Re:Bank auto loan, I know its better if you get your loan from them vs in house financing. My question is, if you were approved by the bank for the loan, how can you negotiate from the dealer the added charges w/c are Insurance, Lto and CM or this will be also handled by the bank? Not familiar bec. my last auto loan was done by in house financing; also haven't inquired yet from any bank(probably will do but i just want a heads up).

Thanks!