The DW and I are considering trading in our 2 cars, a 04 Passat and 07 Mazda 6, for a used 09 GMC Acadia to drop our total loan payments and to give us a larger vehicle to accommodate our infants large car seat. The list on this SUV is $33k, it has 31k miles, I've offered $27k. It also comes with the original warranty.

When sitting with the finance guy, what "options" should I avoid that are going to be "pushed" onto the DW and I that are going to jack up our payments?

I know one of them are going to be an extended warranty and gap insurance, of the two I would consider gap insurance because I have had to use it before in my younger and crazier days.

Thanks for your help.

Hmmm...
When I bought my last car(since sold) they were pushing the extended warranty pretty hard and LoJack. I got GAP insurance from my insurer(USAA) for very little money and considered it money well spent. If they try to push the extended warranty too hard just say that you need to think about the entire purchase some more because you didn't realize that the car was such a POS that it would need an extended warranty. That got them to stop pushing the EW in my case....

Good luck with the new car!!

Joe

In order to be complaint, a finance manager should offer you all the products they sell in the Finance office that you/the vehicle may qualify for.

Your choice accept or decline. Buy what has value to you.

Here is a little hint.

We make more money from the service department than we do with sales.