Truck buying

[dscubame]

It is super cheap to get it added on by your auto insurance company.  Some even include it automatically.  Give your agent a call.  You will be surprised it cost peanuts.  I am just talking about the loan gap coverage.  It is not a scam it simply pays off the loan amount if the actual cash value at the time of the total loss to your vehicle is less than what you owe.

[xd2005]

Yeah, the loan stuff doesn't bother me so much (whether to add stuff on, gap insurance, etc). I went through Ford credit just for the $1k rebate. Will turn around and refinance with the CU in a few months. Two reasons I took out the loan (still putting some money down):

1. I don't want to drain a bunch of my savings. Working for a bank, I know job security doesn't exist so I would rather have my cash now and time to go through it than a paid for truck and no cash to cover life.

2. I'll hopefully get around 3% on my re-finance. I fully expect inflation and rising rates in the future to get the country out of this mess, so I'm expecting that the 3% will become very cheap money in a year or two.

[elkaholic_74]

pretty hard to go wrong with any newer truck you get a good deal on, I have an 05 Nissan Titan and absolutely love itI've had 0 issues with it, been a great truck.

[Bean Counter]

xd... we're waiting for photos.... 

[MDGrand]

The best vehicles that Ford, Chevy or Dogde make are their full size 1500 + trucks.

You really can not go wrong if you get a new one as most of them have really stepped up to the plate.

Things to keep in mind though...

Dodge.. I have yet to hear of ANY improvements to their transmissions. From my understanding, and hearing from my hunting buddies.. they are great trucks, but the tranys always go at some point and almost always WAY before a Chevy or Ford.

Chevy.. Stepping up MUCH better when it comes to the looks and internal components. Chevy always made a good engine and pretty damn good trany.. they had for years the basics down but I always had friends that would bitch about how the stuff INSIDE the truck fell apart.. i.e. window moldings, vents, etc. It cheapend a solid platform. Today, with a new chevy, I do not think you have anything to worry about. BUT.. they do cost a bit more.

Ford... ALL around for years the best truck. Maybe not as solid of an engine at times than the Chevy, but the inside and fit and finish were better. Today, the newer trucks will go forever and they constantly improve their engines. There is a REASON why they have sold more trucks hands down than the other 2.. If they really were inferior, people would buy one of the other two. Dodge, Chevy fans, say what you want, but the price point has been pretty negligble for years now, yet neither competitor wins the sales war. There is a reason.

Tundra.... good truck. BUT.. more expensive and they seem to want to play in the 1500-2500 arena.. but do not do either of them WAY better than anyone else. I have buddies that are Toyota fans thus their loyalty to getting a Tundra.. and I have to admit, I have not heard any real problems.. but when really put to work and when comparing initial cost.. you can save 5-10K buying the Ford/Chevy/Dodge... that extra 5-10K can go torward a camper, rifle, ATV.. etc.

 

[xd2005]

xd... we're waiting for photos.... 

LOL...so am I. I actually haven't seen the truck itself yet. Should be picking it up tonight. It was a dealer trade so they had to get it yesterday then install running boards and spray in a bed liner today.

[PlateauNDN]

xd... we're waiting for photos.... 

LOL...so am I. I actually haven't seen the truck itself yet. Should be picking it up tonight. It was a dealer trade so they had to get it yesterday then install running boards and spray in a bed liner today.

I hope it doesn't look something like this! LOL!

[xd2005]

I hope it doesn't look something like this! LOL!

Oh it's ok...I got running boards 

Turns out I have to wait another day. Apparently they had difficulty in getting it from the other dealership so they were late with putting on the running boards and getting the bed liner done. Another day of waiting it is...

[Mookie]

If they ever put a Cummins in front of an Allison and drop it into an F250/350 and have it put together at the Toyota plant we will have a winner.

[xd2005]

Not the best pics (sorry, regular camera has broken lens).





The only thing that kinda got under my skin is the dealer wrote up the loan at 4.99% vs. the promo 4.9%...but it's only 9 bps and I'm planning to refinance anyways (just did the financing with them for the additional $1k). That said, they originally wrote it up for 5.875% and said that's the lowest rate available (60 month). I knew I'd seen 4.9% and I knew I qualified for the best rate so I pushed her on it and she finally "went to check" with someone else and came back and said I was right, but it was 4.99%. I figured I had simply seen it wrong or confused it with another manufacturer or something so I gave her the benefit of the doubt. Got home and checked and sure enough 4.9%. Since this was their second "goof" (first one was the person sending me a quote that doubled the $3,000 rebate. Manager quoted after the rebate, she thought he quoted before the rebate. So she had a bit of egg on her face and knew my trust level with them was low). Tried to get free all-weather mats out of it but no luck 

[PolarBear]

Congrats!  Great truck you will love it!

[tshoote30]

Yes Great Looking truck!!  Congrats

[skier2480]

Very nice truck!

[Bean Counter]

Beautiful!  Too bad you wont want to take that purdy thing into the woods now