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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 mission is to help you make better financial decisions by providing you with financial calculators and interactive tools as well as publishing objective and unique content. This allows users to conduct research and compare information at no cost and help you make informed financial decisions. Bankrate has partnerships 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 could affect how and where products appear on this website, for example the order in which they may appear within the listing categories, except where prohibited by law for our mortgage or home equity products, as well as other home loan products. But this compensation 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 minutes read. Published on January 12, 2023.
The article was 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 such as U.S. News & World Report, USA Today, Yahoo! Finance and many more. Written 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 clear, well-researched information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate guarantee
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If you have questions about money. Bankrate has answers. Our experts have helped you understand your finances for more than four years. We continually strive 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 information is trustworthy and precise. Our award-winning editors and reporters create honest and accurate information to assist you in making the right financial decisions. The content we create by our editorial team is factual, objective and uninfluenced through our sponsors. We’re transparent about how we are capable of bringing high-quality content, competitive rates and helpful tools to our customers by revealing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and services or through you clicking certain links posted on our site. So, this compensation can affect the way, location and when products appear within listing categories, with the exception of those the law prohibits it for our mortgage, home equity and other home loan products. Other factors, like our own website rules and whether a product is available in your area or at your own personal credit score could also affect the way and place products are listed on this website. Although we try to offer an array of offers, Bankrate does not include details about every credit or financial product or service. When you buy a new vehicle, you are dealing with knowledgeable sales representatives who offer you additional items and other services. Although some of those options offered by dealers, upgrades and other extras may be worth the investment but it’s crucial to understand the worst dealer options before purchasing a car, so you can avoid these. The rustproofing process, VIN etching and extended warranties are just a few options that might not be worth the cost. What are the dealer options? Dealer options include accessories and equipment that can boost the value of the vehicle. There are three kinds of options you may come across: Factory-installed options are installed by the manufacturer prior to shipping the vehicle directly to the dealership. Port-installed options: Applied to vehicles imported from overseas when they arrive at the port of entry. Options installed by the dealer: Installed by the dealer once the vehicle is on the dealership’s lot. Options that are made available at the factory or port are approved by the manufacturer of the vehicle. They usually are included in the warranty for new vehicles. They’re listed on the official window sticker that’s required for new cars. Furthermore, the price is uniform, meaning they won’t vary between dealers. Contrary to this, dealer options aren’t approved by the manufacturer, so they aren’t covered in the warranty. They are not listed in the window stickers that are official, but they should be detailed on a different sticker that is attached to the vehicle. Also, because they’re installed at the expense of the dealer prices may vary depending on the location. Most dealer options are overpriced and utilized to increase profits on new vehicle sales. 6 worst dealer options that you should stay clear of are considering buying a car, you need to verify the sticker on your vehicle for the various options. Although you can’t typically bargain with port and factory installed options, there may be some flexibility for dealer-installed options. Here are the six worst dealer options to avoid when purchasing a car and the most effective alternative to look at. 1. Rustproofing Dealer-applied undercoating can cost as much as $600 or even $150, based on the car, the type of treatment plan — standard or premium, and whether it comes with an additional option like noise-reducing. It is available to buyers of new cars as a separate option from the dealer or included in a costly bundle known as»environmental protection package. «environmental protection package» which can also include paint sealant as well as fabric protection. «Cars that are leaving factories are all rustproofed to perfection,» says Mike Quincy Auto Content Specialist at the Consumer Reports Auto Test Center located in Colchester, Connecticut. «[Dealersare enticed to offer this service because of a fair amount of markup they can get for 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 number of dealers will also eagerly pitch you fabric protection, which is basically an aerosol spray they apply — the spray costs nearly nothing, but for which they may be able to charge up to $100,» Quincy says. The reason you shouldn’t
«If you’re in need of more protection for your fabrics, all you have to do is purchase a bottle of Scotchgard,» says John Nielsen who is the director of national automotive repair and purchasing at AAA.
3. Protection for paint This dealership option is frequently promoted by sales representatives in showrooms to offer new cars an all-year-round, non-wax shine, which provides a long-lasting barrier against the elements. Paint sealants that protect the paint can cost the new car buyer around $200. The reason why you shouldn’t do it
Most automotive paints today are durable finishes that benefit more from regular waxing and washing, according to Nielsen.
4. VIN etching VIN is a procedure that allows you to make an adhesive plastic stencil that includes the vehicle identification number of your vehicle, or VIN. You can then put the stencil on the glass and apply a special acid solution that chemically burns or etches, the number on the glass. VIN Etching can act as an deterrent to thieves as it makes it nearly impossible to earn a profit selling windshields and windows. It also makes it more difficult to find a way to dispose of a car when it’s stolen. It is actually recommended by agencies and police. Some insurers will even offer discounts on the extensive portion of your vehicle’s insurance or eliminate your insurance deductibles in the event that your vehicle is equipped with the feature. It’s a straightforward process, but VIN etching as a dealer option can cost the car buyer from $150 to $300. If you do the work yourself, you’ll save over $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 offered by dealers, the basic automobile warranties start at $1000 and quickly increase to several thousand dollars for high-performance and luxury vehicles. Extended warranties offer bumper-to-bumper protection and cover everything in your vehicle from major system repairsto problems with heating or air, and engine issues. Extended warranties, on the other hand don’t cover the components commonly replaced in Plan prices based on mileage, the term of coverage and deductible level prior to signing off. New cars typically have warranties from the manufacturer. If you’re buying used, you don’t need to purchase a warranty the moment you purchase the vehicleThis means that you are able to shop around for one to find one if you truly want one. Why you should skip it
It’s usually best to utilize the money you’d pay on a warranty extension to cover the recommended maintenance that your car needs.
6. Nitrogen in your tires regardless of the content of your tires with, whether oxygen or nitrogen the four wheels that propel your vehicle will eventually deflate. Tires can lose air due to a hole in the tread, a weak seal, or even just general wear and tear to the vehicle. However, many dealers will advise customers to include nitrogen in their tires, which could be as high as $200. Unless you are racing car driver who requires greater pressure consistency from you tires, this added cost is not worth it. If you truly want nitrogen, stopping by the local body shop could cost anywhere from $10 to $30 per tire. The reason why you shouldn’t
It is best to keep your cash and look for any damage to your tires that is likely to happen with the age of your vehicle.
What can you do to stay clear of dealer-installed options? The correct options on the vehicle you are driving can improve your driving experience. It can also be helpful when you’re ready to sell it or trade it into. You don’t need to accept the dealer-installed options you don’t would like. If you find that a vehicle you purchase comes with some dealer-installed options you may ask the dealer to remove them and adjust the sales price accordingly. In certain situations, it might not be feasible- for example, if rustproofing or paint protection has already been applied, it may not be removable. Make sure to get the car off the way you would normally do in case the dealer is unable or unwilling to get rid of the option. It’s not a guarantee that this will work but showing even a little initiative in negotiation can change the course of the conversation. Consider, for instance, making contact with a different dealer in the region to see what it might cost for specific options or perhaps see what it will cost you if you do it yourself. This will serve as a basis to use in negotiations. If the dealer won’t negotiate much, or is unwilling to negotiate entirely it is possible to pay for the car in its current condition or walk away. Factory options vs. dealer options Both factory options and dealer options are added expenses you’ll face when shopping. Unlike dealer options, factory choices aren’t «added on» at purchase. The manufacturer handles these extras in the factory before the vehicle arrives on the lot. Options available from the factory could include an alarm system, specific equipment, a spoiler or an sophisticated engine setup. These add-ons can increase the amount price you pay for, so you should consider what is essential and which you are able to skip. The bottom line Dealer-installed options can be costly and so assessing what you’re being charged for is vital. While dealers aren’t always willing to remove options they have installed or to negotiate the price, know that these options aren’t standard, and you don’t have to accept them. As with every other aspect of the buying process, and choices from several dealers in your region to ensure you are getting the most competitive price.
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Written by a contributing writer Ben Luthi is a personal writer of travel and finance who enjoys helping others understand how to live life more completely. His work has been published in several publications, including U.S. News & World Report, USA Today, Yahoo! Finance, and many numerous others. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping their readers to manage their finances with clear, well-researched information that breaks down complicated subjects into bite-sized pieces.
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