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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 smarter financial decisions by offering you financial calculators and interactive tools, publishing original and objective content. We also allow you to conduct your own research and compare information for free and help you make sound 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 Earn Money The deals that are displayed on this website come from companies that pay us. This compensation may impact how and when products are featured on this website, for example the order in which they may appear within the listing categories in the event that they are not permitted by law for our mortgage home equity, mortgage and other home lending products. But this compensation does not influence the content we publish or the reviews that you see on this site. We do not consider the universe of companies or financial deals that might be available to you. Maskot/Getty
5 min read Read Published on January 12, 2023.
The article was written by Ben Luthi Written by Contributing writer Ben Luthi is a personal finance and travel writer who loves helping people discover how to live their lives more fully. His writing has been featured in numerous publications, including 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 late 2021. They are dedicated to helping readers gain confidence to control their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites. The Bankrate promises
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You have money questions. Bankrate has the answers. Our experts have helped you understand your money for over four decades. We continually strive to provide consumers with the expert advice and the tools required to be successful throughout their financial journey. Bankrate follows a strict policy, which means you can be confident that our content is honest and accurate. Our award-winning editors and journalists create honest and accurate content to help you make the right financial decisions. The content created by our editorial team is factual, objective and is not influenced through our sponsors. We're open about how we are capable of bringing high-quality information, competitive rates and helpful tools to you by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services, or through you clicking specific links on our website. This compensation could impact how, where and in what order 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 within your area or at your self-selected credit score range could also affect the way and place products are listed on this site. We strive to provide the most diverse selection of products, Bankrate does not include details about every financial or credit product or service. When you purchase a brand new vehicle, you will be dealing with experienced sales professionals who will sell you extra items and other services. While some of these choices, upgrades, and extras can be worth the cost, it's important to know the most detrimental dealer options when purchasing a vehicle so you can avoid them. Rustproofing, VIN engraving and warranties with extended duration are just a few of the options that might not be worth the cost. What are the dealer alternatives? Dealer options are accessories and equipment that can increase the sales price of the car. There are three kinds of options that you could come across: Factory-installed options: Installed at the factory prior to shipping the vehicle directly to the dealership. Port-installed options: Applied to vehicles that are imported from abroad when they are brought to the entry point. Dealer-installed options: Installed at the expense of the dealer when the vehicle is on the lot of the dealership. Options installed at the factory and at the port are approved by the manufacturer of the vehicle and are typically included in the warranty for new vehicles. They're listed in the window stickers that's mandatory for new vehicles. Additionally, the price is identical, which means they'll not differ between dealers. In contrast, dealer options aren't approved by manufacturer, and therefore aren't covered in the warranty. They're not included in the window stickers that are official however, they should be described on a second sticker on the car. Also, because they're installed through the dealership, prices may vary depending on the location. Most dealer options are expensive and utilized 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, you may have some wiggle room 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 upwards of $600 or as little as $150, depending on the model of the car and the treatment plan -- standard or premium -- and whether it includes an extra option, such as sound-deadening. It's available to buyers of new cars as an option for dealers or as part of a pricey bundle called"environmental protection package. "environmental Protection Package" which can also include paint sealant and fabric protection. "Cars coming out of the factory today have excellent rustproofing," says Mike Quincy the auto content specialist for the Consumer Reports Auto Test Center located in Colchester, Connecticut. "[Dealers] have an incentive to do it because there's quite a bit of markup they can earn on the services." The reason to avoid 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 guard your seats from stains. "A majority of dealers will also eagerly advertise fabric protection that is essentially a spray that they will put on a spray that costs them nearly nothing, but for which they might be able to charge $100 or more," Quincy says. What you can do to avoid it
"If you truly require more protection for your fabrics all you need to do is buy an ounce of Scotchgard," says John Nielsen, national director of repairs and purchasing for AAA.
3. Protection for paint This dealership option is frequently promoted by sales representatives in showrooms as a product that gives new cars an all-year-round, non-wax shine, which provides an extremely long-lasting protection against the elements. 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 long-lasting and durable, which benefit more from regular washing and waxing, says Nielsen.
4. VIN etching an option that permits you to create an adhesive plastic stencil that includes your car's vehicle identification number or VIN. You then place that stencil on a window and then apply a particular acid solution that chemically burns, or etches the number on the glass. VIN etching can be an deterrent to thieves as it makes it nearly impossible for them to profit from selling windows and windshields and makes it more difficult to locate a way to dispose of a car after it's been taken. In fact, it's recommended by agencies and police. Some insurers will even give a discount on the part that covers the comprehensive portion of your insurance or eliminate your insurance deductibles in the event that your vehicle has this option. It's a simple process but VIN etching as an option for dealers can cost the purchaser between 150 to 300 dollars. If you decide to do it yourself, you can cut off more than $100. What are the reasons to skip the process
If you're looking to perform VIN engraving, it's less expensive to purchase a DIY kit that costs between $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 and cover everything in your vehicle from major system repair, heating or air problems, as well as engine issues. Extended warranties, on the other hand are not able to cover parts commonly replaced in Plan prices vary by mileage, the term of coverage, and the deductible amount prior to signing off. New cars typically already have manufacturer warranties. Even if you're buying used, you don't need to purchase a warranty the moment you buy the car -- this means that you are able to shop around for one if you really want one. Why you should skip it
It is usually better to spend the money you'd spend on an extended warranty for the recommended maintenance that your car needs.
6. In your tire, nitrogen No no matter the type of tire yours are filled with, oxygen or nitrogen the four wheels that propel your vehicle along will inevitably decrease in size. Tires can lose air because of a crack within the tread area, a poor seal or just general wear and tear on the vehicle. However, many dealers will advise customers to add nitrogen to their tires, which can cost up to $200. If you're not a race car driver needing more consistent pressure from your tires, the 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 for a tire. The reason why you shouldn't
It is best to keep your cash and look out for any tire damage which is likely to occur as a result of the aging 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're ready to sell it or trade it in. However, you don't have to accept the dealer-installed options you do not want. If you discover that a new vehicle has some dealer-added options, you can ask the dealer to eliminate them and change the selling price of the vehicle accordingly. In some instances, this may not be possible -- for example, when paint protection or rustproofing has already been applied the option may not be removable. You can try to remove the vehicle as you would normally do if the dealer isn't able or unwilling to get rid of an option. There's no guarantee that this will work, but even showing some initiative during negotiations can change the course of the conversation. Consider, for instance, making contact with a different dealer in the area to get an idea of the price they would charge for certain options or see what it would cost if you did it yourself. This will give you a good base for your negotiations. If a dealer doesn't budge much, or is unwilling to bargain at all, you can choose to pay for the car in its current condition or take it off the market. Factory options are different from. dealers options factory options, as well as dealer options, are extra costs you'll encounter when car shopping. Unlike dealer options, factory choices aren't "added on" when you the time of purchase. Manufacturers handle these add-ons at the factory before the car arrives at the lot. Factory options could include alarm systems or a specific piece of equipment such as a spoiler, or an sophisticated engine setup. These add-ons can increase the amount price you pay for, so you should consider which are essential and which you can go without. Bottom line, dealer-installed features can be costly, so checking what you're being charged for is vital. While dealers aren't always willing to take away the options they've installed or to negotiate the price, know that these aren't the norm, and you don't have to accept them. Like every other part of the car-buying process, and the options offered by multiple dealers in your area 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 of travel and finance who loves helping people learn how to live their lives fully. His work has appeared in numerous 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 late 2021. They are committed to helping readers to control their finances with precise, well-researched and well-researched information that breaks down complex topics into manageable bites.
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