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Dealer fees: What to know and how to avoid them Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with interactive tools and financial calculators, publishing original and objective content. This allows users to conduct research and compare data without cost, so that you can make financial decisions with confidence. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies that pay us. This compensation may impact how and when products are featured on this site, including for instance, the order in which they be listed within the categories of listing and other categories, unless prohibited by law. This applies to our mortgage home equity, mortgage and other products for home loans. But this compensation does have no impact on the content we publish or the reviews you read on this site. We do not include the entire universe of businesses or financial offerings that might be available to you. SHARE: Photographee.eu/Getty Images

3 minutes read. Published July 14 2022

Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of borrowing money to purchase an automobile. 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 confidence to manage their finances by providing concise, well-researched and informative facts that break down complicated topics into bite-sized pieces. The Bankrate promise

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Therefore, this compensation may influence the manner, place and in what order items are listed in the event that they are not permitted by law. This is the case for our mortgage home equity, mortgage and other products for home loans. Other elements, such as our own rules for our website and whether a product is offered in the area you reside in or is within your personal credit score could also affect how and where products appear on this site. Although we try to offer an array of offers, Bankrate does not include information about every credit or financial products or services. Once you negotiate the price of your car you may be surprised to see a final sales figure of hundreds or even thousands of dollars higher than what you originally agreed upon. A majority of these additional charges, or charges imposed by dealers, are required by law for example, taxes, title and licensing fees. But some fees are completely up to the individual dealer to negotiate . Dealer fees you can avoid and negotiate Not all fees the dealer can throw at you is a requirement or cannot be negotiated. Be ready to turn down unnecessary options and haggle the costs of the items you’re interested in. Vehicle or dealer preparation fee Dealer or vehicle preparation fees are charges the dealer adds to get the car ready to be delivered. This includes washing the car, removing any “bump protectors” off the doors, and taking off the protective covers for the seats or floor. This can cost hundreds of dollars more, so it’s worth being aware of. What to do: U nless the dealer has gone above and beyond basic preparation, refuse to pay these dealer charges. Extended warranties and accessories installed by the dealer. These extra items are purchased at the time of sale, but only if you requested them and found that you are being charged a fair price for the product or service. These items might include a stolen vehicle recovery system- like LoJack paint sealant or an aftermarket sound system , or wheels . Avoiding the problem: If a dealer tries at charging you for any of these products and you did not ask for them, decline to pay the associated fee. If you did request these items, do some research to ensure that you are receiving a fair price since you can get the items after you own the car. VIN etching The VIN, which is also known as the vehicle’s identification number, is the grouping of 17 characters that identify your car. The procedure of VIN engraving is performed to protect yourself. It etchs the number on the car’s windows. It could cost anywhere between $150 and $300, which is why it’s wise to steer clear of this extra cost and tackle the issue on your own. It’s one of the easiest fees to avoid, so make sure to be prepared to keep it from slipping through the paperwork cracks . Tips to avoid it the cost: Say no to this additional fee and cut costs by going directly through a body shop to purchase this service. You can even find DIY kits online that costs between $20 and $40 . Extended warranty An is an additional cost that can cover potential car repairs once the manufacturer’s warranty on the vehicle expires. But they’re not required for everyone. If you’re concerned about the cost of repair costs, it could be wise to rethink the chosen vehicle. And if it is worth it, do some research instead of relying on the dealership’s offer. What to do: increase the amount of this charge against the likelihood that it’ll actually be utilized prior to signing on it . The gap insurance guarantee, also known as asset protection, or, is an additional cost that you could be charged if lease a car. It will cover the difference between the value of the vehicle and the loan payment if the car is totaled or stolen . The best way to avoid it: If you’re on a long loan duration and you do not put money down, this cost should be avoided. Pay at minimum 20% of your down payment to ensure it’s unlikely for you to end up the owner of your loan. Unavoidable dealer costs There are also dealer fees that you won’t be able to avoid, but you can prepare yourself for these . Tax as well as title and license costs The title and license fees are the cost for the process requires to obtain an auto title and a license plate. The price tag attached to the tax fee will depend on your state’s sales tax rate, and is not negotiated . Learn more: To understand the procedures for your state, go to the state’s Department of Motor Vehicles (DMV) website. Documentation fee: The document fee covers the cost of handling all paperwork that comes with the purchase of a car and is the amount you need to pay. Certain states have a flat fee for this cost, which is usually less than $100. Other states have no particular specifications, meaning that a dealer may charge whatever price they wish. The amount you’ll pay will depend on your state and the dealer you work with. To understand the standard price, check out local laws. The fee for destination is the amount is required by the dealer to pick up the vehicle out of the manufacturer. Kelley Blue Book notes that the cost can be as high as $1,700. According to Edmunds the process of the time you pick up your car at the factory won’t save you the delivery fee and you’ll be charged the entire amount. Takeaway: This fee cannot be reduced and is an expensive portion of your cost. The bottom line Although some additional dealership fees are unavoidable Knowing which fees can be negotiated or removed altogether is the key to saving money in the next time you buy a car. And before you enter a showroom do some investigation and calculate ahead of time to better know .

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This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ins and outs of securely borrowing money to buy an automobile. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to control their finances through providing precise, well-researched and reliable details that cut complex topics into manageable bites.

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