to a dealership have around an 8% intrest rate if not higher. You with a 3-4 is very good. For a down payment 8500 Is a lot! At the most I see what you did around 3000. 25000 Is about right with tax title and license. Most banks would rather 60 months rather than the 72 but I have seen both. All that would normaly put an avg. person in the 350-400 range. Also for full covrage insurance its normaly $100. Again thats avg. It depends on age and record. I pay 45 for liability. You need full coverage for a new car. You paying 52 is awsome. I picked the high side of numbers because I dont wont people calling and saying that I said I could get them in a car for 300 a month, and then them get mad. Not the way I want to do buisness. Again sorry for the miss comunication.