They started from 4.25 and I have negotiated and brought them down to 3.75. The benefit they are offering is that if the car price goes up in a year and God forbid you lose your car at the end of the year, you will get a brand new replacement qithout any depreciation, they will pay the extra amount too. This is what they are offering, not sure if they actually do this. I have used trakker direct previously and they were good. They install the trakker too which I am not very fond of but unfortunately thats a requirement for corollas by all the insurance companies.
They have their reps on all the 3s dealers, so car can be insured and trakker can be installed the same day when u plan to goto pick ur car. My grande is gonna arrive on monday, when i will goto pick it up, the insurance documentation will already be done.