X-plan doesn't get any major discount, it's more or less a "feel good benefit" to those who don't want to or are not aren't accustomed to haggling...
Here is some advice BEFORE you agree to any pricing, drop any cash or sign any papers...
Don't let emotions and "must haves" run the deal - use your head.... Many people get fogged at this stage and this allows Sales People to take advantage of you and also hide fees, overcharges and scew APR %'s in the figures - yes it happens all the time.
Go in, start the deal talking - don't mention you have any "discount" plans OR a trade in (if applicable) or how you will be paying. Try to get them to their best deal possible. Once you get them to the "deal", tell them you need to think about it and you were also shopping another brand...(lies, but who cares - look out for your best interest).
Go home and call 2-3 other local Ford Dealers and see if they will beat the deal you just got. If so, have them email you the details (say you're at work at the moment and you wouid like to come in after so ask if they can email you what was discussed so you can get your finances ready). If they can't send an email, then write down the Dealer name AND the person you spoke to -
Now go back to your originating Dealer and ask if they will meet the new, lower figure. Tell them you can provide the Dealer/Salesperson name if they call bluff...
If you are satisfied with the now current sales price (tax, fees etc all included) - IF you have a trade in, NOW spring that on them... They will have to now figure in your trade and you are now on top - because they already came down as low as they were willing to do so... your trade will lower your overall "all in" sales price AND taxes.
One more thing - don't finance in any freaking "extended service plans"... You can find out sources on here to get those same plans for FAR LESS than the Selling Dealer's Finance Guy's "best deal" and inflating your financed line so he gets a kick back.
If you introduce your cards early on - you're 98% of the time screwed.... They will know what you have (discounts or trade) and therefore don't have to come down on their end as much ... and they'll play the shell game with a trade - meaning if they know up front you have a trade, they'll make it look like they're giving you more $$$ for your trade and coming down on their vehicle - when facts are, they're not - they're just manipulating the figures so it looks like you're getting a deal on their car...