[dpatterson]

When I was in, the rate discounts appeared to be tied to the extended warranty. Initial quoted rate was 3.9 but dropped to 2.9 with the 5 year extended warranty. Not sure if longer warranties give lower rates.

I don't think that would be the case for the incentives direct from Honda. That's basically the dealer giving you a discount on their cut of the interest rate because they're making it up on the warranty. If the end result is you get a good deal on the car and the warranty then everybody's happy but that's probably what's going on behind the scenes.