Total liars. Down payment quote was low right up until they are ready to process your payment....just then your quote magically goes up by $50 00 or more without a reasonable explanation (I haven't received a ticket or had an accident in over twents years) . I should have followed my gut feeling, that this is a company that shouldn't be trusted. They also jacked my monthly payment by more than $8.00 a month by saying it's a processing fee. In this day of age where just about everything is paid online I can't imagine why it would cost $8.00 to process anything unless you are trying to rip people off. I will admit that the customer reps were nice...but they lie to keep a job, I guess.