I contacted a few local shops and they want stupid money for just simple lettering. Just lettering the truck alone it would pay for the cutter. Then add in the few dumpsters, having my own machine makes sense I feel like.
Theres a few factors that play into this.
How many decals are you ordering? If you're buying one decal that's 6" x 40" and theyre using 30" Media... then they're charging you for 30" x 40", not 6" x 40"... etc. You have to use up all the material to get a good price.
The most expensive part in cut vinyl is the labor in weeding material... Ask them for a price on just cutting and you'll weed / premask it. They'll probably do it for a quarter of the price they originally quoted you if thats the route you go.
Are you comparing to the correct material? Most shops will quote you a cast vinyl since it's for a vehicle...I know we'd never quote or offer a cheap calandered vinyl. However if thats what you're looking up on uscutter... you can always ask for a calandered option. It's not the right material for a vehicle... but thats probably what you were going to buy anyways... So if you want a competitive quote, I'd ask for that.
You're likely being charged artwork time...even if it's simple lettering. Supply your own file. If it's a cut ready vector... they just load it and hit a button.
So in short... Ask them how much to cut some cheap, calandered vinyl, no weeding or pre-masking needed, with supplied artwork... Then see what their price is. Heck...you could even offer to supply the vinyl if you want it to go cheaper. Keep in mind it costs them the same amount in labor to cut 1 decal as it does to cut 20 decals... So the more you get cut in one go, the cheaper it's going to be.