Buy the GAP insurance

In the event you total your car, your insurance company will only pay you market value of the car, leaving you with the remaining amount on your loan. The GAP insurance covers that 'gap'.

Base: $19,197.00
Destination fee: $595.00

Bringing total base invoice to: $19,792.00

MSRP: $20,700.00

That makes total MSRP: $21,295.00

Tell them you'll do it for base invoice. They may laugh, but start from there. Maybe tell them you do it for invoice plus destination fee, $19,792.00. That's only $1503 difference that neither the dealer nor the salesperson is losing, and the value of the vehicle's only going to decline. If they don't budge, don't get smug or an attitude, just say, okay, I'm sure another sales person would be happy to add another sale to their volume this month, then get up and roll out.

**EDIT**
PS, did they not make it in 2006? I only found it in 2005.

~Luke
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1969 Cougar - 11.91 - 380HP
2007 GSXR 750
1999 OZ - SOLD - 15.26 NA - 14.71 on 75 shot