Right now it's different, almost every manufacturing company is 0% OR rebates, pick one, and contrary to normal times, they are not having to negotiate prices to invoice except on a few models. Inventories are lower all over with the closing of plants.

Back to the OP, get quotes from other sources as suggested, it's free, and makes your position better when sitting at the dealer.

Dealers make big money marking up the rates they think you'll take to buy the car, banks pay them big back end money... having alternatives from the outside market lets you know where you and the dealer stand.