By Josh Hasting
When buying a car, dealers often try to upsell various sneaky add-ons that can significantly increase the final price. While some of these add-ons can be useful, many are overpriced and unnecessary. Dealers may make them sound essential, but it’s important to do your own research and decide if you really need them.
1. Paint Protection
Similar to fabric defense, this service promises to shield your paint job. Yet, regular washes and quality wax do wonders without the premium price tag. Also, many of these products are available off the shelf for a fraction of the dealership’s cost.
2. Fabric Protection
Spill your coffee? Your car’s upholstery can likely handle it. Modern materials are resilient. This add-on is just an expensive sprinkle of fairy dust. A quick internet search reveals a myriad of DIY solutions that are both cheaper and just as effective.
3. Key Replacement Insurance
Lost keys can be expensive, but this insurance often costs more than replacing the keys yourself. Better to keep a spare than pay for this. Also, technological advancements have made keys more durable and less prone to loss.
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4. Window Etching
A security feature, they say. It etches your VIN onto the glass. Sounds special but adds little to theft prevention. The great thing is insurance discounts for it are minimal. Some insurers don’t even recognize it as a deterrent.
5. Nitrogen in Tires
Air’s free and everywhere. Nitrogen? Not so much. It promises stable tire pressure, but the benefits are negligible for everyday drivers. Regular air checks achieve similar results without the ongoing costs.
6. Extended Warranties
Often, they are not the safety net they seem. A Consumer Reports study found most owners spent more on the warranty than they saved on repairs. Keep that cash for actual issues. Besides, many issues are covered under the manufacturer’s warranty, rendering the extended option redundant.
7. Rustproofing
Modern vehicles come with excellent corrosion protection. This service is a relic of the past, yet it persists in sales pitches. Trust in your vehicle’s built-in defenses and save the extra expense.
8. Undercoating
Like rustproofing, undercoating is marketed as a must-have. Yet, it’s often unnecessary, thanks to modern vehicle protections. Plus, improper application can trap moisture and accelerate rust formation.
9. Credit Insurance
This pays your car loan if you can’t pay it. It sounds helpful, but it overlaps with existing life and disability policies. Check your current coverage first. Often, a well-structured emergency fund provides more flexibility and peace of mind.
10. Gap Insurance
It is useful if you’re underwater on your loan, but it is often cheaper through your insurance company than the dealership. Plus, the need for it diminishes as you pay down your loan, making it a short-term necessity at best.
11. Dealer Preparation Fees
Supposedly covers vehicle prep. Reality? Most costs are already included in the sticker price. This fee is just gravy for the dealer. A detailed review of your invoice can often help you negotiate these fees away.
12. Documentation Fees
While some processing fees are inevitable, dealers sometimes inflate these costs. Know your state’s average and negotiate accordingly. Awareness of these norms can be a powerful bargaining chip.
13. Aftermarket Accessories
Floor mats, cargo organizers, you name it. Dealers mark these up significantly. Better to shop online or at auto parts stores. The selection is often more extensive and tailored to your needs elsewhere.
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This post was previously published on Invested Wallet.
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