Compare Dealer Quotes by Out-the-Door Price
Put up to three written offers into the same structure so a low advertised price, monthly payment or inflated trade allowance does not hide the more expensive deal.
Compare total price, not payment.
Add dealer fees, add-ons and government charges exactly as quoted.
Government amounts are compared as entered. Run the applicable state calculator separately to audit taxes and fees.
Compare the same categories across every quote
Dealer worksheets often use different labels and layouts. One may combine documentation and electronic filing charges, while another may place accessories or protection products inside the vehicle price. Enter each amount in the closest matching category rather than comparing only the printed subtotal.
- Vehicle selling price after the negotiated discount.
- Dealer-controlled documentation or processing fees.
- Optional or dealer-installed products and accessories.
- Sales tax, title, registration and other government charges.
- Rebates, cash down payment and gross trade allowance.
- Trade payoff so equity is not confused with tax treatment.
Use this comparison order
- Confirm that every quote describes the same vehicle and trim.
- Compare the complete out-the-door purchase price.
- Inspect dealer fees and add-ons that create the difference.
- Review gross trade allowance and payoff as separate numbers.
- Compare APR, term and total interest only after price.
Why a larger trade allowance can still be a worse deal
A dealer can raise the trade allowance while also raising the replacement vehicle price or adding products. The customer sees a stronger trade number, but the net transaction can remain unchanged or become more expensive. Compare the replacement vehicle price, gross trade allowance and payoff independently.
Verify government charges outside the comparison
This page compares the taxes and registration amounts entered from each quote; it does not automatically decide that a government line is correct. Check the appropriate state calculator and the official source registry before challenging a figure.
Frequently asked questions
Should I compare monthly payments or OTD prices?
Compare the out-the-door price first because loan term, APR and down payment can make a more expensive deal appear cheaper each month. Review financing only after the purchase totals are normalized.
How should I enter a trade-in with a loan payoff?
Enter the dealer's gross trade allowance and the outstanding payoff separately. The difference is trade equity, while the gross allowance may affect the taxable amount under the applicable state rules.
Does the lowest selling price always mean the best quote?
No. A lower advertised or negotiated price can be offset by higher dealer fees, mandatory add-ons, fewer rebates or a weaker trade allowance. Compare the complete transaction structure.
Can this tool verify taxes and registration charges?
The comparison records the figures shown on each quote. Use the detailed Florida, Texas or Washington calculator, or the national custom-rate calculator, to test those charges separately.