Lately, many of you have reached out to us at Cartoq with questions about dealership practices during car purchases. “Jay, should I take the dealer insurance?” or “What’s the deal with these maintenance contracts?” you ask. It’s a real concern—dealerships are known to push expensive add-ons, many of which you can confidently decline. So, let’s break it down and put all your doubts to rest.
1. Dealer-Provided Insurance
This one comes up all the time. Dealers often insist that buying insurance through them is mandatory—it isn’t. What they quote can be double the price of what you’d pay online. For instance, if they ask for Rs. 40,000, you can often find a comparable policy for Rs. 17,000 elsewhere.
Tip: Compare quotes online. Websites like Policybazaar or individual insurer sites can save you thousands.
2. Extended Warranty
Here’s the thing—extended warranties sound reassuring, but they can be bought later. Unless your vehicle has a track record of reliability issues, you may not need it immediately. If you’re unsure, revisit this a year or two into ownership.
3. Accessories Packages
Who doesn’t love new car bling? But dealers love bundling essentials (like floor mats, mudguards) with overpriced packages you don’t need. You’ll find better quality accessories at aftermarket shops for half the cost.
Tip: Buy only what you need, and shop around for it.
4. Maintenance Contract Package (MCP)
Dealers pitch this for “convenience,” but you’re often prepaying for inflated service charges. Pay-as-you-go servicing works out cheaper unless you’re clocking very high mileage.
5. Paint Protection and Rust-Proofing
Modern cars already come with factory coatings. Paying Rs. 10,000-15,000 for an added layer is rarely justified.
Final Word
Buying a car is already a big financial decision—don’t let unnecessary add-ons make it pricier. Take your time to read the quotation, question extra charges, and remember that saying no is your right as a customer. If you’ve encountered any of these practices (or others), let us know in the comments below—it helps everyone buy smarter!
