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Chevy Dude's Civic Si Deal DEBUNKED By His Own Dealership!

Chevy Dude's Civic Si Deal DEBUNKED By His Own Dealership!

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About this episode

Dealership pricing claims get stress-tested through a Civic Si negotiation that keeps circling back to one question: what’s the real price versus MSRP. The host lays out a DIY approach—call multiple dealers, check inventory, and anchor on an out-the-door breakdown—while the dealership counters with online pricing, market adjustments, and add-ons like “tent and paint.” The buyer pushes back on markups, deposits, and unclear fees, and the episode ends with a “clean deal” verification via calls and secret shopping.

Cars: Honda Civic
Technical Too Afraid to Ask
Car

Honda Civic

"... you ever wondered what is a good deal on a Honda Civic Si? You might not be looking for a Civic Si, but ..."

The Honda Civic is a small, everyday car that’s made to be affordable to run and easy to live with. The “Si” is a more performance-focused version of the Civic, but it’s still the same basic model family. People talk about deals on Civics because there are many versions, so prices can vary a lot.

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Term

market data

"Now the reason why we can do some of that kind of stuff at Delivered is because we know what price to ask for because of that market data."

“Market data” means real-world info about what similar cars are selling for right now. If you don’t look at that, you’re basically negotiating without knowing what the going price is.

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Concept

figure out the market

"I'm going to teach you how to figure out the market without needing any of that information. Step one, we've got to figure out where you live."

“Figure out the market” means figuring out what a fair price is before you negotiate. Instead of trusting one dealer, you compare what multiple dealers have and what they’re offering.

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inventory

"But the first thing I'm going to do is look at inventory. And I show that there is a 1,124 of these new cars for sale in any color."

“Inventory” just means how many cars are sitting on dealer lots (or available to sell) right now. If there are lots of them, deals are usually easier to find; if there are few, dealers can charge more.

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stock number

"I have a stock number that helps you. Yes, I'm ready for the stock numbers."

A stock number is basically the dealer’s ID for a specific car. It’s how they make sure you’re talking about the exact same vehicle, not a different one with a similar description.

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best price online

"So the best price is going to be with online. Are you going to be financing or leasing?"

“Best price online” is the price the dealer posts on their website. It may not match what you’d hear in person, and it can depend on the exact car and any special offers.

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financing

"Are you going to be financing or leasing? I'm open to financing, open to paying cash."

Financing means taking out a loan to pay for the car over time, with interest added to the total cost. In negotiations, the monthly payment you’re offered can differ from the car’s advertised price depending on the loan terms.

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leasing

"Are you going to be financing or leasing? I'm open to financing, open to paying cash."

Leasing is like renting the car for a few years with an agreement to give it back. Your deal is usually judged by the monthly payment and what the car is expected to be worth at the end.

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trading

"Okay, so a couple of options. Are you going to be trading?"

Trading means you give your current car to the dealer to help pay for the new one. Dealers may talk about it as part of the deal, but it can change the numbers in different ways than the new car’s sticker price.

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Term

wheel locks

"[613.5s] And then the other $2,050 is for the splashcards, [616.3s] wheel locks, trunk tray, and window tint. [617.6s] Oh, you guys just charged because it's an,"

Wheel locks are anti-theft parts that make it harder for someone to steal your wheels. The dealer is charging extra for them as part of the deal.

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trunk tray

"[613.5s] And then the other $2,050 is for the splashcards, [616.3s] wheel locks, trunk tray, and window tint. [617.6s] Oh, you guys just charged because it's an,"

A trunk tray is a protective piece that sits in the trunk to help protect it from dirt and messes. It’s one of the extras the dealer is charging for.

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window tint

"[613.5s] And then the other $2,050 is for the splashcards, [616.3s] wheel locks, trunk tray, and window tint. [617.6s] Oh, you guys just charged because it's an,"

Window tint is a dark film on the windows. It can reduce sun glare and heat, and the dealer is charging extra for it here.

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splashcards

"[613.5s] And then the other $2,050 is for the splashcards, [616.3s] wheel locks, trunk tray, and window tint. [617.6s] Oh, you guys just charged because it's an,"

Splashcards are protective panels that help stop mud and water from getting thrown up by the tires. The dealer is charging for them as part of the package.

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addendum

"[617.6s] Oh, you guys just charged because it's an, [619.4s] like I thought the window sticker had. [621.7s] The addendum. [622.5s] Yes, sir. [624.7s] So there's an addendum on this car for it being an SI."

An addendum is extra paperwork the dealer adds to the deal. It’s where they can list extra charges or conditions that change the final price.

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out-the-door

"So $31,000 in some change plus tax title license, basically. Okay, sounds good."

“Out-the-door” price means the total cost you pay at the end, not just the car’s base price. It includes things like taxes and registration fees.

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tax title license

"So $31,000 in some change plus tax title license, basically. Okay, sounds good."

“Tax title license” is the extra money added for taxes and paperwork to register the car. It’s why the final price is usually higher than the number you negotiate for the car itself.

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Concept

dealerships think that the Civic Si is just a brilliant, awesome car that is worth above MSRP

"A lot of dealerships think that the Civic SI is just a brilliant, awesome car that is worth above MSRP. You can see just right off the bat"

They’re talking about dealers charging more than the sticker price because they think the car is in high demand. That’s why the buyer is trying to negotiate below MSRP.

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Concept

information asymmetry

"is there is information asymmetry involved. So basically, as a consumer, you will always have less information than the dealership."

Information asymmetry means one side knows more than the other. In car sales, the dealer may know more about real pricing and deals than you do.

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Concept

competition

"The only way to get more information is competition. Competition allows you to get that information and allows for us to really compete"

Competition here means getting quotes from more than one dealership. When dealers compete, they’re more likely to offer better numbers.

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Term

pre-sale

"[836.2s] Okay, so it looks like the car is in transit to the dealership. [839.0s] Okay, is it available for pre-sale? [840.7s] Yeah, you can put a deposit on it until it gets here."

“Pre-sale” means you can put money down and reserve the car before it shows up at the dealership. It’s basically a reservation for a car that’s still on the way.

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dealer add-ons

"[845.3s] So the price on it is 35, 145. [847.9s] We don't have any dealer add-ons, any accessory fees. [850.6s] So we give you a real lot."

Dealer add-ons are extra add-ons or fees the dealership adds to the deal. They can make the final price higher even if the base car price is close to MSRP.

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flash guard

"[851.5s] We give you a window tint, a flash guard, [853.9s] and an all-weather trunk mat for free. [855.9s] Okay, so you guys don't have any dealer add-ons,"

“Flash guard” sounds like a protective coating or film the dealer adds to help protect the car’s paint. Since dealers can mean different things, you’d want to confirm exactly what product it is.

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all-weather trunk mat

"[851.5s] We give you a window tint, a flash guard, [853.9s] and an all-weather trunk mat for free. [855.9s] Okay, so you guys don't have any dealer add-ons,"

An all-weather trunk mat is a protective liner for the trunk that helps keep it clean when you carry wet or dirty stuff. Dealers sometimes throw it in for free.

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Term

market adjustment

"[858.5s] so you guys are just charging MSRP for it? [860.8s] And there's a 1775 market adjustment on it. [863.9s] Okay, you said you aren't charging above MSRP."

A “market adjustment” is extra money the dealer adds on top of the sticker price (MSRP). It usually happens when the car is in high demand or short supply.

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Concept

carbine

"This is why people hate carbine. It is insane that two different people,"

“Carbine” sounds like the host’s slang for how people shop for car deals—calling around and negotiating. They’re saying how you communicate can change what price you end up paying.

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inflate the price

"But realistically, dealerships are going to try to inflate the price and take advantage of people that just say yes."

This means the dealership may start with a higher price than you should really pay. The idea is that if you hear a big number first, it can be harder to negotiate down. The speaker is saying this can be a tactic to get you to agree faster.

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quality assurance

"This call may be recorded for quality assurance. For service, press one."

That phrase means the dealership may record the call to check that employees are following the right process and treating customers properly. It’s basically internal monitoring for customer service quality.

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Term

repel

"And then the next one's going to be repel. [1384.9s] Have you heard of repel? [1385.6s] Repel the paint protection stuff."

“Repel” is the name they’re using for a paint-protection add-on. It’s supposed to protect the outside of the car for a long time, like several years.

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Term

paint protection stuff

"Have you heard of repel? [1385.6s] Repel the paint protection stuff. [1387.0s] Yeah."

This is an add-on that’s put on the car’s paint to help it stay looking nicer. It’s meant to protect against things like bugs, small scratches, and weather.

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winter protectant

"Yeah. So it's going to be your exterior [1389.2s] into your winter protectant for seven years."

This is an add-on meant to help the car handle winter conditions. It’s usually about protecting the paint and making it harder for salt and grime to cause damage.

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Term

service agreement

"And then you have your service agreement. [1400.5s] Obviously that's going to be your bumper to bumper extended warranty."

A service agreement is basically an extra coverage plan you buy from the dealer. It’s meant to help pay for repairs beyond the original warranty.

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bumper to bumper extended warranty

"And then you have your service agreement. [1400.5s] Obviously that's going to be your bumper to bumper extended warranty."

This is an extended warranty you buy that’s supposed to cover a lot of repairs. The dealer is saying it covers more than just one small part of the car.

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low jack

"If with everything, let's say you do low jack, [1405.5s] repel, service agreement, tax title license,"

“Low jack” is an anti-theft tracking/recovery system. If the car is stolen, it’s meant to help authorities find it.

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Term

at the door

"If with everything, let's say you do low jack, [1405.5s] repel, service agreement, tax title license, [1407.7s] everything you'd be at 45242 at the door."

“At the door” means the final total price you pay at the end of the deal. It includes the car plus the extra fees and add-ons.

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Term

TTL

"So the breakdown, let me see. So TTL is going to be 2419, 265, 225."

TTL is the total of taxes plus the paperwork fees to get the car titled and registered. It’s usually added after the car price, so the final number can be higher than what you first see.

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accessories

"And then we have our accessories, which is just your windows. And then we install that 399."

Accessories are extra add-ons the dealer includes with the car. They can raise the final price even if the base car price looks good.

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Term

SSI

"And then since it is obviously the SSI, it's really high demand. Looks like there's a $3,000 markup."

SSI sounds like a code the dealer uses for the specific Civic Si listing they’re talking about. The key point is that this particular one is in high demand, which can affect pricing.

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markup

"And then since it is obviously the SSI, it's really high demand. Looks like there's a $3,000 markup."

A markup is extra money the dealer adds on top of the car’s normal price. If lots of people want that car, the dealer may charge more than expected.

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Car

2026 Honda Civic Si

"I mean, so right now for the 2026 Honda Civic Si, the urban gray one, [1557.5s] that one is an inbound unit."

The Civic Si is a sportier version of the regular Honda Civic. Here, they’re talking about a 2026 Civic Si and how they’ll reserve it and price it once it arrives.

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Term

inbound unit

"that one is an inbound unit. [1558.9s] So it's on the website, but it's not here yet."

An “inbound unit” just means the car is coming to the dealership soon, but it isn’t there yet. They can still reserve it with a deposit while it’s on the way.

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deposit

"for the deposit, it's just $500 refundable deposit. [1571.4s] Whenever it gets here, you can put that down to reserve it, of course,"

A deposit is money you pay upfront to hold a car for you. In this case, they say it’s refundable and can be used toward the final purchase price.

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total fees

"for the, of course, just the sales tax, total fees, everything included, [1597.7s] you'd be looking at $3,503 total."

“Total fees” are extra charges added to the car price. Even if the car is discounted, fees can still make the final bill higher.

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Term

dealer ads

"Well, we came down $645 off the original SRP. And then of course, I mean, no dealer ads. You're just paying for your taxes and titles."

Dealer ads are extra add-ons or fees that a dealership may add to the price. If they say there are no dealer ads, they’re claiming they won’t add those extra charges.

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Term

out of the door

"It's $35,000, $13.46 out of the door. And then of course, being that it's an inbound unit, it's not here yet."

"Out of the door" (often shortened to OTD) means the total amount you pay to drive the car home, including taxes, registration, and title fees. It’s the most shopper-relevant number because it bundles the extra costs beyond the sticker price.

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customer savings

"And then we saved you. Customer savings was negative $645 and savings. And of course, the outdoor price after taxes, everything."

“Customer savings” is how much money the dealership says you’re saving versus the sticker price. If they say it’s “negative,” it usually means the numbers don’t work out in your favor the way you’d expect.

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outdoor price

"And of course, the outdoor price after taxes, everything. And of course, no dealer accessories. It's going to be $35,013.46."

The out-the-door price is the final total you pay, including taxes and fees. It’s the number you care about most because it’s what you’ll actually hand over at the end.

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titles

"After taxes, titles, everything else. You'd be looking at $34,694.16."

“Titles” refers to the paperwork that officially puts the car in your name. It’s one of the fees that can be included in the final price.

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mystery fees

"We got no mystery fees, just the car, the dock fee tax and registrations."

Mystery fees are extra charges that show up at the end of the deal and aren’t clearly explained. They can quietly raise what you pay.

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registrations

"We got no mystery fees, just the car, the dock fee tax and registrations."

Registrations are the government fees to get the car titled and ready to drive legally. They usually can’t be removed, but they should be itemized on the quote.

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Term

dock fee

"We got no mystery fees, just the car, the dock fee tax and registrations."

A dock fee is a charge related to moving the vehicle from the port (or dock) to the dealership. It’s a real logistics cost, but it’s often bundled into the final pricing and can be negotiated or compared across dealers.

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Concept

secret shopped

"So I had to discover more. I called the dealership and I secret shopped them and what you're going to learn is going to blow your mind."

Secret shopping is when someone poses as a normal buyer to see what the dealership really offers. The goal is to catch differences between what’s advertised and what you’re told in person.

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Term

finance

"Do you know if you were trying to finance big cash release? Cash. Big cash for it?"

“Finance” means you pay for the car over time with monthly payments, usually through a loan. The final price can change depending on the loan terms.

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Concept

market's been weird with the war

"Has it happened in the last few months? I don't know. I know the market's been weird with the war. Other risk you're going to find is Honda shuts down production in June,"

They’re saying world events are making car supply and pricing act strangely. When fewer cars are available, dealers often can’t sell at the sticker price as easily.

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Term

Honda shuts down production in June

"I know the market's been weird with the war. Other risk you're going to find is Honda shuts down production in June, and they don't start ripping up production again until July. We don't know when we're getting cars."

They’re saying Honda stops making cars for a bit in June. If fewer cars are being built, dealerships get less inventory, and prices can rise.

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Place

Cincinnati, Ohio

"And then where are you guys located again? We're in Cincinnati, Ohio. Okay, that is the way. Can you send me, or when will the car be there?"

They’re saying the dealership is in Cincinnati, Ohio. That can affect how the car gets delivered and what the local pricing looks like.

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Term

Urban Gray

"I think it's called Urban Gray, I believe. [2397.4s] Okay, yeah, Urban Gray. [2399.0s] I might consider that color."

Urban Gray is the name of a specific paint color for the car. It’s basically the car’s exterior color option, and it can affect availability.

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Concept

starts down production in June

"So, like I said, Honda starts down production in June. [2417.1s] So, the cars that we have, they will be sold. [2419.9s] Okay."

This means the factory is scheduled to start building those cars in June. If they’re not being made yet, there may be fewer cars available right now, which can affect price.

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