So why would I want to pay someone to negotiate my car instead of putting that money towards the down payment?

Well, I am glad I did. I financed my car and ICB negotiated a price $6,500 better than the price I was able to find at various dealerships. Plus, the car arrived two months sooner than any other dealer could get the 2012 model. Need more? ICB negotiated the over mileage bill from my previous lease from $7000 down to $4800. A great experience overall.