Lilguy,
I shopped heavily last fall for my new tractor so I'll tell you what I did. I found it best to be fully prepared before I started price negotiations. The dealers will take you more seriously if you are not constantly changing things everything time you ask for their best deal.
First, I chose the tractor with the options and the one implement (besides the loader) that I wanted. I called a local dealer to begin discussing a deal but also wanted feedback on my choice and if I was missing anything. Once I firmed up the tractor decision, I printed out the retail package from Kubota' site so I had a start point. In my case, I got my first quote from that same local dealer but you can skip that and get a quote from Barlows in Kentucky. It's $750 to ship up here but no sales tax and they'll split shipping with other customers around us. They also gave a multiple machine discount because I was shopping for two tractors. Armed with their price, I began negotiating with that first local dealer and also began talking to another dealer a little further south but still in our local area. Ultimately, I bought from that second local dealer for $500.00 or so more than out of state. My friend actually started the discussion with that second dealer and ended up buying a tractor and RTV for himself so that dealer ended up with three machine sales from us.
I had the money to buy my tractor outright and had every intention of doing so. I told each dealer as such when I was negotiating. At the time (last fall) Kubota had 100% financing at 0%. It may be different now with cash rebates, incentives etc but I paid the same price cash or credit so I financed.
We are in the same general area so send me a PM if you'd like to talk more. I would be happy to give you the names of the dealers I was talking to as well. Believe it or not, I actually like both of the local dealers but the one was just more willing to negotiate.
Good luck.
John