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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 smarter financial decisions by providing you with interactive tools and financial calculators that provide objective and original content. This allows you to conduct research and compare data 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 compensate us. This compensation may impact how and when products are featured on this website, for example the order 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 provide, or the reviews you read on this site. We do not include the universe of companies or financial deals that might be open to you. Maskot/Getty

5 min read 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 discover how to live their lives more fully. His writing has been featured 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 since late 2021. They are passionate about helping readers gain the confidence to manage their finances with precise, well-researched and well-informed facts that break down complex subjects into digestible pieces. The Bankrate guarantee

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We make sure that everything we publish is objective, accurate and reliable. The loans reporters and editors focus on the things that consumers are interested about the most — the different kinds of lending options and the most competitive rates, the most reliable lenders, how to pay off debt and many more — so you’re able to be confident about investing your money. Editorial integrity

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There are money-related questions. Bankrate has answers. Our experts have been helping you master your money for over four years. We continually strive to provide consumers with the expert advice and tools needed to be successful throughout their financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our information is trustworthy and precise. Our award-winning editors and reporters provide honest and trustworthy content to help you make the best financial decisions. The content created by our editorial team is accurate, truthful, and not influenced through our sponsors. We’re open about how we are capable of bringing high-quality information, competitive rates and useful tools for our customers by revealing how we make 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 when you click on certain hyperlinks on our site. So, this compensation can impact how, where and when products appear within listing categories, with the exception of those it is prohibited by law for our mortgage or home equity products, as well as other products for home loans. Other factors, like our own proprietary website rules and whether the product is available within the area you reside in or is within your self-selected credit score range could also affect how and where products appear on this site. Although we try to offer a wide range offers, Bankrate does not include specific information on every credit or financial product or service. When you buy a new car, you deal with experienced sales professionals who to sell you add-on goods and solutions. Although some of those dealer options, upgrades and additional features can be worth the cost but it’s crucial to understand the most detrimental dealer options before purchasing a car, to avoid these. For instance, rustproofing VIN Etching and Extended Warranty are just a handful of the options that may not be worth the cost. What are the dealer options? Dealer options are options for accessories and other equipment that increase the sales price of the car. There are three types of options that you can encounter: Factory-installed options: Installed at the factory before the vehicle is shipped to the dealer. Port-installed options: Applied to vehicles imported from overseas when they are brought to the entry point. Options installed by the dealer: Installed by the dealer once the vehicle has arrived at the lot of the dealership. Options that are installed in the factory and at the port are approved by the manufacturer of the vehicle. They usually are included in the new vehicle’s warranty. You’ll see them in the window stickers mandatory for new vehicles. Additionally, the price is uniform, so they won’t vary between dealers. In contrast, dealer options aren’t approved by the manufacturer and, therefore, aren’t included in the vehicle’s warranty. They’re not mentioned in the window stickers that are official however, they should be described on a different sticker that is attached to the vehicle. Because they’re put in at the expense of the dealer prices may vary depending on the location. In general, many dealer options are overpriced and utilized to increase the profits from new vehicle sales. Six dealer choices you should avoid If you are , it is important to check the vehicle’s stickers for all options. While it is not common to negotiate factory- and port-installed options, you might have some wiggle room for dealer-installed options. These are the six most unfavorable dealer options to try and avoid when buying a car — as well as the best alternatives to consider instead. 1. Rustproofing Undercoating applied by dealers can cost upwards of $600 or even $150, based on the car and the treatment plan — standard or premium, and whether it has an extra option like noise-reducing. It’s available to new car buyers as a separate option from the dealer or as part of the pricey package known as»environmental package. «environmental security package» that also can include paint sealant as well as fabric protection. «Cars coming out of the factory today have excellent rustproofing,» says Mike Quincy, auto content specialist in the Consumer Reports Auto Test Center in Colchester, Connecticut. «[Dealers] have an incentive to offer this service because of a fair amount of markup that they can make for the services.» Why you should 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 A few dealers provide fabric protection, which is designed to guard your seats from staining. «A number of dealers are also willing to pitch you fabric protection, which is basically an oil that they put on an item that costs nearly nothing, but for which they could then charge you 100 or even more dollars,» Quincy says. What you can do to avoid it

«If you’re in need of more protection for your fabrics the only thing you have to do is purchase an ounce of Scotchgard,» says John Nielsen, national director of automotive repair and purchasing at AAA.

3. Paint protection This dealer choice is frequently promoted by salespeople in the showroom as a product that offers new cars an all-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. It is a reason to avoid it.

Today, most automotive paints are long-lasting and durable, which benefit much more from regular washing and waxing, says Nielsen.

4. VIN etching the process that allows the creation of an adhesive plastic stencil that includes your car’s identification number, or VIN. You can then put the stencil on a window and then apply a specific acid solution that chemically burns or etches, the number onto the glass. VIN engraving can be an deterrent to thieves as it makes it virtually impossible for them to profit from selling windows and windshields and makes it more difficult to find a way to dispose of the car once it has been stolen. In fact, it’s a recommendation by police and agencies. Some insurers will even offer discounts on the part that covers the comprehensive portion of your insurance or waive your insurance deductibles in the event that your car has the feature. It’s a straightforward process, but VIN engraving as a dealer option can cost the buyer anywhere from 150 to 300 dollars. If you can do the work yourself, you’ll shave off over $100. What are the reasons to skip this step

If you’d like to do VIN etching, it’s cheaper to buy a kit that you can make yourself that costs between $20 to $40 online.

5. Extended warranties as a dealer option, basic automobile warranties start at $1,000 and easily climb to several thousand dollars for high-performance and luxury vehicles. Extended warranties provide bumper-to-bumper protection and cover everything in your car ranging from major system repairsto problems with heating or air, and engine issues. Extended warranties however are not able to cover parts commonly replaced in Plan price varies based on mileage, duration of coverage, and the deductible amount 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 when you buy the car -which means you are able to shop around for one to find one if you truly want one. What are the reasons to 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. The nitrogen in the tires no matter what your tires are filled with, oxygen or nitrogen, the four wheels pushing your vehicle will eventually deflate. Tires can lose air because of a crack within the tread area, weak seal, or even just general wear and tear to the vehicle. But many dealers will encourage customers to include nitrogen in their tires, which can be as high as $200. Unless you are racing car drivers who require greater pressure consistency from their tires, then the additional expense isn’t worth it. If you are really looking for nitrogen, a visit to a local body shop could cost anywhere from $10 to $30 for a tire. The reason why you shouldn’t

It is best to keep your money and keep an eye for any damage to your tires that will likely occur with the aging of your vehicle.

What can you do to stay clear of dealer-installed options? The best options for an automobile can help improve your driving experience. It can also be helpful when you’re ready to sell or trade it into. However, you don’t have to agree with the dealer-installed features you don’t want. If you notice that a brand new car comes with some dealer-installed options You can request the dealer to take them off and alter the cost of the vehicle in line with the changes. In some cases, it might not be feasiblesuch as in the event that paint protection or rustproofing was already applied and is not removable. Make sure to get the car off as you would normally do if the dealer is unable or unwilling to remove the option. There’s no guarantee that this will be successful, but even showing an interest in negotiations can change the course of the discussion. For example, consider calling another dealer in the region to get an idea of what it might charge for certain options or even see how much it could cost if you were to do it yourself. This could serve as a basis to use in negotiations. If the dealer won’t negotiate much, or is unwilling to fully negotiate, you can choose to purchase the vehicle as is or take it off the market. Factory options vs. choices from dealers Both the factory and dealer options are additional costs you’ll encounter when car shopping. Unlike dealer options, factory choices aren’t «added on» upon purchase. Manufacturers handle these options 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, a spoiler or an modern engine layout. The two add-ons increase the amount price you pay for, so you should consider which are essential and which you can go without. The bottom line Dealer-installed options can be costly and so assessing what you’re being charged for is vital. Although dealers aren’t always ready to eliminate options they’ve installed or to negotiate the price, know that these aren’t the norm and you aren’t required to accept them. Like every other part of the car-buying process, and the options offered by several dealers in your region to ensure you are getting the best deal available.

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Written by Contributing writer Ben Luthi is a personal writer on travel and finance who loves helping people learn how to live their lives fully. His work has appeared in a variety of publications that include 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 editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing precise, well-researched and well-researched information that breaks down otherwise complex topics into manageable bites.

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