PIB TIP: LEARN TO BARGAIN. Never settle for the first quote when you are seeking a truck loan. In many cases, you can work with a reputable dealer and bring down the price of your new rig through negotiation or specification changes. If you’re buying a new truck, ask three of the best dealers to give you a complete breakdown of the truck price, including the list price for the chassis and every specification option, taxes, transportation and dealer costs. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.