The Wall: G’s First Brokered Deal! 2012 Subaru Legacy Premium

As I stated on the title, today, I brokered my first lease! I actually had been working on it the last 3 days, but my “clients” made the final decision and took delivery of their new car tonight! Very fun experience for me.

Name: Mr & Mrs M
Location: California
What They Got:

2012 Subaru Legacy 2.5i Premium
36mo/12k per year
2-year maintenance included
all-weather mats included (freebie add-on)
rubber cargo tray included (freebie add-on)
free car washes

What It Cost:

MSRP $24,336
Sale Price $21,400
Fees rolled in $595 (bank fee)
Due at Signing including 1st months payment $578 (1st month, DMV, dealer doc, tire tax)
Monthly payment (incl 8.75% tax) $270
RES: 55%
MF: 0.00025

My Take: I was negotiating multiple deals for different cars, but we ultimately narrowed it down to three cars: 2012 Sonata GLS, 2012 Altima S and the 2012 Legacy Premium. The Legacy won out because of the AWD and as Mr. M put it, “It just felt right”. The deal I brokered came in with RWG rating of 96.3, which I thought was very aggressive. I managed to take $1000 of the $1250 available dealer cash, which I thought was more than fair. Dealer cost came in at about $22100, which means I got about $700 below that. Of course, with the $1250 in dealer cash, the dealer still came away with about $550 plus month-end volume sales incentives. All in all, a pretty fair deal if you ask me. I also got about $140 bucks of freebies (cargo tray and all weather mats) as a throw in plus car washes.

How did I do with the Sonata and the Altima you ask? Pretty darn good if you ask me!

2012 Sonata GLS – $0 drive-off. $247 a month with 8.75% sales tax.
2012 Altima S – $0 drive-off. $271 a month with 8.75% sales tax.

2011 Subaru Lease Rates – May 2011

The Legacy 2.5i Premium lease rates look rather good this month. Even with a measly $1000 off MSRP discount, you are still getting a pretty good deal on the lease. The V6 is more fun to drive, but if you need AWD and are on a tight budget, this might be a good compromise.


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2011 Legacy 2.5i Premium Sedan
MSRP – $23,020
Sale Price – $22,041
Monthly – $254 + tax
RWG Rating – 90.2

For Dealer Quotes, CLICK HERE.


NOTE: Hyundai residuals increase 1% from 15k to 12k and 2% from 15k to 10k.

2011 Outback 2.5i
36-month | 15k miles | residual 52% | .00120 base money factor

2011 Outback 2.5i Limited
36-month | 15k miles | residual 51% | .00130 base money factor

2011 Legacy 2.5i Limited CVT
36-month | 15k miles | residual 55% | .00080 base money factor

2011 Legacy 2.5i Premium Sedan
36-month | 15k miles | residual 60% | .00070 base money factor

2011 Forester 2.5X Premium
36-month | 15k miles | residual 59% | .00175 base money factor

2011 Forester 2.5 XT Premium
36-month | 15k miles | residual 59% | .00180 base money factor

2011 Forester 2.5X Limited
36-month | 15k miles | residual 59% | .00190 base money factor

Monthly Round-Up : February 2011


Lease rates didn’t change much from last month, but sale prices dropped for most vehicles, which makes February a slightly better month than January. The were a few exceptions, such as in Honda’s case. Honda sales prices in the Southern California region seems to have gone up a bit, making the leases slightly more costly than back in December and January. You will see in the chart that certain Honda’s RWG rating have dropped slightly, but overall, still a very good lease compared to other brands and models.

I have been suggested to perhaps breakdown the Round-Up by class, which I think is a good idea. I will try to spend some time next month reorganize the list and rank the leases by class. In the mean time, enjoy February’s Round-Up!

For Dealer Quotes, Click Here.

Ground Rules

  • Participating vehicles will be based on the lease rates gathered on this website during the corresponding month.
  • 36-month/15k lease terms will used for all calculations unless a better term is available.
  • A $1500 drive-off fee is assumed for all cars. Since fees and taxes vary from region to region, your drive-off may vary.
  • Sale Price estimates will be based on Truecar.com sales data in the Southern California region, so your numbers may vary.
  • All estimates assume you qualify for the base rate. A minimum FICO® Score of 700 may be required.
  • Sales taxes are not included since different states handle taxes differently. Please refer to “Understanding Sales Tax” to learn how taxes affect your monthly payments.
  • The rating system used is based on RIDE with G’s Lease Calculator. The closer you are to the 100 rating, the better the deal. Anything exceeding a 100 rating is phenomenal.

Top Ten Finalists

click to view chart

First – 2011 Nissan Sentra SR (116.1)

Seems like the Civic and the Sentra have been trading places these last few months, so no surprise here. The Sentra is a better deal as a purchase right now since there are some rebates that aren’t available to leases.

Second – 2011 Mazda3s Hatchback (114.5)

Sometimes I wish I could get my hands on Mazda numbers more consistently. If I did, we would see a 3-way competition between Mazda, Nissan and Honda to see which dominates the Monthly Round-Up.

Third  – 2011 Honda Civic LX Sedan (114.4)

Numbers took a dive this month because sale prices have gone up. Further proof that you can’t just rely on residual and money factors alone.

Fourth – 2011 Nissan Altima S Sedan (104.1)

Since the Accord isn’t looking as good this month due to a higher sale price, the Altima makes for a good substitute.

Fifth – 2011 Infiniti G37 Sport Coupe (103.2)

If you are shopping for luxury sport coupes and don’t want to spend much money, this is your ride.

Sixth – 2011 Infiniti G37 Sport Sedan (103.0)

Do you see a pattern? This is the most bang for the buck when it comes to luxury sport sedans.

Seventh – 2011 Honda Accord CrossTour EX (101.4)

Car is getting discounted quite a bit this month. Surprising for a 2011 model.

Eighth – 2011 Infiniti G25 Journey Sedan (100.7)

A sensible choice for those seeking reasonable fuel economy and performance.

Ninth – 2011 Infiniti M37 AWD (98.2)

If I am ever willing to pay upwards of $500+ a month, this would be the ride I’d get.

Tenth – 2011 Honda Accord LX Sedan (97.5)

Dropped quite a bit, but mainly due to a higher sale. Nothing extra haggling with your dealer can’t fix.

Missing the Cut (Honorable Mentions)

2011 Mercedes-Benz C300 Sport (97.3)
2011 Honda CRV LX AWD (97.2)
2011 Nissan Maxima S (96.4)
2011 Nissan Rogue S AWD (95.3)
2011 Nissan Versa S HB (95.2)
2011 Hyundai Sonata SE Turbo (94.7)
2011 VW CC Sport (92.7)
2011 Ford Edge SEL AWD (92.0)
2011 VW Tiguan S 4motion (91.9)
2011 Acura TSX (91.7)
2011 Acura TL (91.4)
2011 Volvo S60 T-6 (91.4)
2011 Lexus IS250 (91.3)
2011 Infiniti FX35 AWD (90.9)
2011 Mazda CX-9 Touring (90.7)
2011 Subaru Legacy 3.6R Premium (90.5)
2011 Audi A3 Premium (90.5)
2011 BMW 135i (90.0)

Parting Shots

If you didn’t notice, the bulk of the Top Ten List are Nissan made. This says a lot since the days of German cars being “great leases” is officially over. Nowadays, they are just good, not great. With BMW and Audi looking disinterested in providing any sort of “deal” to consumers.

On another note, I didn’t think I would see the day when a Volvo would “Miss the Cut”, but that day has arrived in the form of a S60 T6, which is on clearance due to the incoming 2012 model.

Lastly, many models received a price bump so payments may have gone up (or down) slightly. However, the overall feeling I am getting is that February is still a slightly better month than January. Expect bigger changes in March.

2011 Subaru Lease Rates – February 2011

I was hoping the Forester XT Touring would have better numbers, but unfortunately, the high residual seems to be killing the deal right now. I don’t the 2.5X is going to do better, so I don’t recommend either of those this month. The 2.5i Impreza probably won’t be grazing my Round-Up this month either.

Alternatively, the Legacy 3.6R Premium looks good, chiming in at a reasonable 90.5 RWG rating and about $293 per month before taxes (inception fees due at signing).


Here is a sample calculation based on TrueCar’s Southern California sale price and do not include local taxes. Please note that your dealer calculations may vary due to local fees/taxes.

2011 Subaru Forester 2.5XT Touring
MSRP – $30,270
Sale Price – $28,531
Monthly – $381+ tax
RWG Rating – 82.2

2011 Subaru Impreza 2.5i Premium
MSRP – $20,220
Sale Price – $19,223
Monthly – $231+ tax
RWG Rating – 87.8

2011 Subaru Legacy 3.6R Premium
MSRP – $26,720
Sale Price – $24,921
Monthly – $293+ tax
RWG Rating – 90.5

For Dealer Quotes, Click Here.


2011 Subaru Forester 2.5X
36-month | 15k miles | residual 59% | .00195 base money factor

2011 Subaru Forester 2.5XT Touring
36-month | 15k miles | residual 60% | .00200 base money factor

2011 Subaru Impreza 2.5i Premium
36-month | 15k miles | residual 60% | .00110 base money factor

2011 Subaru Impreza WRX Limited
36-month | 15k miles | residual 57% | .00230 base money factor

2011 Subaru Legacy 2.5 Limited
36-month | 15k miles | residual 58% | .00115 base money factor

2011 Subaru Legacy 3.6R
36-month | 15k miles | residual 61% | .00130 base money factor

2011 Subaru Legacy 3.6R Premium
36-month | 15k miles | residual 61% | .00130 base money factor

2011 Subaru Legacy 3.6R Limited
36-month | 15k miles | residual 59% | .00135 base money factor

2010/11 Subaru Lease Rates – August 2010

logo_subbyMy Take: 2010 leases on Subarus are still quite attractive. The 2011s aren’t too bad either. The residual values are strong but the money factors kind of offset that. Sadly, the only Subbie I have driven is the entry level Legacy, which is a snooze. Not a big fan at all.  I’m willing to bet the 3.6R is much better.

GET A QUOTE FROM CARSDIRECT.COM!

2010 Subaru Forester 2.5X
36-month | 15k miles | residual 54% | .00130 base money factor

2010 Subaru Forester 2.5X Premium
36-month | 15k miles | residual 56% | .00155 base money factor

2010 Subaru Impreza 2.5i Sedan
36-month | 15k miles | residual 63% | .00140 base money factor

2011 Subaru Outback 3.5R Limited
36-month | 15k miles | residual 55% | .00190 base money factor

2010 Subaru Legacy 3.6R Limited
36-month | 15k miles | residual 53% | .00120 base money factor

2011 Subaru Legacy 3.6R Limited
36-month | 15k miles | residual 63% | .00200 base money factor

2011 Subaru Outback 2.5i
36-month | 15k miles | residual 57% | .00195 base money factor

2011 Subaru Outback 3.5R Limited
36-month | 15k miles | residual 55% | .00190 base money factor

2010 Subaru Incentives

2010/11 Subaru Lease Rates – July 2010

logo_subbyMy Take: It’s too bad that the only Subaru numbers floating around the web right now are those of the Forester. Nothing against the car itself, but I was looking forward to see some numbers for the WRX and the Legacy. We still have a week left for the month of July, so not all hope is lost. For those hunting down Subaru numbers, try requesting a quote from your local if you don’t see them posted. I don’t have all numbers all the time, but I do welcome any information you may find so that I can share it with the rest of the world.

GET A FREE QUOTE FROM YAHOO AUTOS!

2010 Subaru Forester X Limited
36-month | 15k miles | residual 55% | .00170 base money factor

2010 Subaru Impreza Outback Sport
36-month | 15k miles | residual 56% | .00106 base money factor

2011 Subaru Outback 2.5i
36-month | 15k miles | residual 56% | .00195 base money factor

2011 Subaru Legacy 2.5i Premium
36-month | 15k miles | residual64% | .00200 base money factor

2011 Subaru Legacy GT Limited
36-month | 15k miles | residual 54% | .00150 base money factor

2010 Subaru Incentives

2010 Subaru Outback, Impreza, Legacy Lease Rates – October 2009

logo_subbyUpdate: Updated some of the lease rates for the Outback and Impreza. My Take: Since I didn’t feel like splitting the different Subaru models, I’m decided to cram them all into one post. Anyway, I’m loving the residuals here. The MF is a bit weak though, but certainly not a deal-breaker. I think the price tags of these vehicles are low enough to keep the payments reasonable for most folks (That excludes the STi). As you probably noticed in my OC Auto Show pics, the STi looks pimp in the pearlescent white. Overall, my recommendation is to be aggressive with the sale price, bring it down the payments. Lease rates are usually what they are. Residual are set by the bank, so are the money factors. Sometimes you will find a dealer or two that will bump the MF to make extra money, but you can usually fix that by arguing for it OR putting a security deposit.

  • Visit THE LIST for a list of recommended leases for the month.
  • Support the site by requesting your quotes from Yahoo! Autos. Click Here to get started.

2010 Subaru Outback

2010 Subaru Outback 2.5i
24-month | 15k miles | residual 62% | .00330 base money factor
36-month | 15k miles | residual 55% | .00190 base money factor
48-month | 15k miles | residual 44% | .00265 base money factor

2010 Subaru Outback 2.5i Premium
24-month | 15k miles | residual 59% | .00330 base money factor
36-month | 15k miles | residual 53% | .00190 base money factor
48-month | 15k miles | residual 44% | .00265 base money factor

2010 Subaru Outback 2.5i Limited
24-month | 15k miles | residual 59% | .00330 base money factor
36-month | 15k miles | residual 53% | .00190 base money factor
48-month | 15k miles | residual 44% | .00265 base money factor

2010 Outback 3.6R
36-month | 15k miles | residual 53% | .00190 base money factor

2010 Subaru Legacy

2010 Legacy 3.6R Limited
36-month | 15k miles | residual 53% | .00190 base money factor

2010 Subaru Impreza

2010 Subaru Impreza Outback Sport
24-month | 15k miles | residual 63% | .00330 base money factor
36-month | 15k miles | residual 57% | .00190 base money factor
48-month | 15k miles | residual 46% | .00265 base money factor

2010 WRX STi
36-month | 15k miles | residual 55% | .00190 base money factor
39-month | 15k miles | residual 53% | .00190 base money factor

2009 Subaru Legacy Lease Rates – July 2009

logo_subbyMy Take: Not the greatest lease in the world, but close. The car is cheaper than most cars I post here, so it’s worth a look if you are on a the market for a fairly inexpensive AWD sedan. Two $1500 dealer cash offers going on right now, you can’t combine them. either way, the car retails in the low $20ks, so with the 2010 models out, you should be able to get a sub-invoice price. Remember that at invoice, the car is still not a “great deal”, you need to dig below invoice to make that happen.

Check out the new LIST for the recommended leases of the month.

subscribe to my rss feed post a question, get an answer

2009 Subaru Legacy

2009 Subaru Legacy Sedan 2.5i SE
24-month | 15k miles | residual 58% | .00250 base money factor
36-month | 15k miles | residual 51% | .00125 base money factor
48-month | 15k miles | residual 40% | .00235 base money factor