I recently went car shopping, and along the way I got quotes from several different dealers. I collected three quotes that included price before TT&L and price after TT&L. After looking at the numbers, all I can say is that the price after TT&L is the only price that matters or means anything. (TT&L stands for tax, title, and license, but as you'll see, that's not all that it includes.)
My wife was recently the victim of a hit and run. It was a traumatizing experience for her, but luckily she's fine. The car she was driving at the time, my 2002 Pontiac Bonneville, didn't fare as well. My insurance declared it a total loss. I learned a lot about accidents and insurance that I think you should know too.
One year ago, I bought a washer and dryer from Best Buy. The technicians they sent to install the washer and dryer stripped out the threading inside the washer that's used to hold the shipping bolts. (Shipping bolts are used to stabilize the washer and prevent damage when it is moved.) I didn't realize this until one year later because I would have to uninstall and reinstall the washer myself in order to check that the shipping bolts were okay. Best Buy customer service lied to me to get me to hang up the first time I called. the second time I called, they refused to fix the problem in any way because I didn't realize the problem until after their 30 day warranty period expired.