What's the deal with not simply listing an MSRP so the customer has a point of comparison? Having to call dealer after dealer to simply get a price is a real PITA and having been through it once before, I refuse to do it again and have decided to look at older used tractors as a result.
Having to give a dealer tons of information to get a price puts the buyer at a huge disadvantage because every piece of information you give them opens up ways they can play with the numbers to make it look like you are getting a good deal.
Sounds like you have been given the run around by some dealers, but it need not be that way. MSRP means nothing in the tractor business. Nothing. Each dealer sets his own price. And if you want 0%, it cost the dealer a defined amount. If you want 4.25% it costs the dealer a lesser defined amount. If you pay cash, there is no finance fee packed into the price at all, and there is a rebate. The dealer isn't messing around with you, at least a good one isn't. You see, we have a base invoice price, and then monthly they have "programs" where there may be special financing options or special rebates. These all affect the bottom line price.
To me it is not an advantage/disadvantage sort of deal. It shouldn't be a game of skill or cleverness. Instead, "I want a Max22 with a loader, give me a price for cash, and also a price at 4.25% for 84. I live at zip code 96080 and I am farm tax. I have a trailer and will pick it up myself". Then the dealer emails you with a quote and it's dead on.
However I do understand your frustration. It is easy enough to feel like you asked a simple question, "what's the price?" and got the third degree in return! For that reason, last year we decided to price everything at the cash or standard rate price. Now we get the price question and we rattle off an answer, with a disclaimer that our price is cash or standard rate finance, includes any and all rebates and we need to add tax.
Some dealers price all of their inventory at 0% and add the disclaimer that there are various rebates if you pay cash or 4.25%, or whatever. It's a tough call, and your frustration is a good reminder to us dealers that we need to simplify our price schedules as much as possible. But keep in mind that if you like options, we have options, but it isn't as simple as we would like sometimes.
But I will still say, if you are a serious buyer, it doesn't take but a minute or two to contact a dealer and give him adequate info to give you an accurate price.
I think this idea of internet pricing, and how tractors are priced would make a great general topic to discuss. Customers have changed, shopping has changed, we want to be able to get to the price quickly. Interesting topic, but we probably should get back to "Max". And Max is a great tractor.