6 dealer options to skip when buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with financial calculators and interactive tools that provide objective and original content. We also allow users to conduct research and compare information for free to help you make informed financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website come from companies that compensate us. This compensation may impact how and when products are featured on this site, including, for example, the order in which they appear within the listing categories in the event that they are not permitted by law for our mortgage home equity, mortgage and other home lending products. However, this compensation will not influence the information we provide, or the reviews you read on this site. We do not consider the universe of companies or financial offers that may be available to you. Maskot/Getty
5 minutes read. Published on January 12, 2023.
Ben Luthi Ben Luthi Written by Contributing writer Ben Luthi is a personal travel and finance writer who is passionate about helping others understand how to live life more fully. His writing has been featured in a variety of publications such as U.S. News & World Report, USA Today, Yahoo! Finance, and many more. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to take control of their finances with concise, well-studied facts that break down complex topics into manageable bites. The Bankrate promise
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All new cars already come with rustproofing, and some automakers will void the factory corrosion-perforation warranty if the car is undercoated by a third party.
2. Fabric protection A few dealers offer protection for fabric, which is designed to guard your seats from staining. “A majority of dealers are also willing to pitch you fabric protection, which is basically a spray that they will apply — an item that costs practically nothing, but which they may then charge you $100 or more,” Quincy says. Why you should skip it
“If you really need more protection for your fabrics, all you have to do is buy one bottle of Scotchgard,” says John Nielsen who is the director of national repairs and purchasing for AAA.
3. Paint protection This dealer option is often promoted by showroom salespeople as a product that gives new cars a year-round non-wax shine, which provides an extremely long-lasting protection against the environment. Protective paint sealant can cost the new car buyer more than $200. It is a reason to avoid it.
Most automotive paints today are durable finishes that are much better off with regular washing and waxing, as per Nielsen.
4. VIN etching VIN is the process that allows you to create an adhesive stencil made of plastic that contains your car’s identification number or VIN. You then place that stencil on a window and then apply a specific acid solution, which burns or etches, the number onto the glass. VIN etching can be an effective deterrent for thieves since it makes it difficult for them to make a profit selling windshields and windows. It also makes it more difficult to figure out a method to dispose of the car once it has been stolen. It is actually recommended by police and agencies. Some insurance companies will offer discounts on the part that covers the comprehensive portion of your insurance or waive your insurance deductibles in the event that your vehicle is equipped with the feature. It’s a simple process but VIN marking as an option for dealers can cost the buyer anywhere from 150 to 300 dollars. If you can do the work yourself, you’ll cut off more than $100. What are the reasons to skip the process
If you’d like to try VIN Etching, it’s more affordable to purchase a DIY kit priced between $20 to $40 online.
5. Extended warranties As an option for dealers, basic warranties for cars can start at $1,000 and easily climb to thousands of dollars for high-performance and luxury vehicles. Extended warranties provide bumper-to-bumper protection and cover everything in your car ranging from major system repairs, heating or air problems, as well as engine issues. Extended warranties however are not able to cover parts commonly replaced in Plan prices vary by mileage, length of coverage and the deductible level prior to signing off. New cars typically already have manufacturer warranties. If you’re purchasing new, you don’t have to get the warranty the moment you purchase the vehicle- this means that you are able to shop around for one for one if you’re really interested in. The reason you shouldn’t
It’s often better to use the money you would spend on a warranty extension to cover the recommended maintenance that your car needs.
6. In your tire, nitrogen No matter the type of tire yours are filled with, whether oxygen or nitrogen, the four wheels pushing your vehicle along will inevitably deflate. Tires could lose air due to a gap inside the tread or a lack of seal, or simply wear and tear to the vehicle. But many dealers will encourage buyers to include nitrogen in their tires, which can cost as much as $200. If you’re not a race car driver needing greater pressure consistency from you tires, this added expense isn’t worth it. If you truly want nitrogen, stopping by the local body shop could cost anywhere from $10 to $30 per tire. Why you should skip it
It is best to save your money and keep an eye for any tire damage that will likely occur with vehicle age.
How to avoid dealer-installed options The right options on the vehicle you are driving can improve your driving experience and even when you’re ready sell it or trade it in. But you don’t have to accept the dealer-installed options you do not would like. If you discover that a vehicle you purchase includes some options that are added by the dealer, you can ask the dealer to remove them and adjust the sales cost of the vehicle in line with the changes. In certain situations, it might not be feasiblefor instance, if rustproofing or paint protection has already been applied and is not removed. You can try to remove the vehicle like you normally would if the dealer is unable or unwilling to get rid of the option. There’s no guarantee that this will be successful, but even showing some initiative during negotiations could change the tone of the conversation. For instance, you could try reaching out to a dealer in the region to see the price they would charge for certain options or perhaps see what it will cost you if you do it yourself. This will serve as a base for your negotiations. If the dealer won’t negotiate significantly, or refuses to fully negotiate You can decide to purchase the vehicle as is or take it off the market. Factory options are different from. dealer options Both factory options and dealer options are added charges you’ll have to pay when you go car shopping. Unlike dealer options, factory options cannot be “added to” when you purchase. Manufacturers handle these options at the factory before the vehicle arrives at the lot. Factory options could include an alarm system, specific equipment such as a spoiler, or an modern engine layout. Both add-ons will increase the cost you pay, so think about what is essential and which you’re able to leave out. The bottom line Dealer-installed options can be costly So determining the amount you’re being charged is important. While dealers aren’t always willing to remove options they have installed or negotiate on the cost, be aware that these aren’t the norm and you shouldn’t be forced to agree with them. As with every other aspect of buying a car, you should consider and the options offered by several dealers in your region to ensure that you’re getting the most competitive price.
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Written by the writer who contributed to the article. Ben Luthi is a personal writer of travel and finance who loves helping people learn how to live life more completely. His work has appeared in a variety of publications such as U.S. News & World Report, USA Today, Yahoo! Finance and other publications. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping their readers feel confident to take control of their finances through providing clear, well-researched facts that break down complicated topics into digestible pieces.
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