I wouldn't say all dealers will rip you off, but then where do you draw the line of getting ripped off. Remember that these guys are sales people and they will do their best to make your car buying experience as expensive as possible. From sales people to financing managers, they all make their money through commissions, so the more they charge, the more money they have in their pockets.
I recommend getting your car loan through an internet based financing company or your local credit union. You'll easily find better deals there, especially if you have a pre-approved amount of credit. This will give you more leverage in your bargaining power.
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