Dealer Add-ons Cost Analyzer Calculator
Frequently Asked Questions
Are dealer add-ons worth the cost?
It depends on the add-on and price. Extended warranties can provide value if reasonably priced, but dealer markups are often 50-100%. Most protection packages (rustproofing, fabric protection) can be done aftermarket for much less. Always compare to third-party options.
Should I finance add-ons with the vehicle loan?
Financing add-ons increases total cost due to interest. If you can afford it, paying cash for add-ons saves money. However, if the add-on is essential and you can't pay cash, including it in the loan may be necessary - just be aware of the added interest cost.
Can I negotiate dealer add-on prices?
Yes, dealer add-on prices are highly negotiable. Dealers often have 50-70% profit margins on add-ons, so there's room to negotiate. If the dealer won't negotiate, consider purchasing add-ons from third-party providers or aftermarket installers.
What's a fair price for an extended warranty?
Extended warranties typically cost 8-12% of the vehicle price. For a $30,000 vehicle, a 5-year warranty should cost $2,400-$3,600. If a dealer asks $4,000+, they're likely overcharging significantly. Shop around with third-party warranty providers.
