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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 choices by providing you with financial calculators and interactive tools, publishing original and objective content. We also allow you to conduct research and compare information at no cost to help you make informed financial decisions. Bankrate has partnerships with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site are from companies that compensate us. This compensation may impact how and when products are featured on the site, such as the order in which they be listed within the categories of listing in the event that they are not permitted by law for our mortgage, home equity and other products for home loans. This compensation, however, does not influence the information we publish, or the reviews you see on this site. We do not cover the entire universe of businesses or financial offerings that could be accessible to you. Maskot/Getty
5 min 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 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 editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances through providing concise, well-studied information that breaks down complex subjects into digestible pieces. The Bankrate promise
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At Bankrate we strive to help you make better financial decisions. We adhere to the highest standards of journalistic integrity ,
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You have money questions. Bankrate has the answers. Our experts have helped you understand your finances for more than four decades. We strive to continuously give our customers the right advice and the tools required to succeed throughout life's financial journey. Bankrate adheres to strict standards standard of conduct, so you can rest assured that our content is truthful and accurate. Our award-winning editors and reporters produce honest and reliable content that will help you make the right financial decisions. The content created by our editorial staff is factual, objective and is not influenced from our advertising. We're honest about the ways we're able to bring quality information, competitive rates and helpful tools to you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and services, or by you clicking on certain links posted on our website. So, this compensation can affect the way, location and in what order products appear within listing categories, unless it is prohibited by law for our mortgage or home equity products, as well as other home lending products. Other elements, such as our own proprietary website rules and whether a product is available in your area or at your personal credit score may also influence how and where products appear on this website. We strive to provide a wide range offers, Bankrate does not include specific information on each credit or financial product or service. When you buy a new car, you deal with sales experts who are experienced and able offer you additional items and other services. Although some of the choices, upgrades, and other extras may be worth it It's essential to be aware of the most detrimental dealer options when buying a car so you can avoid these. For instance, rustproofing VIN engraving and warranties with extended duration are just a few of the options that may not be worth the cost. What are the dealer options? Dealer options are options for accessories and equipment that to boost the value of the vehicle. There are three types of options you may encounter: Factory-installed options are installed by the manufacturer prior to the vehicle being shipped into the retailer. Port-installed choices: On vehicles that are imported from abroad when they arrive at the port of entry. Dealer-installed options: Installed by the dealer once the vehicle is on the lot of the dealership. Options that are made available at the factory and port are endorsed by the manufacturer of the vehicle. They are typically included in the new vehicle's warranty. They're listed in the window stickers that's required for new cars. Furthermore, the price is uniform, meaning they'll not differ between dealers. Contrary to this, dealer options aren't approved by manufacturer and, therefore, aren't covered in the warranty. They are not listed in the window stickers that are official but they should be detailed on a second sticker on the car. Also, because they're installed through the dealership, the prices may vary depending on the location. In general, many options offered by dealers are priced too high and used to increase profits on sales of new vehicles. 6 worst dealer options that you should stay clear of are considering buying a car, you need to check the vehicle's stickers for all options. Although you can't typically bargain with port and factory installed options, you might have some flexibility when you have options installed by a dealer. Here are the top six dealer options to try and avoid when buying a car -- and the smartest alternative to look at. 1. Rustproofing Undercoating applied by dealers can cost as much as $600 or as little as $150, based on the car, the type of treatment plan -- standard or premium, and whether it comes with an additional option, such as noise-reducing. It is available to prospective buyers of new cars as an option for dealers or be included in a costly bundle known as"environmental protection package. "environmental security package" that also can include paint sealant and fabric protection. "Cars coming out of the factory are all rustproofed to perfection," says Mike Quincy Auto Content Specialist at the Consumer Reports Auto Test Center in Colchester, Connecticut. "[Dealershave a reason to use this method because they can earn quite a bit of markup they can get on these services." Why you should skip it
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 intended to shield your seats from stains. "A lot of dealers will also eagerly pitch you fabric protection, which is essentially an oil that they put on a spray that costs them almost nothing, but for which they could then charge you $100 or more," Quincy says. The reason you shouldn't
"If you really need more protection for your fabrics, all you have to do is buy a bottle of Scotchgard," says John Nielsen who is the director of national automotive repair and purchasing at AAA.
3. Protecting paint this dealer choice is often advertised by showroom salespeople to offer new cars an all-year-round, non-wax shine, which provides an extended protection from the environment. Paint sealants that protect the paint can cost the prospective buyer around $200. It is a reason to avoid it.
Today, most automotive paints are tough and durable, and benefit much more from regular waxing and washing, according to Nielsen.
4. VIN etching VIN etching is the process that allows the creation of an adhesive plastic stencil that includes the vehicle identification number of your vehicle, or VIN. Then, you place the stencil on the window and apply a special acid solution that chemically burns, or etches the number onto the glass. VIN engraving can be a deterrent to thieves because it makes it difficult to earn a profit selling windshields and windows. It also makes it harder to find a way to dispose of the car once it has been stolen. In fact, it's a recommendation by police and agencies. Certain insurers may even offer a discount on the comprehensive portion of your car insurance, or even waive your insurance deductibles in the event that your car has the option. It's an easy process, however VIN engraving as a dealer option can cost the purchaser between $100 to $300. If you can do it yourself, you could cut off more than $100. Why you should skip this step
If you're looking to perform VIN etching, it's cheaper to use a do-it-yourself kit that costs between $20 to $40 online.
5. Extended warranties are a dealer option, basic automobile warranties start at $1,000 and easily climb to thousands of dollars for high-performance and luxury vehicles. Extended warranties cover bumper-to bumper damage that covers everything on your vehicle from major system repairsto heating or air problems, as well as engine issues. Extended warranties however don't cover the components that are typically replaced. Plan prices vary by mileage, duration of coverage and deductible level prior to signing off. New cars typically already have warranties from the manufacturer. Even if you're buying used, you don't need to buy the warranty on the day you buy the car -- this means that you have the option of shopping around for one if you're really interested in. Why you should skip it
It's often better to use the money you'd pay on a warranty extension to cover the maintenance your car needs.
6. In your tire, nitrogen regardless of the content of your tires with, oxygen or nitrogen the four wheels that push your vehicle will eventually be deflated. Tires may lose air due to a hole within the tread area, weak seal, or even just general vehicle wear and tear. But many dealers will encourage customers to apply nitrogen to their tires, which can be as high as $200. If you're not racing car drivers who require greater pressure consistency from your tires, the added expense isn't worth it. If you truly want nitrogen, stopping at an auto body shop in your area is going to cost you between $10 and $30 per tire. Why you should skip it
It is better to save your cash and look for any damage to your tires that will likely occur with the age of your vehicle.
How to avoid dealer-installed options The best options for a vehicle can enhance your driving experience and even when you're ready to sell it or trade it into. You don't need to accept the dealer-installed options you do not would like. If you find that a vehicle you purchase has some dealer-added options you may ask the dealer to eliminate them and adjust the sales price accordingly. In some instances, this may not be possible -- for example, when paint protection or rustproofing was already applied and is not easily removed. Make sure to get the car off like you normally would if the dealer is unable or unwilling to eliminate the alternative. There's no guarantee that this will be successful but showing even some initiative during negotiations could change the tone of the conversation. For instance, you could try calling another dealer in your area to get an idea of what it might charge for certain options or even see how much it could cost if you were to do it yourself. This could serve as a reference point in your negotiations. If a dealer isn't willing to negotiate significantly, or refuses to negotiate entirely, you can choose to purchase the car in its current condition or leave. Factory options vs. choices from dealers Both the factory options and dealer options are added expenses you'll face when shopping. Contrary to dealer options, factory options cannot be "added on" at the time of purchase. The manufacturer handles these extras in the factory before the car arrives on the lot. Options available from the factory could include an alarm system or a specific piece of equipment including a spoiler or sophisticated engine setup. Both add-ons will increase the you pay, so consider the ones that are necessary and those you're able to leave out. The bottom line is that dealer-installed options aren't always worth it, so checking what you're being charged for is crucial. Although dealers may not always be willing to eliminate options they've installed or even negotiate on the cost, be aware that these options aren't standard, and you don't have to agree with them. Similar to every other aspect of the car-buying process, and the options offered by several dealers in your region to ensure you are getting the best deal 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 loves helping people learn how to live their lives more fully. His writing has been featured in a variety of publications, including U.S. News & World Report, USA Today, Yahoo! Finance and other publications. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers to control their finances with clear, well-researched information that breaks down otherwise complicated subjects into bite-sized pieces.
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