If you're looking to save some dough on your next BMW purchase, join BMWCCA. A member in good standing for two years prior to a purchase used to get $2500 off the final number. From what I was told in July...BMW USA dialed that number down to like, $1500 now. Still...better than nothing. And......no interest rates to deal with. Just a $30+/year membership fee.
http://www.bmwcca.org/
Hell, Roundel magazine is almost worth that annual rate by itself, if you ask me.