Call some other dealers and get some other quotes.
Where are you based? If you’re on the east coast, you could also just go use a broker…$324+tax.
Thank you sir!
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Just buttering you up to convince you to do some CA Volvo dealz 
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Dumb question here - but why is the down payment gone in the event of the car being totaled? Does insurance not replace the car?
Nope, insurance gives your fair market value of car. Since most cars lose 10%-25% when you drive them off the lot, you are usually going to lose most of your down payment, especially if you car totaled/stolen early in lease.
This is generally more true with luxury leases where depreciation hit is hardest. If you get a good dealer discount on Subaru you probably wouldn’t lose all of your down payment but you would almost certainly lose some of it.
This is where gap insurance would come in right? I thought some insurances require gap coverage for events like this.
Gap only makes the bank whole (difference between actual value and payoff). Your downpayment plays no part of that equation.
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