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 better financial choices by providing you with financial calculators and interactive tools as well as publishing objective and unique content, by enabling you to conduct your own research and compare information for free and 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 deals that are displayed on this website are provided by companies that pay us. This compensation may impact how and where products appear on this website, for example the sequence in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage home equity, mortgage and other home lending products. This compensation, however, does affect the content we publish or the reviews that you see on this site. We do not cover the entire universe of businesses 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 enjoys helping others learn how to live life more fully. His writing has been featured in a variety of publications, including U.S. News & World Report, USA Today, Yahoo! Finance and 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 confidence to control their finances with clear, well-researched information that breaks down otherwise complex subjects into digestible pieces. The Bankrate promises
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There are money-related questions. Bankrate has answers. Our experts have helped you understand your money for over four decades. We continually strive to give consumers the professional advice and the tools required to succeed throughout life’s financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our content is truthful and accurate. Our award-winning editors, reporters and editors produce honest and reliable content to help you make the best financial decisions. The content we create by our editorial staff is objective, factual and uninfluenced from our advertising. We’re open about the ways we’re capable of bringing high-quality content, competitive rates, and helpful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the promotion of sponsored goods and, services, or through you clicking certain links posted on our site. Therefore, this compensation may affect the way, location and in what order the products are listed within categories, unless the law prohibits it for our mortgage, home equity and other home lending products. Other elements, such as our own rules for our website and whether or not a product is available in the area you reside in or is within your self-selected credit score range can also impact the way and place products are listed on this site. While we strive to provide a wide range offers, Bankrate does not include information about every credit or financial product or service. When you buy a new vehicle, you will be dealing with sales experts who are experienced and able will sell you extra products and services. Although some of those choices, upgrades, and additional features can be worth it, it’s important to know the most undesirable options offered by dealers when purchasing a vehicle to be able to steer clear of them. For instance, rustproofing VIN Etching and Extended Warranty are just a few options that might not be worth your money. What are dealer options? Dealer options are options for accessories and equipment that can increase the sales price of the car. There are three kinds of options that you could encounter: Factory-installed options: Installed at the factory prior to the vehicle being shipped into the retailer. Port-installed choices: On vehicles imported from overseas as they are brought to the entry point. Dealer-installed options: Installed at the expense of the dealer once the vehicle is on the lot of the dealership. Options that are installed in the factory and at the port are approved by the vehicle’s manufacturer and are typically included in the new vehicle’s warranty. You’ll find them listed in the window stickers required for new cars. Furthermore, the price is identical, which means they won’t vary between dealers. In contrast, dealer options aren’t approved by manufacturer, and therefore aren’t included in the vehicle’s warranty. They are not listed on the official window sticker, however, they must be listed on a second sticker on the car. Because they’re put in by the dealer, costs may vary depending on where you go. Most options offered by dealers are priced too high and used to increase profits on sales of new vehicles. 6 worst dealer options to avoid if you are considering buying a car, you need to examine the car’s sticker for all options. While you typically can’t negotiate factory- and port-installed options, there may be some flexibility for dealer-installed options. These are the six most unfavorable dealer options to stay clear of when buying a vehicle — as well as the best alternative to look at. 1. Rustproofing The cost of applying an undercoat to a car can be up to 600 dollars or as low as $150, based on the model of the car and the kind of treatment package — basic or premium — and whether it has an extra option like sound-deadening. It’s available to new car buyers as a separate option from the dealer or included in a pricey bundle called”environmental protection package. “environmental security package” that can also include paint sealant as well as fabric protection. “Cars coming out of the factory today all have excellent rustproofing,” says Mike Quincy, auto content specialist at the Consumer Reports Auto Test Center located in Colchester, Connecticut. “[Dealersare enticed to use this method because they can earn an acceptable amount of markup that they can make on those services.” The reason to not do 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 fabric protection that is designed to guard your seats from staining. “A lot of dealers are also willing to offer you fabric protection, which is basically an aerosol spray they put on — an item that costs almost nothing, but for which they might then charge you up to $100,” Quincy says. What you can do to avoid it
“If you truly require additional fabric protection all you need to do is purchase one bottle of Scotchgard,” says John Nielsen who is the director of national repairs and purchasing for AAA.
3. Protection for paint This dealership choice is often promoted by showroom salespeople to offer new cars an all-year-round, no-wax shine which creates an extremely long-lasting protection against the environment. Paint sealants that protect the paint can cost the buyer of a new car more than $200. It is a reason to avoid it.
The majority of automotive paints are durable finishes that benefit more from regular washing and waxing, says Nielsen.
4. VIN etching VIN is a procedure that allows you to make an adhesive plastic stencil containing your car’s identification number or VIN. Then, you place the stencil on a window and then apply a particular acid solution, which burns, or etches the number on the glass. VIN Etching can act as an deterrent to thieves as it makes it difficult for them to make a profit selling windshields and windows. It also makes it difficult to figure out a method to dispose of a vehicle once it has been stolen. In fact, it’s a recommendation by police and agencies. Certain insurers may even offer discounts on the comprehensive portion of your car insurance, or even waive your insurance deductibles if your car has the feature. It’s a simple process however VIN engraving as an option for dealers can cost the buyer anywhere from $100 to $300. If you decide to do the work yourself, you’ll save over $100. What are the reasons to skip this step
If you’d like to do VIN engraving, it’s less expensive to purchase a DIY kit, which runs from $20 to $40 online.
5. Extended warranties are a dealer option, basic car warranties can begin at just $1,000, and can easily go up to several thousand dollars for luxury and high-performance automobiles. Extended warranties cover bumper-to bumper damage that covers everything on your vehicle, from major system repairs, heating or air issues and engine problems. Extended warranties however are not able to cover parts typically replaced. Plan prices vary by mileage, length of coverage and the deductible level prior to signing off. New vehicles typically already have manufacturer warranties. If you’re purchasing second-hand, you do not have to get the warranty the moment you purchase the vehicle- this means that you have the option of shopping around if you really want one. Why you should skip it
It’s usually best to utilize the money you’d pay on an extended warranty to pay for the recommended maintenance that your vehicle requires.
6. In your tire, nitrogen No matter what your tires are filled with, oxygen or nitrogen the four wheels that push your vehicle will eventually decrease in size. Tires can lose air due to a hole inside the tread or a poor seal or just general vehicle wear and tear. Many dealers will urge buyers to include nitrogen in their tires, which could be as high as $200. If you’re not racing car driver who requires an increased pressure on you tires, this additional cost is not worth it. If you truly want nitrogen, a visit to an auto body shop in your area could cost anywhere from $10 to $30 per tire. The reason why you shouldn’t
It is best to save your money and keep an eye out for any tire damage that will likely occur with the age of your vehicle.
How to avoid dealer-installed options The best options for an automobile can help improve your driving experience, and can even be beneficial when you’re ready to sell it or trade it in. You don’t need to accept the dealer-installed options you do not want. If you notice that a brand new car has some dealer-added options, you can ask the dealer to remove them and change the selling price of the vehicle in line with the changes. In certain situations, it may not be possible -such as in the event that paint protection or rustproofing is already in place and is not removed. Try to of the vehicle the way you would normally do in case the dealer can’t or won’t get rid of the option. It’s not a guarantee that this will work however, even showing an interest in negotiations can change the course of the discussion. For example, consider making contact with a different dealer in the region to find out what it might cost for specific options or perhaps see what it would cost if you did it yourself. This could give you a good basis to use in negotiations. If a dealer doesn’t budge at all, or doesn’t want to negotiate entirely You can decide to pay for the car as-is or walk away. Factory options as opposed to. dealer options Both the 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 to” when you purchase. Manufacturers handle these add-ons at the factory before the car is delivered to the dealership. The factory options may include an alarm system as well as specific equipment, a spoiler or an sophisticated engine setup. Both add-ons will increase the you pay, so consider which are essential and which you’re able to leave out. Bottom line, dealer-installed features aren’t always worth the cost So determining the charges you’re charged is crucial. While dealers aren’t always willing to eliminate options they’ve installed or even negotiate on the price, remember that these options aren’t standard and you shouldn’t be forced to accept them. Like every other part of the buying process, and options from multiple dealers in your area to ensure that you get the most competitive price.
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Written by a contributing writer Ben Luthi is a personal finance and travel writer who is passionate about helping others learn how to live life more completely. His work has been published in a variety of publications such as U.S. News & World Report, USA Today, Yahoo! Finance, and many other publications. 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 their readers to manage their finances with concise, well-studied facts that break down complex topics into manageable bites.
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