Skip unnecessary new vehicle add-ons and keep more money in your pocket.

When buying a car at a dealership, nearly every salesperson will offer add-ons. From a business standpoint, it makes sense why a dealer upsells options. Add-ons are a relatively simple way for the dealer to generate hefty profits. Some may be nice to have but a good number are unnecessary. Here’s a look at options to decline and keep more money in your pocket.

Etching the VIN number on windows

Dealers may offer VIN etching as a protective measure in case of theft. However, new cars already have the 17-digit vehicle identification number listed in multiple places. Manufacturers commonly stamp the VIN on the dashboard where it’s visible through the windshield and on a sticker on the driver’s side door post. They may also put the VIN on the engine block, car frame or under the spare tire.

Nitrogen-filled tires

The benefit of nitrogen filled tires for retaining pressure is minimal, according to CARFAX. Skip this add-on. Instead, check tire pressure frequently and rotate tires according to your car’s recommended maintenance schedule to get the longest life out of tires.

Extended warranty plans

At an average cost of $600 to $1,000 per year, extended warranties are lucrative add-ons for dealerships. They may also duplicate coverage you already have. Manufacturer warranties today offer buyers generous coverage. Common terms include bumper-to-bumper coverage for 3 years/36,000 miles, powertrain warranty for 5 years/60,000 miles or even 10 years/100,000 miles, corrosion/rust warranty for 5 to 7 years and roadside assistance for a set period. Plus, most drivetrains go 100,000 miles without trouble, according to AAA. These factors make extended warranties an unnecessary expense.

AAA also warns that all auto repair shops may not work with a third-party extended warranty company. If considering an extended warranty, “[R]ead the fine print in the contract, not the sales brochure,” advises the association.

Learn about the basics of car warranties here.

Protection for items not covered by the manufacturer’s warranty

If there’s a component of your car that can be damaged or lost, there’s probably an add-on for “protection.” Dealers offer plans for keys, paint, upholstery, wheels and tires. The cost for these add-ons often outweighs their value.

Upgrades and accessories to personalize the car

From custom wheels to slick pinstripes, there are numerous ways dealers can personalize your car. If any of these are must-have items, they can typically be purchased and installed for less by a third party. Turn down add-ons that you can get cheaper elsewhere.

Is it time to buy a new car?

When it’s time for you to buy a new or used car, get pre-approved for a Consumers auto loan so you know exactly how much you can afford before you go shopping.

 

All loans subject to approval. Rates, terms, and conditions are subject to change may vary based on credit worthiness, qualifications, and collateral conditions.