If you want the lower prices, like they said, wait until the end of the model year and the dealer just wants to move the product to make room. If you want good APR's on the loan. CALL USAA. I've never paid an APR higher than 4.9 with them and my insurance is less than 30 bucks a month for full coverage. Also, I don't know where your stationed stateside, but get away from post. Alot of places think they have a captive audience in a military community and charge accordingly.