MOST OF THE NEGOTIATION REGARDING THE CUSTOMER OPTION PLAN WILL INVOLVE PAYMENTS.  THERE ARE MANY WAYS TO GIVE CUSTOMERS PAYMENT RELIEF AND STILL ALLOW THEM TO HAVE PROTECTION:

I can appreciate that.  I know I am on a budget as well.  So what you are saying is you'd love to have the preferred plan you just need to be closer to this payment correct.

One way to do that would be to put a little more down. How close
to $1500 could you come.

I could adjust the service contract term, mileage or deductible
to offer some payment relief

Adjust credit insurance from joint to single

Extend term of loan

(CASH DOWN IS FIRST SOLUTION)