2024 Kia EV9 — is this actually a good used-car deal? — trying to narrow this down

Hard-won lesson from my last deal: Keep sale price, trade, and financing split on the 2024 Kia EV9 so a “good payment” cannot bury a worse deal. I'd rather lose the car than buy a foggy deal. On “is this actually a good used-car deal?,” that was the fork that mattered for me. Take it or leave it — that's what I'd do. If GAP is bundled I'm making them unbundle it.

If I were shopping this, in New York, insurance quotes flipped a 2024 Kia EV9 comparison for me more than the sale price did. Screenshot the worksheet if you can. Happy to compare notes if your setup is different. Doing the boring step first on purpose.

Don't send a deposit on a phone quote. If they're pushing term length to shrink the payment, the 2024 Kia EV9 price probably got worse. Screenshot the worksheet if you can. I'd want a dollar figure or a measured spec, not 'should be fine.' I'm in no rush to be a hero on it.

Don't send a deposit on a phone quote. In New York, insurance quotes flipped a 2024 Kia EV9 comparison for me more than the sale price did. That's the part that actually changes the decision. Stop there until you know. A day of patience here is cheaper than a wrong part. If the title is messy I'm out, full stop.