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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 goal is to help you make better financial choices by offering interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct your own research and analyze information at no cost - so you can make your financial decisions without trepidation. 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 products that appear on this site come from companies that compensate us. This compensation can affect the way and when products are listed on the site, such as the order in which they be listed within the categories of listing, except where prohibited by law. Our mortgage or home equity products, as well as other products for home loans. But this compensation does have no impact on the content we publish or the reviews that you read on this site. We do not cover the vast array of companies or financial offers that may be accessible to you. SHARE: Photographee.eu/Getty Images
3 min read Published July 14 2022
Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers to navigate the ins and outs of securely taking out loans to purchase cars. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to manage their finances with clear, well-researched facts that break down complex topics into manageable bites. The Bankrate guarantee
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You have money questions. Bankrate can help. Our experts have helped you understand your finances for over four decades. We are constantly striving to give our customers the right advice and tools needed to make it through life's financial journey. Bankrate adheres to a strict code of conduct standard of conduct, so you can rest assured that our information is trustworthy and reliable. Our award-winning editors and journalists provide honest and trustworthy information to assist you in making the best financial choices. Our content produced by our editorial staff is factual, objective, and not influenced by our advertisers. We're transparent regarding how we're in a position to provide quality content, competitive rates, and useful tools to our customers by revealing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products andservices or by you clicking on certain links posted on our site. This compensation could affect the way, location and in what order items are listed and categories, unless it is prohibited by law. This is the case for our mortgage home equity, mortgage and other products for home loans. Other factors, like our own proprietary website rules and whether a product is available in the area you reside in or is within your own personal credit score could also affect the way and place products are listed on this website. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit products or services. Once you negotiate the price of your new car, you could be shocked to see a final sales figure of hundreds perhaps even thousands more than what you originally agreed upon. Most of these extra fees, also called the dealer's fees are imposed by law such as tax, title and licensing fees. However, there are some fees that are entirely dependent on the particular dealer to negotiate . Fees for dealers you can eliminate and negotiate Not all fees that a dealer offers 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. Dealer or vehicle preparation fees The preparation fee for a dealer or vehicle are additional charges that the dealer adds to get the car ready to be delivered. This includes washing the car, removing the "bump protectors" off the doors, and disposing of the protective coverings for the floor or seats. It could cost hundreds of dollars more, so it's important to be aware of. How to avoid: U nless the dealer has done something above and beyond basic preparation, refuse to pay these fees. Extended warranties and accessories installed by the dealer. These additional items are payable during the sale, however, only if you have requested these items and were able to prove that you're being charged a fair price for the item or service. This could be an unintentionally stolen vehicle recovery device- like LoJack paint sealant, or an aftermarket system for sound or wheels . What to do when a dealer attempts at charging you for one of these items and you did not ask for them, decline to pay the associated fee. If you did ask for the items, you should shop around to make sure that you're getting a fair price because you can get the items when you own the vehicle. VIN etching which is also known as the vehicle's identification number, is the collection of 17 characters which identify your car. The procedure of VIN engraving is performed to protect yourself. It etchs the number on the windows of the car. The cost can range from $150 to $300, so it is recommended to avoid this additional cost and tackle it yourself. This is one of the easiest fees to avoid, so make sure to be prepared to keep it from slipping into the paper cracks . How to avoid Say no to this extra charge and cut costs by going directly to a body shop for this service. You can also find an online DIY kit that costs between $20 and $40 . Extended warranty is a cost-per-hour that covers potential vehicle repairs when the manufacturer's warranty on the car expires. But they aren't necessary for every driver. If you're worried about the price of possible vehicle repairs, it may be prudent to reconsider your choice of vehicle. And if it is worth the cost, consider other options instead of blindly going with the dealership's offer. How to avoid: C ompare the cost of this fee with the likelihood that it will be utilized prior to signing on it . Insurance for gap gaps Guaranteed Asset Protection or , is an additional cost you might be met with if you lease a car. It will cover the difference in value of the car and loan payment if the car is destroyed or stolen . How to avoid: U even if you have a lengthy loan duration and you do not put money down, this cost is something you should avoid. At minimum 20% of your down payment to ensure it's unlikely that you end up on your loan. Unavoidable dealer costs There are other dealer fees that you won't be able to avoid, but you can prepare for these . Tax, title and license fees The title and license fees are the cost for the process requires to obtain the title to your vehicle as well as the license plate. The price tag attached to the tax amount will be based on the state's sales tax rate and cannot be negotiated . Takeaway: T o learn the procedure in your state, check your state's Department of Motor Vehicles (DMV) website. Documentation fee: The document fee covers the cost of processing all the paperwork associated to a purchase of a new vehicle and is something you will need to pay. Some states will charge a flat fee for this fee, but it is generally under $100. Some states do not have any specific specifications, meaning that a dealer can charge whatever it wants. Takeaway: What you'll pay will depend on the state in which you reside and the dealer you're working with. To get an idea of what's typical, look up local laws. Destination fee This fee covers the cost that it costs the dealer to take the vehicle directly from its factory. Kelley Blue Book notes that the cost can be as high as $1700. According to Edmunds the process of the time you pick up your car at the factory won't help you pay the delivery fee as you'll be required to pay the full amount. The bottom line is that this fee can't be changed and could be an expensive portion of your total cost. The bottom line is that while some additional dealership fees are unavoidable, knowing which can be reduced or negotiated entirely is crucial to saving money in the next time you buy a car. And before you enter a showroom , conduct some study and calculations ahead of time to better comprehend .
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Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ins and outs of securely borrowing money to buy a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to take control of their finances with clear, well-researched information that breaks down complex topics into manageable bites.
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