California Cadillac Car Dealers

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CA Cadillac Car Consumer Discussions

Re: Cadillac Escalade Lease [Car_man]: by kb2010 on Sun Oct 25 22:00:42 PDT 2009; Dear Car_man How do I get that Special Lease that GMAC is offering ?...with the $7K back ? I am looking for a Red ESV Escalade 2009 with Bench seats I am in the N Bay near San Francisco CA Thanks

Re: CTS lease [sam_k]: by billmv on Wed Jul 01 01:06:19 PDT 2009; Sam....please clear up something for me. You say "If your leased car is stolen... the insurance company writes the check to the owner of the car (i.e. the leasing company), not you." Let's say the value of the car at the time of the loss is $30,000. Let's also say that the "balance" left on the lease is $35,000. I presume the insurance company pays whoever the "owner" is the value of the car, and that they are not concerned with any outstanding financing balances, either conventional or lease. Correct? So if the lessor (leasing company) gets $30,000 from the insurance company, but is owed $35,000, what do they do about the $5,000 shortfall? Go after the lessee? Using this example, the person leasing the car has come out ahead by not putting any money into a down payment, assuming the leasing company does not come after them. Conversely, I can see where putting a big chunk of money down might put the balance below the value, and in that case the lessor comes out ahead. I'm presuming the leasing company will not turn around and give the lessee any funds they may have received from the insurance company which exceed the balance due. Correct? How is any disparity between the value and the balance due handled? Thanks.

Re: New lease offers [Car_man]: by billmv on Thu Sep 03 10:48:38 PDT 2009; Car_Man.....you're right. 36% IS horrifying. Yet I recently read that the CTS won Kelly Blue Book's award for Best Resale Value in its category (Full size car) for 2009. Something isn't computing here. http://mediaroom.kbb.com/kelley-blue-book-announces-winners-2009-best-resale-val- ue-awards And you wonder why GM is in trouble.......

Re: Final Offer - Good Deal? [gator5000e]: by bingoman on Sat Dec 06 11:38:37 PST 2008; The salesman is playing the usual salesman games. He is not losing money on the deal as the invoice price is not the actual price the dealer pays. There are holdback moneys that are paid to the dealer by the factory after the sale which need to be subtracted from the invoice price to determine the true cost. Aside from this you need to know the residual value of the car at the end of the lease. This is what the dealer thinks the car will be worth as a used car at the end of the lease. You will have to decide for yourself if this is a realistic number (you might use some source such as Kelly Bluebook for a car of the same make with the same mileage and years, but this is a guessing game as the economy and car preferences change over the years.) You also need the tax, license and other fees included in the price. Then you need a good financial calculator to determine the monthly payment or the interest rate, depending on which the salesman is quoting you. Doing the calculations yourself is the only way to keep the salesman honest. Good luck.

Re: follow up [cdfinney]: by bingoman on Wed Apr 22 17:42:39 PDT 2009; who did you talk to in LA and what part of town?

Re: Lease vs. Finance [gator5000e]: by bingoman on Mon Dec 01 15:34:30 PST 2008; First of all what are you getting for this money. A basic car, a fully loaded car, or something in between. Are all of the deals offering the same car and equipment. Could you buy this car for cash. If so how much would it cost, how much interest would you lose, or how much would you have to pay for financing. How often would you like to trade for a new car (the current CTS will probably not change appreciably for the next four or five years.) All of this needs to be taken into consideration before you can decide on the best deal.

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