USAA- sept 10

Car Buying ServiceCar Buying Service

Use the power of USAA to save money on your next vehicle… guaranteed!

Buying a new car has always been a hassle – fi lled with confusion, wasted time and that sinking feeling that you could have gotten a better deal. With USAA Car Buying Service, all that is about to change!

USAA offers members guaranteed upfront member prices that are often thousands of dollars less than MSRP – all from top dealers in your area.

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Why buy a new car with USAA?

• Get a guaranteed price thousands less than MSRP

• Work with Certifi ed USAA Dealers near you

• Buy with confi dence and save time

Here’s how it works

Visit USAA.com to:

Choose from thousands of top makes and models

Select your options & extras

Get a guaranteed price from a Certifi ed USAA dealer

It’s that easy!

For more information, visit www.USAA.com, Keyword: CAR BUYING

New Car Pricing ExampleBased on the same new car model with different option packages.

New Car Pricing Curve (FPO COPY)FPO FPO FPO Explain what this curve is? What is this curve. FPO and FPO Explain what this curve is? What is this curve. Why oh why.

Preferred Package $1,880Keyless Drive $432Factory Invoice $28,397

My Guarantee $1,500 Below Factory Invoice

My Price with Guarantee $26,897

Options Package AClimate Package $846Sirius Radio $432Factory Invoice $27,307

My Guarantee $1,500 Below Factory Invoice

My Price with Guarantee $25,807

Options Package B

Base Vehicle Invoice $26,085

2011 Volvo S40Trim: Sedan w/ Moonroof

Your Price Protection Guarantee

Your price relative to Factory Invoice is guaranteed at the dealer when you buy any same model year, model or trim regardless of options. Just ask to see the vehicle’s Factory Invoice to calculate your purchase price.

Adding andRemoving Options

If you choose diff erent options from your currently confi gured vehicle, your Price Guarantee relative to Factory Invoice will not change.

Fees & Incentives

Your price includes destination and all other manufacturer fees plus incentives. Your USAA Certifi ed Dealer will confi rm incentive eligibility and compatibility with Manufacturer Lease/Finance off ers.

Availability

Your price relative to Factory Invoice applies to cars in stock for this year, model and trim.

Getting a Great Price with USAAEvery USAA Certifi ed Dealer agrees to price their vehicles relative to Factory Invoice – meaning you enjoy guaranteed savings even if the exact car you requested isn’t in stock!

Dealer Cost Sticker Price

$26,628 $27,460 $28,625

Great Price Good Price Above Market

LESS THAN $26,559 LESS THAN $27,015 $27,016 OR MORE

GreatPrice

GoodPrice

AboveMarket

650 purchases during the last 6 months

Average Paid

$26,912

Factory Invoice

Best Local Price

$26,210GREAT PRICE

Locate Dealers

We show you the best local price in your area from a USAA Certifi ed Dealer

We show you what others paid for the same car - so you’ll never overpay

™

We make it easy to see the difference between a good and a great price

For more information, visit www.USAA.com, Keyword: CAR BUYINGFor more information, visit www.USAA.com, Keyword: CAR BUYING

Finance with USAA USAA makes it incredibly easy to get a new car loan at a money-saving low rate that you can afford.

Simply visit the USAA auto loans page and:

Fill out a short, online application. It’s easy, secure and in most cases you’ll get your decision instantly!

E-Sign your approved loan immediately. You don’t have to wait for any paperwork to arrive in the mail.

Transfer funds electronically. No more trips to the bank, or waiting weeks for a check to arrive in the mail.

USAA members who need a new car can enjoy exclusive benefi ts when they fi nance their purchase, including:

• Incredibly low member rates for our members – as low as 1.99% APR for new cars and 3.59% for used cars!

• No application fees, hidden closing costs or early-payoff penalties

• Ship your car overseas when you have a permanent change of station (PCS).

• Protect your investment online & save with USAA Total Loss Protection for as little as $299.

Don’t wait another minute. Finance your new car with USAA and save money today!

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SAVE EVEN MORE MONEY WITH USAAUSAA members are eligible to receive exclusive dealer incentives specially created to help members of our armed forces save money on their new car.

The following special incentives can save you thousands of dollars in addition to the low price you’re already enjoying with USAA.

See the following pages for more information about the latest manufacturer’s incentives.


Receive $1000 in additional incentives on Chrysler, Dodge, Jeep, & RAM vehicles

with valid certifi cate from the USAA Car Buying Service

Exclusively for USAA MembersA SPECIAL OFFER FROM CHRYSLER

MY Chrysler 200 Sedan (excluding LX)

Chrysler Town & Country Ram 1500 Pickup (Quad Cab & Crew Cab Only)

Jeep Wrangler UnlimitedJeep Wrangler

Jeep Grand Cherokee

Dodge Avenger (excluding Express)

Dodge Grand Caravan


$4,000 incentive on the 5 star safety and comfort M-Class SUV

(including BlueTEC & Hybrid)

A SPECIAL OFFER FROM MERCEDES-BENZ

Receive up to $6,000in additional incentives on Mercedes-Benz vehicles

Exclusively for USAA Members

$6,000 incentive on the 7 passenger full size

GL-Class SUV (including BlueTEC)

$6,000 incentive on the fl agship S-Class Sedan

(including Hybrid)

$4,000 incentive on select E-Class Sedans & Wagons


A SPECIAL OFFER FROM MERCEDES-BENZ

Car Buying Service

GET UP TO $750 IN ADDITIONAL REBATES! Check out your savings with a USAA Certifi ed Dealer today.

Don’t forget to have your USAA membership card, insurance card, and/or loan approval documents with you when you visit the dealer to claim your $750 incentive.

GM, Chrysler and Mercedes-Benz offers are limited time purchase price discounts. Offers available from manufacturers through participating dealers. GM discounts not available on Saturn, Hummer, Pontiac, Saab and Cadillac vehicles, Corvette ZR1, Chevrolet Volt, Camaro convertible, and medium duty trucks. GM, Chrysler and Mercedes-Benz offer discounts only to persons eligible for membership in USAA’s Property and Casualty Insurance Group. P&C membership is generally available to current and former members of the U.S. Military and their former dependents. GM requires presentation of proof of USAA eligibility and will accept a USAA card with USAA number, USAA loan documents, or a USAA insurance card at the time of purchase. Mercedes-Benz requires a USAA card with USAA number or a USAA insurance card and a printed USAA Member Vehicle Incentive Program (EAB) page from USAA Car Buying Service with discount amount and offer code. Mercedes-Benz discount amounts may vary by model year and model. The Fleet incentive must be used at time of purchase or lease. Fleet incentives cannot be used in conjunction with Dealer Employee Purchase Program (DEPP), Mercedes Vehicle Plan (MVP), Master Lease Program (MLP), Diplomat, European Delivery, Courtesy Vehicle Program (CVP), Special Demos, Competitor Conquest Program, other Fleet Programs (Corporate Sales or Fleet Employee Program (FEP)), or non-U.S. Specifi cation vehicles. Some manufacturer incentives cannot be added to the discount. See your dealer for more details. There is no obligation to purchase or continue USAA products or services to obtain the offer.*GM and Mercedes-Benz offers are limited time purchase price discounts. Offers available from manufacturers through participating dealers. GM discounts not available on Saturn, Hummer, Pontiac, Saab and Cadillac vehicles, Corvette ZR1, Chevrolet Volt, Camaro convertible, and medium duty trucks. GM and Mercedes-Benz offer discounts only to persons eligible for membership in USAA Property and Casualty Insurance Group. P&C membership is generally available to current and former members of the U.S. Military and their former dependents. GM requires presentation of proof of USAA eligibility and will accept a USAA card with USAA number, USAA loan documents, or a USAA insurance card at the time of purchase. Mercedes-Benz requires a USAA card with USAA number or a USAA insurance card and a printed USAA Member Vehicle Incentive Program (EAB) page from USAA Car Buying Service with discount amount and offer code. Mercedes-Benz discount amounts may vary by model year and model. The Fleet incentive must be used at time of purchase or lease. Fleet incentives cannot be used in conjunction with Dealer Employee Purchase Program (DEPP), Mercedes Vehicle Plan (MVP), Master Lease Program (MLP), Diplomat, European Delivery, Courtesy Vehicle Program (CVP), Special Demos, Competitor Conquest Program, other Fleet Programs (Corporate Sales or Fleet Employee Program (FEP)), or non-U.S. Specifi cation vehicles. Some manufacturer incentives cannot be added to the discount. See your dealer for more details. There is no obligation to purchase or continue USAA products or services to obtain the offer.**For a limited time, enjoy $4,000 incentives on the E-Class and M-Class, and $6000 incentives on the S-Class, and GL-Class. Exclusive USAA Offer available now through June 30, 2011.USAA Car Buying Service and Lowest Price Guarantee provided by Zag.com Inc. USAA does not broker, sell, or lease motor vehicles. This is an information publishing site operated by Zag.com Inc. on behalf of USAA. Zag is not the seller of any of the vehicles listed on this site. All vehicles shown on this site are advertised and offered for sale by licensed motor vehicle dealers. All displayed vehicles are subject to availability from the selling dealer, and used vehicles are subject to prior sale and prices listed are not pre-negotiated. Brokerage services in California are provided by Zag, a California-licensed motor vehicle dealer/broker.USAA Preferred vehicles represent vehicles which are determined to be a good fi nancial value using a USAA developed proprietary statistical model. The model relates MSRP to vehicle features (engine type, drive train, electronic stability control, anti-lock brakes, number of airbags, transmission, body additions, curb weight, horsepower to curb weight, height and vehicle class), fuel economy, insurance cost, additional warranty cost, depreciation, popularity, special USAA member discounts provided by dealers or manufacturers and IIHS top safety pick to determine the value. USAA Preferred vehicles are those vehicles ranked in the top 40 percent for each vehicle class AND obtain “Good/Acceptable” crash test ratings from IIHS. In providing this analysis USAA does not consider factors other than those disclosed in determining USAA Preferred vehicles.USAA Auto Circle ™ is a program provided by United Services Automobile Association. Availability, eligibility restrictions and fees may apply to certain banking, insurance or ancillary products. Property and casualty insurance provided by United Services Automobile Association, and its affi liate property and casualty insurance companies (San Antonio, Texas) is available only to persons eligible for P&C group membership. Eligibility may change on fact based ors such as marital status, rank or military status. Applicants must meet underwriting guidelines. Loans provided by USAA Federal Savings Bank, Member FDIC. Purchase of a bank product does not establish eligibility for or membership in USAA property and casualty insurance companies. Some products provided through USAA Auto Circle are provided by third party providers. Each company has sole liability for its own products.Investments/Insurance: Not FDIC Insured • Not Bank Guaranteed • May Lose ValueUse of the term “member” does not convey any legal, ownership, or eligibility rights for property and casualty insurance products. Ownership rights are limited to eligible policyholders of United Services Automobile Association. Eligibility may change based on factors such as marital status, rank, or military status. Contact USAA to update your records or to obtain additional information about eligibility. Children of USAA members are eligible to purchase auto or property insurance if their eligible parent purchases USAA auto or property insurance.Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA County Mutual Insurance Company, USAA Texas Lloyds Company, San Antonio, TX, and USAA, Ltd (Europe) and is available only to persons eligible for P&C group membership. Each company has sole fi nancial responsibility for its own products.Bank products provided by USAA Federal Savings Bank, Member FDIC

Only USAA Certifi ed Dealers offer the LOWEST PRICE GUARANTEE

Exclusively for USAA MembersEXTRA SAVINGS FROM GENERAL MOTORS

Car Buying Service

Bank products provided by USAA Federal Savings Bank, Member FDIC


“This service facilitated what was by FAR the easiest vehicle purchase I have ever made (and I’ve made many)! Dealer honored the price quote given by Truecar, and there was zero haggling or upselling.”

-Wade SchecklaPORT HUENEME, CALIFORNIA

“I wasn’t going to purchase... I saw that I could save as much as 20% using the USAA Car Buying Service; those savings weren’t available on competing sites. Thank you - I have my dream car at a dream price.”

-Arthur VandellLAS VEGAS, NEVADA

“I admit to being lousy at negotiating price with car dealers. USAA’s Car Buying Service provided important pricing info, and put me in touch with dealers that were will-ing to compete with each other to give me their best deal. My daughter loves her new Subaru Forester; it fi ts her adventurous outdoor lifestye, and I am happy knowing I got a great deal on the car (below factory invoice). Thank you, USAA!”

-Sharon StephensAMARILLO, TEXAS

“I love my car. I love the price. I love the process, and I will never buy another car without going through USAA!”

-Dan MarthalerCHICAGO, ILLINOIS

What People Are Saying...

- Allison Velasquez,Roswell, GA

- Wade Scheckla

Port Hueneme, CA

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USAA- sept 10