The dealer does stand to lose, as the insurance and other discounts are shared between the Manufacturer and dealer. Also the 40K which is being repeatedly mentioned includes the insurance. Here Tornado has opted to get his own insurance much prior to this offer. How is it ok to blame the dealer when the buyer has already committed to get his own insurance and also the offer comes in at a much later price. As I poster earlier too, I still mention that as a courtesy the dealer should have mentioned about the free insurance. But if the booking form is signed which is as good as agreement at an earlier date, I personally do not see any obligation from the dealer to keep the buyer informed that too when the buyer has agreed to buy the insurance by himself. Hope this point is clear. If the insurance was bought from the dealer, then point blank the dealer is at fault for not informing the customer. Request you to kindly explain how it benefits the dealer? Once the vehicle is billed, that is the prevailing price except for the local state taxes. If the price increases or decreases, the dealer should not have an impact as the car is aready procured. That is the price it will be sold at unless the dealer is willing take a hit on his margins.