The time has come for me to get rid of my trusty college car and buy a real grown up vehicle. My husband has been a long time Jeep owner and just recently bought his third, a '13 Rubi so a whole new world of awesomeness has opened up to me (because the news ones are rugged AND come with the fancy bells & whistles). I'm now lusting after my own and am looking to pull the trigger sometime within the next month.
The problem is I could use some advice. This will be the first time I can afford to get what I truly want with the obvious idea that I'm going to keep it for quite some time (I had the last car for 10 years). It will be a DD but I drive maybe 6 miles a day, no highway and will do some light to medium off-roading, since by default I'm going to assume I'll be with the husband in the Rubi. I've already done all my test driving and know that a Wrangler is in my future, I just want to make sure I get what I want for the best options. And that I understand how the process works.
So, some questions:
1. For those of you who factory ordered, when did you secure financing? I plan to get financed through Navy Federal b/c the dealer who sold to my husband put him with some crappy no name place in FL who doesn't offer any way to pay his payment online. And it looks like I'm going to need to factory order because no place within a few hundred miles radius has what I want. I know I should negotiate price before hand but do I pay then or when I pick up? I just don't want to get everything hammered down only to find out they need the financing up front but I don't want to finance too early if I have to wait on delivery. And will they negotiate up front if they don't think they'll get my financing? I know that's part of how they make their money so I don't like bring that card to the table until after we've agreed on price.
2. I've got a few options for price that I'm working through: Chrysler Friends & Family, TrueCar, Navy Federal Auto buying, Sam's or Costco. I'm just not sure which one is going to give me the better deal. My husband had good success with TrueCar and for the build I want, I'm being quoted about 4% under invoice. But I've heard TrueCar is only for vehicles on the lot - anybody know if this is true? Because the Chrysler Friends program gives me 1% under invoice and that seems a bit paltry compared to TrueCar (And by invoice, of course, I mean the invoice price that the Internet says so maybe the "real" invoice is lower?). And I'm not even sure of the prices that Navy Fed or Sam's/Costco would negotiate because I have to give my info and I'm not ready for that.
FWIW, this is the build I'm looking at:
'14 Sahara 2-door
3.73 axle w/ Trac-Lok Differential
Leather seat package
MSRP comes out to $36,325
Navy Federal's auto buying shows $34,014 as invoice (but Edmunds says $35,267)
So Chrysler at 1% under invoice would put me around $33,670ish?
But True Car comes out at $32,614
Should I bank on TrueCar or would I be better off with my Chrysler pricing? I guess I can't use both? I'm most comfortable sitting around $31 - $32k but the numbers are all over the place so I'm not even sure where to begin.
Any help or advice would be appreciated! Unlike my husband who test drove one weekend and bought the next, I'm a bit more careful and tend to over think. So while I'm extremely excited about getting a Jeep, I just want to make sure I've covered all my bases.
Also, the most important decision: White or Amp'd?