AFTER SIX MONTHS of hapless shopping for a new Chevrolet Suburban sport-utility vehicle, Phillip and Julia Maloney of Marietta, Georgia, were almost ready to give up. No matter how hard they haggled, they could never find a model with the features they wanted at a price they could afford. Then last January, Phillip, a postman and after-hours computer enthusiast, discovered a referral service called Auto-By-Tel on the Internet. He typed in what he was looking for at 11 one night and got a call from a dealer the next morning. "They talked price on the phone, and two days later, we...
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