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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 goal is to help you make better financial decisions by offering you financial calculators and interactive tools that provide objective and original content. This allows users to conduct research and compare data for free – so that you can make financial decisions with confidence. 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 site are from companies that compensate us. This compensation can affect the way and where products appear on the site, such as the sequence in which they be listed within the categories of listing, except where prohibited by law. Our mortgage or home equity products, as well as other home lending products. But this compensation does have no impact on the information we publish, or the reviews that you read on this site. We do not consider the entire universe of businesses or financial offerings that could be open to you. Maskot/Getty

5 min read Published January 12, 2023

Ben Luthi Ben Luthi Written by Contributing writer Ben Luthi is a personal finance and travel writer who is passionate about helping others learn how to live life more fully. His work has been published in several 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 the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing concise, well-studied information that breaks down complicated topics into bite-sized pieces. The Bankrate promises

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They ensure that what we write is objective, accurate and trustworthy. Our loans journalists and editors concentrate on the points consumers care about most — the different kinds of lending options, the best rates, the top lenders, ways to pay off debt and many more — so you’re able to be confident about making your decision to invest your money. Editorial integrity

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You have money questions. Bankrate can help. Our experts have helped you understand your finances for more than four years. We are constantly striving to give our customers the right advice and tools needed to be successful throughout their financial journey. Bankrate adheres to a strict code of conduct policy, which means you can be confident that our content is truthful and accurate. Our award-winning editors and journalists produce honest and reliable information to assist you in making the best financial choices. The content we create by our editorial team is objective, factual and is not influenced from our advertising. We’re open regarding how we’re capable of bringing high-quality content, competitive rates and helpful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or through you clicking certain hyperlinks on our website. This compensation could affect the way, location and when the products are listed within categories, except where the law prohibits it for our mortgage or home equity products, as well as other products for home loans. Other elements, such as our own rules for our website and whether the product is available in the area you reside in or is within your personal credit score could also affect the way and place products are listed on this website. We strive to provide a wide range offers, Bankrate does not include specific information on every credit or financial item or product. When you purchase a brand new vehicle, you will be dealing with knowledgeable sales representatives who will sell you extra goods and solutions. Although some of the dealer options, upgrades and additional features can be worth the investment, it’s important to know the most detrimental dealer options before purchasing a car, to be able to steer clear of them. For instance, rustproofing VIN Etching and Extended Warranty are just a handful of the options that may not be worth your money. What are the dealer options? Dealer options include accessories and equipment that can raise the price of the car. There are three kinds of options that you could find: Factory-installed choices are installed by the manufacturer prior to the vehicle being shipped into the retailer. Port-installed options: Installed on vehicles imported from overseas when they are brought to the port of entry. Options installed by the dealer: Installed by the dealer after the vehicle reaches the lot of the dealership. Options that are installed in the factory or port are endorsed by the manufacturer of the vehicle and are typically included in the warranty for new vehicles. You’ll find them listed on the official sticker required for new cars. Additionally, the price is uniform, meaning they won’t vary between dealers. However, dealer-specific options aren’t approved by the manufacturer, so they aren’t covered in the warranty. They’re not included in the window stickers that are official but they should be detailed on a separate sticker attached to the car. Because they’re put in through the dealership, costs will vary based on where you go. Most dealer options are overpriced and used to increase profits on sales of new vehicles. 6 worst dealer options to avoid if you are , it is important to check the vehicle’s stickers for the various options. While it is not common to negotiate factory- and port-installed options, you may have some leeway for dealer-installed options. Here are the top six dealer options to avoid when purchasing a car — and the smartest alternatives to think about instead. 1. Rustproofing Dealer-applied undercoating can cost upwards of 600 dollars or as low as $150, depending on the car, the type of treatment package — either basic or premium, and whether it has an extra option like noise-reducing. It can be sold to buyers of new cars as an option for dealers or included in the pricey package known as an “environmental protection package” that can also include paint sealant and fabric protection. “Cars coming out of the factory are all rustproofed to perfection,” says Mike Quincy Auto Content Specialist in the Consumer Reports Auto Test Center located in Colchester, Connecticut. “[Dealers] have an incentive to offer this service because of quite a bit of markup they can earn for the services.” Why you should 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 Some dealers will offer protection for fabric, which is designed to protect your seats from stains. “A number of dealers will also eagerly advertise fabric protection which is essentially a spray that they will apply — a spray that costs them practically nothing, but which they may later charge you up to $100,” Quincy says. Why you should skip it

“If you really need more protection for your fabrics the only thing you have to do is buy a bottle of Scotchgard,” says John Nielsen who is the director of national auto repair and buying at AAA.

3. Protecting paint this dealer option is often promoted by showroom salespeople as a product that gives new vehicles a year-round, no-wax shine that provides an extended protection from the elements. 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 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 plastic stencil containing the vehicle identification number of your vehicle or VIN. You can then put the stencil on the glass and then apply a specific acid solution, which burns, or etches, the number onto the glass. VIN Etching can act as an deterrent to thieves as it makes it nearly impossible to earn a profit selling windshields or windows. It also makes it more difficult to locate a way to dispose of a car when it’s stolen. In fact, it’s recommended by police and agencies. Certain insurers may even offer discounts on the part that covers the comprehensive portion of your insurance, or even waive your insurance deductibles in the event that your car has the feature. It’s an easy process, however VIN engraving as an option for dealers can cost the purchaser between $100 to $300. If you decide to do it yourself, you can cut off more than $100. What are the reasons to skip the process

If you’d like to try VIN etching, it’s cheaper to purchase a DIY kit that costs between $20 to $40 online.

5. Extended warranties as an option for dealers, basic warranties automobile warranties start at $1,000 and easily climb to thousands of dollars for high-performance and luxury cars. Extended warranties cover bumper-to bumper damage, covering everything on your vehicle from major system repair, problems with heating or air, and engine issues. Extended warranties however don’t cover the components typically replaced. Plan price varies based on mileage, duration of coverage, and the deductible amount before signing off New vehicles typically already come with manufacturer warranties. If you’re purchasing used, you don’t need to get the warranty when you purchase the vehicle- this means that you are able to shop around for one to find one if you truly want one. Why you should skip it

It is usually better to spend the money you would spend on an extended warranty for the maintenance your car needs.

6. In your tire, nitrogen no matter the content of your tires with, oxygen or nitrogen the four wheels that propel your vehicle will eventually decrease in size. Tires can lose air due to a hole inside the tread or a lack of seal, or simply wear and tear to the vehicle. Many dealers will urge customers to include nitrogen in their tires. This can cost as much as $200. Unless you are racing car drivers who require more consistent pressure from their tires, then the added cost isn’t worth it. If you are really looking for nitrogen, stopping by the local body shop is going to cost you between $10 and $30 per tire. Why you should skip it

It is best to keep your money and keep an eye for any damage to your tires which is likely to occur as a result of the age of your vehicle.

How to avoid dealer-installed options The correct options on a vehicle can enhance your driving experience. It can also be helpful when you are ready to sell or trade it into. However, you don’t have to agree with the dealer-installed features you don’t prefer. If you discover that a brand new car includes some options that are added by the dealer You can request the dealer to eliminate them and adjust the sales price of the vehicle according to the new price. In some cases, it isn’t always possiblefor instance, if rustproofing or paint protection was already applied, it may not be removable. Make sure to get the car off like you normally would if the dealer can’t or won’t eliminate the alternative. There’s no guarantee that this will be successful however, even showing an interest in negotiations could alter the direction of the discussion. Consider, for instance, making contact with a different dealer in the region to find out what it might cost for specific options or see what it could cost if you were to do it yourself. This will give you a good reference point in your negotiations. If a dealer isn’t willing to negotiate at all, or doesn’t want to fully negotiate it is possible to buy the car in its current condition or take it off the market. Factory options vs. dealer options Both the factory options, as well as dealer options, are extra charges you’ll have to pay when you go car shopping. Unlike dealer options, factory options aren’t “added on” upon purchase. The manufacturer handles these add-ons at the factory before the vehicle arrives at the lot. Factory options could include alarm systems or a specific piece of equipment, a spoiler or an advanced engine configuration. The two add-ons increase the amount you pay, so consider the ones that are necessary and those you are able to skip. The bottom line is that dealer-installed options can be costly So determining what you’re being charged for is important. Although dealers aren’t always ready to remove options they have installed or to negotiate the cost, be aware that these aren’t the norm, and you don’t have to accept them. As with every other aspect of the car-buying process, and options from multiple dealers in your area to ensure that you get the best deal available.

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Written by a contributing writer Ben Luthi is a personal writer of travel and finance who is passionate about helping others learn how to live life more fully. His work has been published in a variety of publications that include U.S. News & World Report, USA Today, Yahoo! Finance, and many more. 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 gain the confidence to take control of their finances through providing concise, well-studied details that cut otherwise complicated subjects into bite-sized pieces.

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