Whether you buy a new car or a used one, the dealer might try to load you down with add-ons and accessories of every sort — and they’re likely to tell you that it will only add a few dollars to the monthly payment if you fold it into the cost of the loan. In truth, add-ons can quickly tack hundreds or thousands of dollars extra onto the sticker price. Some might be dealer add-ons that they try to slip past you. Others they’ll try to sell you outright. Before you buy, know which car ad-ons you want to avoid buying at the dealership.
Don’t Fall For Credit Insurance Schemes
Amidst the array of products car dealerships may attempt to persuade you into buying, credit insurance takes center stage, offered in various forms such as credit life insurance, credit disability insurance, involuntary unemployment insurance, and credit property insurance. These insurances share a common goal: to cover your car payments in case of job loss, disability, or death. However, the merits of credit insurance are few and far between, while the reasons to avoid it abound.
If you believe it is necessary, you will almost always secure better terms by purchasing insurance through your insurance company without incurring the inflated dealer markup. Furthermore, it’s important to note that dealers are prohibited by law from requiring the purchase of this optional coverage as a condition for selling you a car or approving a loan. Protect your financial well-being by staying informed, making prudent choices, and avoiding unnecessary expenses disguised as credit insurance.
Navigate Gap Insurance With Caution
Guaranteed Asset Protection (GAP) insurance stands out as a relatively less dubious offering among the array of products car dealerships may attempt to sell you. When you finance a car, which is totaled shortly after that, your insurance company compensates you for its value, often lower than the remaining loan amount due to depreciation. GAP coverage bridges that gap, ensuring you have a manageable loan balance.
While there are cases where buying GAP insurance makes sense, it is advisable to purchase it directly from your insurance company. Dealership-sold GAP insurance is likely to be pricier. Once again, you’ll find yourself dealing with a foreign company if you ever need to make a claim. Protect your finances wisely by exercising caution, and when it comes to GAP insurance, choose the option that offers affordability and familiarity by opting for your insurance company’s coverage.
Sidestep The Car Alarm And Tracker Trap
While some cars already have security systems or trackers, car dealerships often attempt to upsell add-on alarms and trackers. Interestingly, in many cases, the reason behind this upsell is that the dealership installs alarms to safeguard the vehicles on their lot, meaning it’s already installed in the car you’re purchasing. Rather than uninstalling it and allowing you to drive off without extra charges, they seize the opportunity to sell you cheap alarms and trackers at a marked-up price, all while charging you for installation. However, you can undoubtedly find better options by purchasing a system independently and paying a significantly lower installation fee to your trusted local mechanic. Protect your wallet by avoiding unnecessary expenses and opting for a more cost-effective approach to securing your vehicle.
Don’t Get Caught In The Nitrogen Trap: Deflate The Hype
Among the trending add-ons, car dealerships often pitch nitrogen-filled tires, claiming superior performance due to reduced temperature-based pressure fluctuations and slower leakage compared to regular air. However, according to Edmunds’ research, the real-world impact of nitrogen-filled tires is negligible, making it an unnecessary expense. The service can cost around $100, while regular air is readily available for free or at minimal cost when you find yourself in need at a gas station. Avoid getting caught in the nitrogen trap, and save your hard-earned money by deflating the inflated claims surrounding this overpriced service.
Crack The Code Of Door Edge Protectors
Refrain from letting car dealerships take a chunk out of your wallet with their inflated prices for c. While they may claim to shield your vehicle’s vulnerable door edges from chips and scratches, modern paint technology is already equipped to resist such damage. Opt for a cost-effective solution instead of shelling out $169 for this simple add-on. You can easily find DIY door edge protector kits on platforms like Amazon for less than $10. You can enjoy peace of mind and protection without succumbing to the dealer’s inflated prices and needing tools or professional assistance. Safeguard your savings and crack the code of door edge protection without breaking the bank.
See Through The Dealer’s Scheme With Window Tints And Clear Protection
If you’re considering window tints or clear UV protection for your vehicle, don’t fall for the dealer’s add-on pitch. More often than not, dealerships outsource the work to the lowest bidder, reaping the savings while leaving you with a hefty price tag. Instead, take matters into your own hands and explore local service companies with online reviews. By conducting your own research, you’ll likely discover more affordable options provided by reputable companies. Don’t let the dealer obscure your vision of savings – unmask their scheme and make a choice that benefits both your budget and peace of mind.
Debunking Extended Warranty Deception
Regarding extended warranties, car dealerships may try to convince you of their value. Still, it is often wiser to channel that money into an interest-bearing savings account dedicated to repairs. Extended warranties aim to prolong coverage beyond the expiration of your bumper-to-bumper warranty, typically lasting three years or 36,000 miles. However, the truth is that a significant portion of the cost is allocated to the salesperson’s commission. Most people only utilize them sometimes, often exceeding the average repair price. Instead of falling for the extended warranty trap, safeguard your finances by making informed decisions and creating a repair fund that better serves your needs.
Unraveling The Fabric Protection Fallacy
Fabric and upholstery protection is another product car dealerships may attempt to persuade you to buy. Still, the truth is that the manufacturer already applied the same service and factored it into the car’s price. Surprisingly, this additional service can cost $195 or even more. Suppose you genuinely believe extra protection is necessary due to factors like having pets or young children. In that case, there’s no need to break the bank. Invest a few dollars in a bottle of spray-on Scotchgard, which essentially replicates what the dealer is offering. Save your hard-earned money by unraveling the fabric protection fallacy and opting for a more budget-friendly alternative that yields similar results.
Avoid The Tire Protection Trap
Regarding extended tire warranties, car dealerships often hold the upper hand, leaving customers disadvantaged. The truth is that nearly all tires already come with prorated warranties that adequately cover any rare craftsmanship defects. Dealerships may attempt to sell you an additional warranty, favorable coverage for scenarios not included in standard warranties, all for around $10 per tire. However, it’s important to note that certain tires already offer more comprehensive warranties. Even without such coverage, the cost of a regular new tire isn’t significantly high when you consider the unnecessary $40 you would save by skipping unnecessary protection. Protect your savings by removing unnecessary expenses and making informed decisions regarding tire protection.
Color-changing Valve Stem Covers: A Gimmick Or Genuine Tire Care?
Prepare to be dazzled by color-changing valve stem covers enticingly offered by some dealerships. These seemingly magical accessories claim to change hues when your tires require air, priced anywhere from $40 to $100 for a set of four. However, before succumbing to the allure, consider this: modern cars typically feature built-in low-tire-pressure indicators on the dashboard, rendering these fancy valve stems redundant. Even if your vehicle lacks this feature, a trusty pressure gauge and your own eyes will provide the same tire care benefits without the inflated price tag. Don’t let the illusion of innovation blind you from practical solutions!
Skip The Paint Sealant Mirage
Car dealerships may try to entice you with paint sealants, promising added protection for your vehicle’s exterior. However, it’s important to note that modern cars are already equipped with factory paint jobs incorporating built-in sealants and anti-rust properties designed to withstand various environmental elements. The cost of paint sealants can amount to several hundred dollars, making it an unnecessary expense in most cases. By simply adhering to regular car washes and proper maintenance, your vehicle’s paint can endure throughout its lifespan in almost any condition. Protect your finances by sidestepping the paint sealant allure and focusing on practical maintenance practices that ensure long-lasting paint without breaking the bank.
Don’t Fall For Windshield Protection Schemes
Car dealerships often partner with companies like the ACE Group to offer windshield insurance coverage to customers, with a clear objective to maximize their profits. While it’s true that windshields can occasionally break and replacement costs can be high, the reality is that modern resins are highly effective in repairing common cracks, and total windshield replacements are seldom necessary. Suppose you have genuine concerns about potential damage. In that case, it’s wiser to allocate funds for possible repairs rather than handing over your hard-earned money to the dealer for an add-on service you will likely never need. Protect your finances by staying savvy and avoiding unnecessary expenses, focusing instead on practical budgeting for unforeseen windshield mishaps if they do occur.
Trunk Trays: A Prudent Addition Or Dealer Markup Madness?
Trunk trays, designed to safeguard your trunk or cargo area from spills and damage, can be a wise investment. However, be cautious when dealerships attempt to sell them at exorbitant prices. While these formfitting rubberized cargo liners with raised cargo blocks are practical, paying $700 or more for one from a dealer is highway robbery. Instead, consider purchasing a similar trunk tray for around $200 from reputable online retailers or local auto parts stores, saving yourself from unnecessary dealer markups. Protect your cargo without emptying your wallet!
Mudflaps: Flimsy Shields Or Unnecessary Burdens?
Regarding mudflaps, car dealerships may convince you of their necessity by highlighting potential paint and undercarriage damage. However, the truth is that for most passenger cars, mudflaps are more of a hassle than a protective measure. They tend to accumulate sand and salt, contributing to corrosion instead of preventing it. While larger trucks may benefit from mudflaps, it’s crucial to check your state’s regulations regarding their requirement for SUVs or standard trucks. If you still desire these accessories, you’ll likely find them at a significantly lower price elsewhere, avoiding the dealership’s inflated costs.
Enhancing The Illusion: The Truth About Appearance Packages
Beware of the alluring charm of “appearance packages” offered by car dealerships, as they often come with a hefty price tag and questionable value. These packages, which may include pinstriping or other graphic designs, are frequently added by dealers and disguised as standard features to inflate prices. Don’t be deceived by their flashy presentation. Edmunds has observed appearance packages sold for as high as $279, while Jaloplink has reported staggering prices of up to $2,000. Before succumbing to the allure, consider whether these costly add-ons enhance your driving experience or drain your wallet.
Safeguard Your Sanity And Finances Against Key Protection Schemes
In this age of advanced car key technology, the fear of losing your keys has transformed from a mere inconvenience to a substantial financial burden. With the rise of remote entry and start devices, laser cutting, and high-end fobs, replacing sophisticated vital systems, especially on luxury vehicles, can set you back hundreds of dollars, with little to no coverage from your car insurance. Car dealerships know this predicament and may try to entice you with critical protection plans and separate insurance policies for your keys. However, these plans often come with steep price tags, easily surpassing $100, and are unnecessary for such unlikely events. Instead, consider allocating that money into a savings account, a prudent step for budgeting unforeseen mishaps like losing your keys. Protect your sanity and finances by avoiding unnecessary expenses and taking proactive measures to handle unexpected situations.
Avoid The Dent Protection Deception
In car dealerships, dent and ding coverage offered by lesser-known and sometimes questionable third-party companies joins the ranks of the windshield and essential protection as another upsell tactic. These companies sell the plans to dealers for a price range of $300 to $500. The dealers, in turn, sell them to unsuspecting buyers for anywhere between $600 and $1,500, generating pure profit without any additional effort. The dealer assumes no further responsibility and does not assist with claims processing.
Instead, you are left with an 800 number to call and navigate dealings with a company you’ve likely never heard of before. Furthermore, you will likely have limited or no say in choosing who repairs your car, and you will inevitably discover numerous exclusions and limitations that significantly reduce the coverage offered. Protect your financial well-being by staying informed and avoiding unnecessary expenses, steering clear of dubious dent protection schemes.
Step Up The Mat Game: Debunking Upgraded Floor Mats
Beware of the dealer’s pitch for “heavy-duty” or “all-weather” mats as an upgrade. While essential floor mats typically come standard with your vehicle, upgrading to a more rugged version can come with a hefty price tag. Custom, laser-measured mats from high-end brands like WeatherTech may cost you hundreds of dollars extra. However, you’re simply in need of generic heavy-duty mats. In that case, you can easily find affordable options online for a fraction of the dealer’s price. Avoid falling into the trap of overspending on upgraded floor mats when more budget-friendly alternatives are just a few clicks away.
Unleash Your Adventurous Spirit With Versatile Roof-rack Accessories
Regarding rooftop storage for surfing, kayaking, or road-tripping escapades, factory crossbars, and roof-rack accessories may seem the obvious choice. However, their high price tags and limited compatibility with only one vehicle can quickly dampen your enthusiasm. Fear not; brands like Thule and Yakima offer a more cost-effective and versatile solution. These aftermarket alternatives cost less and boast comparable or even superior performance.
What’s more, they can be effortlessly removed and seamlessly adapted to fit almost any vehicle you may purchase in the future, all while bypassing the hefty dealer markup. So, embrace the freedom of exploration with roof-rack accessories that don’t restrict your journey but enhance it.
Decoding Service And Maintenance Packages
Service and maintenance packages offered by car dealerships can be a double-edged sword. While they can provide convenience and peace of mind, approaching them cautiously is crucial. Dealerships profit significantly from their service departments and would love to secure your vehicle purchase and its ongoing maintenance. The allure of future business incentivizes them to provide quality service. However, the key lies in thoroughly evaluating and understanding the fine print. When presented with a service package, request written details, and take your time to review and analyze its worthiness. Don’t let the overwhelming car-buying process sway your decision-making—uncover the truth behind service and maintenance packages before committing your hard-earned money.
Navigating The Maze Of Useless Car Dealership Products
In the complex car-buying world, staying informed and vigilant against the array of useless products that dealerships may attempt to sell you is essential. Whether purchasing a brand-new vehicle or opting for a pre-owned model, add-ons and accessories can be enticing. Dealers often assure you that these extras will only have a minimal impact on your monthly payments, conveniently rolling them into the loan.
However, the truth is that these add-ons can quickly accumulate, inflating the overall sticker price by hundreds or even thousands of dollars. Some may be sneaky dealer add-ons slipped into the deal, while others are outright sold to you. Before making your purchase, it is crucial to identify and avoid the car add-ons that hold little value and are best sidestepped at the dealership. With this knowledge, you can confidently navigate the car-buying process and ensure your hard-earned money is spent wisely.
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