6 dealer options to skip when buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by providing you with financial calculators and interactive tools as well as publishing objective and unique content. This allows you to conduct research and compare information at no cost - so that you can make sound financial decisions. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that compensate us. This compensation can affect the way and when products are featured on this website, for example, 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 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 include the universe of companies or financial offers that may be available to you. Maskot/Getty
5 min read Published 12 January 2023
Ben Luthi Ben Luthi Written by Contributing writer Ben Luthi is a personal finance and travel writer who is passionate about helping others discover how to live their lives more fully. His work has appeared in a variety of 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 manage their finances with precise, well-researched and well-informed information that breaks down complex topics into manageable bites. 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 will provide fabric protection, which is designed to protect your furniture from stains. "A majority dealers will also offer you fabric protection, which is essentially a spray that they will apply -- a spray that costs them nearly nothing, but for which they could then charge you $100 or more," Quincy says. What you can do to avoid it
"If you're in need of additional fabric protection the only thing you have to do is purchase one bottle of Scotchgard," says John Nielsen the national director of automotive repair and purchasing at AAA.
3. Paint protection This dealer choice is often advertised by salespeople in the showroom as a product that gives new cars a year-round non-wax shine, which provides an extremely long-lasting protection against the elements. The cost of protecting the paint sealant could cost the new car buyer around $200. Why you should skip it
Most automotive paints today are tough and durable, and benefit more from regular washing and waxing, as per Nielsen.
4. VIN etching the process that allows you to make an adhesive stencil made of plastic that contains your car's identification number, or VIN. You then place that stencil on the window and then apply a particular acid solution which chemically melts, or etches the number on the glass. VIN engraving can be a deterrent to thieves because it makes it nearly impossible to earn a profit selling windshields or windows. It also makes it more difficult to find a way to dispose of a vehicle once it has been stolen. In fact, it's recommended by police and agencies. Some insurers will even give a discount on the part that covers the comprehensive portion of your insurance or waive the deductibles for insurance if your vehicle is equipped with the feature. It's an easy process, however VIN marking as a dealer option can cost the purchaser between $150 to $300. If you can do the work yourself, you'll shave off over $100. The reason you shouldn't do it
If you'd like to try VIN etching, it's cheaper to use a do-it-yourself kit priced between $20 to $40 online.
5. Extended warranties are an option for dealers, basic warranties automobile warranties start at $1,000 and easily climb to thousands of dollars for luxury and high-performance automobiles. Extended warranties cover bumper-to bumper damage and cover everything in your vehicle from major system repairs, heating or air problems, as well as engine troubles. Extended warranties however are not able to cover parts typically replaced. Plan price varies based on mileage, the term of coverage and the deductible level prior to signing off. New cars typically already have warranties from the manufacturer. Even if you're buying new, you don't have to purchase a warranty the moment you purchase the vehiclewhich means you are able to shop around for one to find one if you truly want one. What are the reasons to skip it
It is usually better to spend the money you'd spend on an extended warranty to pay for the recommended maintenance that your car requires.
6. The nitrogen in the tires regardless of the type of tire yours are filled with, nitrogen or oxygen, the four wheels pushing your vehicle will eventually be deflated. Tires could lose air because of a crack within the tread area, a poor seal or just general wear and tear to the vehicle. Many dealers will urge customers to add nitrogen to their tires, which can be as high as $200. Unless you are racing car driver who requires an increased pressure on your tires, the additional cost isn't worth it. If you are really looking for nitrogen, stopping by a local body shop could cost anywhere from $10 to $30 for a tire. Why you should skip it
It is best to keep your cash and watch out for any tire damage that will likely occur with vehicle age.
How to avoid dealer-added options The correct options on a vehicle can enhance your driving experience, and can even be beneficial when you are ready to sell it or trade it in. However, you don't have to take the dealer-installed choices you do not want. If you find that a new vehicle includes some options that are added by the dealer 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 possible- for example, when paint protection or rustproofing has already been applied and is not easily removed. You can try to remove the vehicle like you normally would if the dealer is unable or unwilling to remove an option. Again, there's no guarantee that this will be successful however, even showing some initiative during negotiations could alter the direction of the discussion. Consider, for instance, calling another dealer in the region to get an idea of the price they would cost for specific options or see what it would cost if you did it yourself. This could serve as a reference point in your negotiations. If the dealer won't negotiate much, or is unwilling to fully negotiate, you can choose to purchase the vehicle as is or leave. Factory options are different from. dealer options Both the factory and dealer options are additional costs you'll encounter when car shopping. In contrast to dealer options choices aren't "added on" when you purchase. Manufacturers handle these options at the factory before the car is delivered to the dealership. Factory options could include alarm systems or a specific piece of equipment such as a spoiler, or an advanced engine configuration. Both add-ons will increase the price you pay for, so you should consider which are essential and which you are able to skip. Bottom line, dealer-installed features aren't always worth it and so assessing the amount you're being charged is important. Although dealers may not always be willing to take away the options they've installed or to negotiate the price, know that these options aren't standard and you aren't required to agree with them. Like every other part of buying a car, you should consider and the options offered by multiple dealers in your area to ensure that you're getting the best price available.
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Written by the writer who contributed to the article. Ben Luthi is a personal writer on travel and finance who is passionate about helping others learn how to live their lives more completely. His writing has been featured in numerous publications such as U.S. News & World Report, USA Today, Yahoo! Finance and other publications. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain the confidence to control their finances by providing clear, well-researched details that cut complicated topics into digestible pieces.
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