First, you don’t need volcano insurance (EPAP).
The LH calculator? If so, please copy / paste a link to your best effort; no one is going be able to guess. 
I’ll take one blind stab, though, that you might not be separating dealer discount from incentives, the latter of which are taxed in most states (no idea about IN).
Also, it would be a good idea to step back and figure out exactly what you should be paying for this car before talking further to this dealer or any other.
Holding a deal sheet before you know this positions you poorly for success.