Here is how to beat the smoke and mirrors, it works better on simple vehicles, ie a basic Corolla or say a 3 seat work pick up truck. Stop into dealers and ask for quotes on the vehicle you want. you will basically notice the prices are all in a similar range, do this over a 3 month period and you will get a good feel for the transaction price. Then when the company has a 0% event you now have a better understanding of the price, go to the same dealer and say I want the deal you offered me previously with the 0% on top.