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 interactive tools and financial calculators, publishing original and objective content. We also allow users to conduct research and compare information at no cost – so that you can make informed 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 deals that are displayed on this website are provided by companies who pay us. This compensation could affect how and when products are featured on this site, including, for example, the order in which they may be listed within the categories of listing and other categories, unless prohibited by law for our mortgage home equity, mortgage and other home loan products. This compensation, however, does not influence the content we publish or the reviews appear on this website. We do not cover the entire universe of businesses or financial offers that may be open to you. Maskot/Getty
5 min read Published January 12, 2023
Written by Ben Luthi Written by Contributing writer Ben Luthi is a personal travel and finance writer who loves helping people 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. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances with concise, well-studied information that breaks down complicated topics into bite-sized pieces. 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 Some dealers offer fabric protection that is intended to shield your seats from stains. “A majority dealers will also pitch you fabric protection, which is essentially a spray that they will put on — a spray that costs them almost nothing, but for which they may later charge you 100 or even more dollars,” Quincy says. Why you should skip it
“If you truly require additional fabric protection, all you have to do is purchase an ounce of Scotchgard,” says John Nielsen who is the director of national auto repair and buying at AAA.
3. Protecting paint this dealer option is frequently promoted by salespeople in the showroom as a product that offers new cars a year-round no-wax shine that provides an extremely long-lasting protection against the elements. The cost of protecting the paint sealant could cost the new car buyer well over $200. Why you should skip it
Today, most automotive paints are tough and durable, and benefit much more from regular washing and waxing, says Nielsen.
4. VIN etching an option that permits you to create an adhesive plastic stencil containing your car’s identification number or VIN. You can then put the stencil on a window and apply a special acid solution that chemically burns, or etches, the VIN on the glass. VIN etching can be an effective deterrent for thieves since it makes it difficult to earn a profit selling windshields and windows. It also makes it harder to figure out a method to dispose of a car after it’s been taken. In fact, it’s a recommendation by police and agencies. Some insurers will even offer a discount on the part that covers the comprehensive portion of your insurance or eliminate your insurance deductibles if your vehicle is equipped with the feature. It’s a straightforward process, but VIN etching as an option for dealers can cost the car buyer from $150 to $300. If you can do it yourself, you can cut off more than $100. Why you should skip the process
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 As an option for dealers, basic warranties automobile warranties start at just $1,000, and can easily go up to thousands of dollars for luxury and high-performance cars. Extended warranties offer bumper-to-bumper protection, covering everything on your vehicle, from major system repairsto problems with heating or air, and engine issues. Extended warranties, on the other hand are not able to cover parts that are typically replaced. Plan prices vary by mileage, duration of coverage, and the deductible amount prior to signing off. New vehicles typically have warranties from the manufacturer. If you’re buying second-hand, you do not have to get the warranty on the day you buy the car -This means that you have the option of shopping around if you really want one. Why you should skip it
It’s often better to use the money you would spend on an extended warranty for the recommended maintenance that your car requires.
6. The nitrogen in the tires No matter what your tires are filled with, nitrogen or oxygen the four wheels that push your vehicle along will inevitably deflate. Tires can lose air due to a hole within the tread area, a poor seal or just general wear and tear to the vehicle. Many dealers will urge buyers to add nitrogen to their tires, which could cost as much as $200. If you’re not racing car drivers who require greater pressure consistency from you tires, this added cost is not worth it. If you are really looking for nitrogen, stopping by the local body shop could cost anywhere from $10 to $30 per tire. The reason why you shouldn’t
It is better to save your cash and look out for any tire damage that will likely occur with the aging of your vehicle.
What can you do to stay clear of dealer-installed options? The correct options on an automobile can help improve your driving experience. It can also be helpful when you’re ready sell or trade it into. You don’t need to agree with the dealer-installed features you don’t prefer. If you discover that a new vehicle includes some options that are added by the dealer, you can ask the dealer to take them off and change the selling price of the vehicle according to the new price. In some instances, this might not be feasiblesuch as when paint protection or rustproofing is already in place, it may not be removable. Make sure to get the car off the way you would normally do in case the dealer can’t or won’t eliminate the option. It’s not a guarantee that this will work, but even showing an interest in negotiations could change the tone of the discussion. Consider, for instance, reaching out to a dealer in your area to see what they cost for specific options or even see how much it could cost if you were to do it yourself. This can give you a good base for your negotiations. If a dealer doesn’t budge at all, or doesn’t want to fully negotiate, you can choose to buy the car in its current condition or leave. Factory options as opposed to. choices from dealers Both factory and dealer options are additional costs you’ll encounter when car shopping. In contrast to dealer options options cannot be “added to” at purchase. The manufacturer handles these add-ons at the factory before the car is delivered to the dealership. Options available from the factory could include an alarm system or a specific piece of equipment such as a spoiler, or an advanced engine configuration. The two add-ons increase the amount you pay, so consider which are essential and which you’re able to leave out. The bottom line is that dealer-installed options aren’t always worth it, so checking the amount you’re being charged is vital. While dealers aren’t always willing to remove options they have installed or even negotiate on the cost, be aware that these options aren’t standard, and you don’t have to agree with them. Like every other part of the car-buying process, and choices from different dealers in your area to ensure that you’re 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 enjoys helping others understand how to live life more completely. 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 dedicated to helping their readers gain the confidence to control their finances through providing precise, well-researched and well-researched facts that break down otherwise complicated subjects into bite-sized pieces.
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