In Feb 2011 I went through United Services Automobile Association (USAA). For an MSRP of 43,850 I was quoted, 38,871 for a Sport. I ended up getting the Limited with a MSRP of 43,895 and ended up paying 38, 278. I normally negotiate for hours, sometimes days, when I buy a car. This was my first time going this route. I used to enjoy the "game" of negotiating for cars but I won't be doing that anymore. I am sure that other buying services can do as well if not better but this worked for me. No muss, no fuss. My local Ford dealer who advertised they would meet any ligitimate offer, didn't, so I had to go 60 miles instead of 15. I guess I'll always wonder if I could have negotiated a better deal but thats life!