Guides

Longer explanations of the parts of a car deal that are hard to compare. Each draws on the sixteen shorter guides in the method and describes the numbers; none tells a buyer what to choose.

How to read an out-the-door quote, line by line

What each line of a dealer quote is (vehicle price, doc fee, add-ons, tax, title and registration), why only the total compares dealers fairly, and what can and cannot move.

Cash back or a low APR: how to compare the two offers

How to compare a manufacturer's cash rebate with its low promotional rate: two full loans over the same term, with a worked example and what changes the answer.

Finance-office products and what they typically cost

The optional products offered in a dealership finance office (service contracts, GAP, VIN etching and more): what each is, when it can make sense, and typical prices with their sources.

Lease basics: the numbers on a lease quote

What a lease quote is made of (capitalized cost, residual, money factor, fees, tax) and the formula that turns them into a monthly payment, with a worked example and how it compares with buying.

The trade-in: offers, equity, and the order of the talk

How a written offer differs from an estimate, how equity and negative equity work, how a dealer trade can lower sales tax, and why the trade-in and the price are kept as separate numbers.

Before a deposit on a used car: history, inspection and what to get in writing

What a vehicle history report shows and what an independent inspection checks that it cannot, the two things to have in writing before paying a deposit, and how certified pre-owned compares.

Also: the seven-stage method, six email templates and the rules in each state.

Updated October 27, 2026