1999 Toyota 4Runner — dealer lowered price but added accessories back in

Walked a dealership this week on the 1999 Toyota 4Runner and the doc fee was the tell. Going to re-read the worksheet tonight.

I'd slow the salesperson down here. Two 1999 Toyota 4Runner quotes only help if both include tax, title, and the same options. That's the part that actually changes the decision. This is from a 1999 Toyota 4Runner in California. No need to make it theatrical. Calling insurance in the morning before I reply to the desk.

Get the messy numbers in writing first. Call your insurer in California before you fall in love with the 1999 Toyota 4Runner. Do that before you talk monthly again. On “dealer lowered price but added accessories back,” that was the fork that mattered for me. That's the sequence I'd use. If your situation is the opposite, ignore me. I'd rather look cautious in this thread than stuck later.