Working on creating a target payment for a loaner GLA 250 in Cali. Didn’t see any DPs for sales, but was wondering if any of you knew a good target % off MSRP or have suggestions for anchoring in a scenario like this. I’m seeing multiple over 20-22% off MSRP on dealer sites, so I’m wondering if I could push towards the 30 range. Will have to confirm that they aren’t jacking the MF or have bs fees as well.
Will update with numbers once I have them 
This would have some obv limitations, but assuming you haven’t already opened up your geographic criteria for this vehicle, I would reverse engineer other loaner offers for other low-end MB models to see if there’s anything resembling a pattern.
For example, you could put this into the calculator to figure out what kind of discount it would take to get you to the advertised payment, and repeat with other loaner offers you can find.
99% guaranteed that includes purchase/finance rebates that don’t apply to leases.
Hey everyone — looking for some quick advice/direction.
I’m in California and am working on my first-ever lease. I’ve negotiated what I think is a really strong deal on a BMW i4 edrive at ~$450/mo effective with $0 DAS. I genuinely want to pull the trigger today.
The issue is insurance. As a 22-year-old male, my quotes are coming back insanely high, and once I factor that in, the all-in monthly cost is pushing the very very top of my budget. Because of that, I’m considering switching to something cheaper if I can get a big enough gap in total monthly cost.
At this point, I’d only move off the i4 if I can get to sub ~$330/mo effective ($0 DAS preferred), basically a $200+/mo swing after factoring in what I expect the difference in insurance to be.
I’ve mostly been looking at luxury options so I’m not that in tune with how the more economy brand cars are leasing. From what I’ve tried to look at, only the lower MSRP Hyundai/Kias would work for less than $330 a month. Not that particular about the specific car, but would need to make sure it doesn’t feel cramped as I’m 6’3”
If anyone has suggestions on any specific models or methods I might be missing please let me know. I need to give the BMW dealer an answer today, so any quick guidance would help a ton.
Thanks in advance 
Just a friendly word of advice to make sure you have factored in that your insurance will likely increase not insignificantly every 6 months, and then of course there will be big increases if you get into an at fault accident, get a ticket, etc.
This isn’t freakishly tall, and won’t eliminate many choices (if any).
I respectfully disagree that this is a luxury option, nor is it very large.
This i4 trim is positioned right where the 330 used to be, as BMW’s volume/value clown car.
That doesn’t make it a bad car; it’s just not an aspirational vehicle worth stretching the limits of one’s budget IMO.
C300 and gla250 might be decent choices. In my experience, the insurance quotes for these are also cheaper. (Likely electric vs ICE difference)
That’s a good point, and that might put the 330 in play as well.
(Note that I’m not following how those are leasing, just extending the logic.)
If you can fit in an i4, you can fit in a Kona. I’ve driven both.
@CaruzenAuto got me a lease for an Q4 etron with an effective monthly payment of 290 a month pre tax. Hes in socal so might be worth reaching out to.
Insurance on a 22 yr old in CA is $2400 full coverage in a Cheap Mazda CX5. (Required in a lease)
That’s $200 in itself.
So now you are down to $130/month for a car.
This is going to be really tough.
I understood the $330 to be for the car itself.
Just negotiated an EX30 RWD Plus for my friend here in North Carolina.
Comes out to $337 / mo 27/10 with just MSD due at signing.
9%ish discount, Costco Executive, and A-Plan from Bank of America
Yeah I’ve been also working on GLAs but they’ve been stingy about even going sub 400. I should be receiving an offer for $365 this morning but even with that and the cheaper insurance (by $50 according to a quote), the socal premium gas eats into a lot of that savings.
lol from my upbringing anything BMW I would consider luxury, but I guess there’s levels to this haha.
Will have to check this out
And for that reason, I’ll be consolidating your threads in a moment. If you’re asking questions in rapid succession, perhaps best to continue your discussion in a single thread (since helpful context can be lost otherwise).