Comparison Choices, Choices, Too Many Choices

[GirlWhoWantsTractor]

The Massey dealer seems the most cooperative and the TYM people acted like they didn't care at all, it was kind of like pulling teeth to get them to print out a quote at all.

Deere has the best incentives, but is still high.

LS was maybe the friendliest, but they're the farthest away.

Haven't been to Yanmar yet and may not since I have no other reason to be in that area.


Forgot Mahindra in the quotes above:

eMax TLBM $27,371
Max TLBM $28,371

But I think those quotes included a tiller, so I need to clarify that.

Can't be right. Was this a real dealer quote or off the website?

 

[Diggin It]

Can't be right. Was this a real dealer quote or off the website?

From the dealer, but they apparently include the tiller.

Checked again and it's as follows:

eMax with BH, FEL and MMM: $22,700
Max with BH, FEL and MMM: $23,000

Tiller is just shy of $2K

This were the non-financed charges and include some incentives. With 0% financing those prices would be much higher as all of the incentives would evaporate.

They're just not even in the same city, let alone the ball park.

Another comment I got from someone is that these machines seems to have been the same for many years with no changes or updates 'like they're stuck in the 80s' or something. And I kind of got that feeling when looking at them.

 

[Diggin It]

It was down to the JD 1025R, Massey GC-1710 and LS MT-125. I compared everything I could and all three machines seem very close, but with a slight advantage to each one in some areas. LS and Massey were a bit less than JD but not enough to tip the balance. Until today. Massey came up with a good deal on a Woods tiller, but there was an issue with the finance company who wanted to add another $15-20 in fees to each monthly payment for insurance on the machine since I don't currently have Homeowners. LS says their finance company doesn't make that requirement. And we found a lower interest rate which cuts the total payback by a couple of thousand dollars. That gives me enough to add their tiller and subsoiler into the deal. He also said he'd load the tires with Rimguard for no extra cost.

So, unless something significant changes (or somebody wakes me up to something I've missed), it looks like I'll be going Blue sometime tomorrow.

 

[atsah]

I have never paid for loaded tires on the four tractors I have bought, not requiring insurance on a tractor and implements that's financed to someone with no homeowners is surprising, if someone steals it or it burns up somehow they are coming after you for the amount still owed on a tractor that you no longer have.. Read the fine print, there has to be something in the finance doc's that protects there investment.

 

[tjkubota93]

You dont have homeowner's?

 

[majorwager]

Yes, how can a property owner not have homeowner's insurance, unless the person isn't actually a homeowner? Is the tractor purchase a ruse? A tire kicking exercise?

EDIT:

I have never had a mortgage. My only payment in the last twenty years was to kubota, since zero interest spent their money as opposed to my own.

That said, exposing my home, vehicles, shop/storage facility and equipment to all perils risk would be sheer lunacy.

 

[atsah]

He may own his property outright therefore he is not required to have it.. Not having it is pretty risky though..

 

[Diggin It]

^^ Ding, ding, ding!!!

And no loss of any kind in over 20 years, so all that premium money saved is now buying me a new toy. I'll have to get something though, but I didn't want it tied to the credit approval.

 

[tjkubota93]

Owning outright I would keep insurance. The cost vs the benefit is low. I keep a high deductible, I want insurance for the high $ stuff. They just paid my first claim $25k.

I own everything except my house outright and keep insurance on it.

 

[atsah]

^^ Ding, ding, ding!!!

And no loss of any kind in over 20 years, so all that premium money saved is now buying me a new toy. I'll have to get something though, but I didn't want it tied to the credit approval.

Is homeowners really costly were you live? I think I pay $700 a year for a $200,000 policy, man if you get so much as a **** squirrel that chews your wires and your house burns down it will cost a fortune to replace it, I dislike insurance company's with every fiber of my being but for your home they are a necessary evil..