6 dealer options to skip when buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by providing you with interactive financial calculators and tools as well as publishing objective and unique content, by enabling you to conduct your own research and compare information for free to help you make sound financial decisions. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website come from companies that compensate us. This compensation can affect the way and when products are featured on the site, such as, for example, the order in which they may be listed within the categories of listing and other categories, unless prohibited by law. Our mortgage home equity, mortgage and other home lending products. But this compensation does not influence the content we publish or the reviews that you see on this site. We do not cover the vast array of companies or financial offerings that could be available to you. Maskot/Getty
5 min read Read Published January 12, 2023
Written by Ben Luthi Written by Contributing writer Ben Luthi is a personal finance and travel writer who enjoys helping others learn how to live life more fully. His work has been published in numerous publications that include 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 passionate about helping readers gain the confidence to control their finances by providing clear, well-researched facts that break down complicated topics into bite-sized pieces. The Bankrate promises
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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 Some dealers provide fabric protection, which is designed to guard your seats from staining. “A number of dealers are also willing to pitch you fabric protection, which is basically a spray that they will put on an item that costs almost nothing, but for which they could then charge you 100 or even more dollars,” Quincy says. The reason you shouldn’t
“If you’re in need of additional fabric protection all you need to do is buy a bottle of Scotchgard,” says John Nielsen who is the director of national repairs and purchasing for AAA.
3. Protection for paint This dealership option is frequently promoted by salespeople in the showroom to offer new vehicles a year-round, no-wax shine which creates an extremely long-lasting protection against the environment. Paint sealants that protect the paint can cost the new car buyer well over $200. It is a reason to avoid it.
The majority of automotive paints are tough and durable, and benefit much more from regular washing and waxing, as per Nielsen.
4. VIN etching a procedure that allows the creation of an adhesive plastic stencil that includes your car’s vehicle identification number or VIN. Then, you place the stencil on a window and apply a special acid solution, which melts, or etches, the number on the glass. VIN etching can be a deterrent to thieves because it makes it virtually impossible for them to make a profit selling windshields or windows. It also makes it harder to locate a way to dispose of a vehicle after it’s been taken. In fact, it’s recommended by law enforcement agencies and police. Some insurers will even offer a discount on the comprehensive portion of your car insurance or waive the deductibles for insurance if your car has the option. It’s a simple process however VIN marking as a dealer option can cost the buyer anywhere from $150 to $300. If you can do it yourself, you could save over $100. The reason you shouldn’t do it
If you’re looking to perform VIN engraving, it’s less expensive to use a do-it-yourself kit priced between $20 to $40 online.
5. Extended warranties are an option offered by dealers, the basic for cars can start at $1000 and quickly increase to thousands of dollars for high-performance or luxury vehicles. Extended warranties offer bumper-to-bumper protection and cover everything in your vehicle, from major system repairsto heating or air problems, as well as engine issues. Extended warranties however are not able to cover parts commonly replaced in Plan price varies based on mileage, length of coverage, and the deductible amount before signing off New vehicles typically have manufacturer warranties. If you’re buying new, you don’t have to purchase a warranty when you buy the car -which means you can shop around for one if you’re really interested in. The reason you shouldn’t
It’s often better to use the money you’d spend on a warranty extension to cover the maintenance your car requires.
6. In your tire, nitrogen no matter what your tires are filled with, whether oxygen or nitrogen, the four wheels pushing your vehicle along will inevitably decrease in size. Tires can lose air due to a gap within the tread area, a weak seal, or even just general wear and tear to the vehicle. However, many dealers will advise buyers to include nitrogen in their tires, which can cost as much as $200. Unless you are racing car driver who requires greater pressure consistency from their tires, then the additional expense isn’t worth it. If you truly want nitrogen, a visit to the local body shop will you cost $10 to $30 for a tire. The reason why you shouldn’t
It is best to keep your cash and look for any damage to your tires that will likely occur with vehicle age.
What can you do to stay clear of dealer-installed options? The best options for a vehicle can enhance your driving experience, and can even be beneficial when you are ready to sell or trade it in. However, you don’t have to take the dealer-installed choices you don’t want. If you find that a brand new car has some dealer-added options You can request the dealer to take them off and adjust the sales cost of the vehicle in line with the changes. In some cases, it isn’t always possiblesuch as in the event that paint protection or rustproofing has already been applied and is not removed. You can try to remove the vehicle the way you would normally do in case the dealer isn’t able or unwilling to remove the option. It’s not a guarantee that this will be successful however, even showing a little initiative in negotiation could change the tone of the conversation. For instance, you could try reaching out to a dealer in the region to find out what they cost for specific services or even see how much it could cost if you were to do it yourself. This will give you a good base for your negotiations. If a dealer isn’t willing to negotiate much, or is unwilling to negotiate entirely it is possible to pay for the vehicle as is or walk away. Factory options vs. dealer options Both factory options, as well as dealer options, are extra charges you’ll have to pay when you go car shopping. In contrast to dealer options choices aren’t “added on” upon the time of purchase. The manufacturer handles these add-ons at the factory prior to when the vehicle is delivered to the dealership. Options available from the factory could include alarm systems, specific equipment including a spoiler or advanced engine configuration. These add-ons can increase the amount price you pay for, so you should consider the ones that are necessary and those you are able to skip. The bottom line is that dealer-installed options aren’t always worth the cost and so assessing the charges you’re charged is crucial. While dealers aren’t always willing to eliminate options they’ve installed or to negotiate the cost, be aware that these options aren’t standard and you shouldn’t be forced to accept them. Like every other part of buying a car, you should consider and choices from several dealers in your region to ensure that you get the best price available.
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Written by the writer who contributed to the article. Ben Luthi is a personal writer of travel and finance who is passionate about helping others learn how to live their lives more completely. His writing has been featured in a variety of publications such as U.S. News & World Report, USA Today, Yahoo! Finance, and many more. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping their readers feel confident to control their finances by providing clear, well-researched details that cut otherwise complex topics into manageable bites.
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