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Old 01-26-2020, 11:09 PM   #1
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Negotiating for a Tiffin Allegro

I'm in the midst of the "negotiation" game for a new 2020 Tiffin Allegro It is a 35 footer, with free standing table and chairs, couch and recliner, swivel chair. Other upgrades include in motion satellite system, fireplace, drop down overhead bed, memory foam king bed, central vacuum system and WiFi Ranger system.

List price: $250,958.75

After taxes, dealer prep, sales tax, license, coach trade-in, license and fees
Dealer sticker price: $250,958.00
Discounted: $57,114.75
Sale Price: $193,844.00
Trade In Allowance: $36,000.00
After trade difference: $157,844.00
Dealer Service fee: $995.00
Sales taxes: $$11,735.30
License and fees: $27.00
Trade-in RV payoff: $46,500.00

Delivered price: $217,101.30
Down payment: $20,000.00

Final dealer offer: $197,101.30

Mgr says may be able to drop sales price to $190,000 and get trade in value to: $40,000.00. If so, would I take the deal.

Thought I'd run this by the group as there must be experts out there that can tell me whether this is a good deal or not? Tiffin's are very high quality coaches and it's right in other respects. What comments do you have?

Thanks in advance for any advice.
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Old 01-27-2020, 07:06 AM   #2
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Is it a gas rig? if so that does not appear to be a good price. Might do ya some good to post up the exact model.
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Old 01-27-2020, 08:56 AM   #3
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My only observation is that you are underwater on your trade-in and will be immediately underwater on the new one. Is that what you want?
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Old 01-27-2020, 09:37 AM   #4
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Your in over your head now and want to go even deeper in debt, bad move. Also the discount quoted is not that good, only 22%, it should be at least $62,500 to $67,500.
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Old 01-27-2020, 10:29 AM   #5
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Red face

Most new Tiffins are discounted 25% to 28% off MSRP. That would be about $180,500. $190,000 is a little high. Get a quote from Ingram RV in Alabama, Davis RV in TN or Sherman RV in MS. All 3 are know as the ones to get a Tiffin. The only problem is that they will go low on the trade in but you are already low on your trade with this dealer.
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Old 01-27-2020, 10:54 AM   #6
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What model of Allegro is it?
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Old 01-27-2020, 12:38 PM   #7
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Need more info on your trade-in. What is it actually worth (cash value)?

Plus, with a $40K trade-in, you will have about $2-$3k in sales tax savings.


A good price for Tiffins is normally 28-30% off MSRP. But, then you have take into account what the dealership charges for fees and delivery.

With your trade in the mix, it's hard to say where your true cash price is.
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Old 01-27-2020, 12:47 PM   #8
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Quote:
Originally Posted by ageishecker View Post
My only observation is that you are underwater on your trade-in and will be immediately underwater on the new one. Is that what you want?
Agree, you will be underwater before you even drive off the lot.
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Old 01-27-2020, 02:32 PM   #9
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One thing to keep in mind you can usually negotiate a better deal on an ordered unit versus one sitting on the lot that the dealer has had to pay for and keep in inventory. No coach leaves the Tiffin factory unless it's paid for, there are no consignments.
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Old 01-27-2020, 05:07 PM   #10
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As others have stated, you can get a better deal by ordering. What is the dealer service fee for $995? That item by itself, would lead me to walk out.
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Old 01-27-2020, 05:28 PM   #11
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Quote:
Originally Posted by ageishecker View Post
My only observation is that you are underwater on your trade-in and will be immediately underwater on the new one. Is that what you want?
I agree. Why would you go upside down on another RV when you're in the same boat currently?

As to the pricing you're posting, I don't think you've got a good deal at all. You can do better on the discount if you're really wanting to be in over your head.

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Old 01-27-2020, 06:29 PM   #12
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A fair deal for me is wipe out trade loan and take off dealer fees. Pay $190k and put your 20k down.

Your gonna be upside down, just don't carry past debt into new loan.

Just my thoughts.

However do need to know more about trade and proposed purchase.
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Old 01-27-2020, 08:22 PM   #13
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I'll open by saying that you should never be asking for financial advice on a forum, unless you're looking to justify a bad financial move.

It may sound good to you to say that you're putting down $20K, but you're really not, you're paying off a loan of $46K. So in reality, you're really $26K upside down.

If you're young and can afford the payments easily and even add some principal every month, you might be okay. If the payments are going to make your finances tight, you'll be walking out of the dealer owing more than the coach is worth. If the economy takes a dive in the next year or two, you'll not only be upside down, you'll be unable to sell it.

I've never bought a motor home, boat or car, that put me upside down before I walked out of the dealer. I also made sure I had enough equity to easily sell or pay off the loan if needed.

Now....if you're can tell us that you have the cash on hand to pay the coach way down or off in an emergency, go ahead with the deal. Some do what you're doing because they're money is making more money in the market than the interest on the loan.

Lastly, where is the $20K coming from.....savings, credit card?
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Old 01-27-2020, 11:52 PM   #14
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Quote:
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Is it a gas rig? if so that does not appear to be a good price. Might do ya some good to post up the exact model.
Tiffin 2020 Allegro Red. 340 Cummins diesel, 34’.

Thank you.
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