Illustrative findings
Dealer ask is above the supported target range. Ask the dealer to justify the difference against comparable inventory and condition.
Protection products are listed separately. Confirm they are optional and request a buyer’s order without them.
Itemized fees require clarification. Challenge duplicate or optional charges rather than treating taxes/government fees as negotiable.
The quoted APR should be compared with outside pre-approval. Financing savings are shown separately from dealer-controlled price savings.
Example response to the dealer
I’m ready to move forward if we can align the vehicle price with the supported market range and remove the optional protection products. Please send an updated buyer’s order showing the vehicle price, taxes, government fees, dealer fees, and optional products separately. I’ll compare financing independently before I sign.
Why your result may be smaller—or larger
A good deal can legitimately have little dealer-controlled savings left. The product is intended to answer “Should I sign this?” rather than manufacture a large savings number. Findings depend on the vehicle, market, paperwork supplied, available provider data, fees, add-ons, financing, and trade-in details.