There are restrictions under x-plan that can make it better than any negotiated price. Under x-plan, dealers can't charge more than $100 doc fee, can't charge dealer or dealer prep fees, and the Ford FDAF fee is included in xplan. For a 2012 GT Premium, the xplan discount is 2k off MSRP, but really its more than that with dealer and ad fees. The only additions to the xplan price will be tax, tag, and doc fee. Literally there should be nothing else. My dealer didn't even add a doc fee and I got the $500 rebate with the interest rate deal. The great thing about this is there's no haggling or arguing or going to check with my sales manager. This is the price you get. You can be friends with your salesman haha!!! If you can use xplan, definately go with that. If the no haggle price is less, go with that. But take into account the fees. No haggle price might not include them.