www.penfed.org has got to be the best place to pick up an auto loan, new or used. I'm on my third, locked 4.75% for 60 months. You DO NOT have to be in the military or affiliated with DOD (although that would be nice) to become a member, $5 deposit into a savings account is all it takes.
Also, I just switched to Geico today, 3 cars (01 Boxster, 06 Cayenne, 05 CLK320), full coverage, $1,560.00 per year. Saved over $1,300.00 per year over my previous AIG policy.
Now go save some money! If you do, post here with details on how much you saved.
Merry Christmas!