i got mine thru a reputable bank - no in-house financing, 1st year free insurance (of 3 years), no extra charge accessories or kits, and with their standard casa give-aways (tint and floor mat)
literally and figuratively speaking, i negotiate with them and with the help of the manager of the bank, the unit was awarded to me.
best of all, i managed to dodge all those add-ins offered by the casa
