4 things to Never Buy in The Finance Office when buying a car.

Buying A Car Doesn't Have To Suck™️
After you buy a car your next stop is the finance office. Here is where they will present you with a menu of options. These are the top 4 items to never buy in the f&i office when you are buying a new or used car.
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#Chevrolet #Louisville
You can now find me at my own dealership in southern Indiana. My wife and I started Mike’s Car Store Located in Georgetown, In. Where Buying a Car Doesn’t Have to Suck™
We specialize in Late model Used cars for all types of buyers. If you have challenged credit we can definitely help you and ensure you don’t get scammed or pay too much. If you are a cash buyer or have excellent credit we will be glad to help you as well.
We are also specializing in our new Car Grabber service. If you are looking for a late model car and don’t want to contact a bunch of dealerships just to have them show you cars you didn’t ask for. We got you. Just head over to mikescarstore.com and tell us what you are looking for and we will get it for you.

[@alecchamberlain4231]

1) NEVER answer the question.. what do you want your payment to be? 2) KNOW what the vehicle you are purchasing is worth, used or new. 3) if you have a trade, know what that is worth as well. 4) ONLY PAY FOR THE VEHICLE PURCHASE PRICE, TAXES, LICENSING FEES, AND A 75 DOLLAR DOC FEE. Period.

[@dubltap7216]

They always ask that and I always say $200 on any new vehicle.😁 That really sets them off, telling me to be reasonable. But that the only amount I give them. Making them come up with figures that I decide on.

[@fupalover]

Doc fee isn't 75 here

[@JoeSmith-ez3zg]

Doc fees vary by state

[@toddkorbusieski111]

@@mZToyadiva101 You tell them the final bottom line out the door number you are going to pay. Let them figure it out. If they can't then walk.

[@NatesHomeTours]

I just purchased a 17 Cherokee 2 weeks ago. I knew how much my 10 Compass was worth as trade in. they tried to low ball me at $800 when it was worth $2500 trade in. I told them at least $2000 trade or I walk. got $2700 in the end.

[@beckerp86]

#1 (0:55) GPS/LoJack #2 (2:18) Paint protection #3 (4:53) Dealership accessories #4 (6:31) Disability insurance #5 (8:00) Payment packing

[@fybgreen4046]

🐐

[@Picoyttims]

God bless you

[@raniasham3176]

Thank you

[@shadetree4679]

Thanks very much

[@marvinnicklas7638]

I helped a coworker buy a used car the other day. I noticed it had the VIN etching on it. When we went into the finance office they tried to sell it to her again. If you go to buy a car my suggestion is to have an objective wingman with you. A purchase like that is stressful and your not thinking right.

[@hectorrivera66]

I tried buying a new Chevy Spark where I live in California. The dealer refused to remove the extras (paint protection, ...) from the contract and I walked out. Since they didn't chase me down in the parking lot, I can only assume they were confident someone else would fall for the scam.

[@amyhammer2707]

I just want to say thanks! I’m in my 50’s and have new cars every 4 years or so. I always went in with the “I don’t want my payment to be above X dollars”. This time I decided I was gonna do it right. I binge watched tons of your videos and feel like I got a good deal. That being said, the Finance Manager tried to pull a fast one on me with the numbers and I called his bluff. He stammered and tried to get me to just go with it but nope....I didn’t. I got up to leave and he somehow was able to “fix” the issue after his manager made a “special exemption”. Through it all, I even ended up with a lower interest rate than was initially given. And I said “NO” 468, 294 times to all the extras. He tried but I kept firm.

[@josephbaumann292]

I have been binge watching these videos also. Now I will be prepared when I walk into the dealership.

[@aliensmadeus8719]

now your motor will blow and you'll wish you bought that extended warranty.

[@trailerparkcryptoking5213]

If you bought vehicles with the best long term dependability, Toyota/Lexus, you wouldn’t have to buy a new vehicle every four years, which BTW is throwing away a lot of money over a lifetime via depreciation!!! Quit buying junk! I have a sister in law that buys a new Chevy truck every three years because she refuses to not have a warranty. She needs that warranty because that POS always needs something worked on. Meanwhile her sister with the Toyota RAV4 that she bought new in 2007 has 180k miles and still runs like brand new and has never required any repairs, just oil changes, brakes and tires! Most Toyota’s are trouble free for many many miles!

[@amyhammer2707]

@@trailerparkcryptoking5213 I didn't ask for financial advice from you. I'm not buying junk! You have no clue what I'm buying so I'm not sure where you get off thinking you do. I like a new car every 4 years or so and can afford to have one if I want. I don't HAVE to get a new one when I do. I WANT to! And BTW, I've owned a Toyota and a Lexus as well as others. If all the vehicles I owned, the Toyota caused me the most issues.

[@trailerparkcryptoking5213]

@@amyhammer2707 you maintained your Toyota like your finances.....😂😂😂

[@MuskokaAdventures]

I work for a car dealership and I'll give you a bonus one. Never ever ever get rust proofing at the dealership. Its way overpriced and typically the guy that sprays it gets paid on a per car basis so it's in his best interest to work really fast and ends up being a really crappy job.

[@annafraser8654]

I never ever buy anything else when I reach the finance office, and it gets annoying when I have to keep telling these idiots over and over again, I do not buy extended warranties, I do not buy paint/cloth, etc, protection. I just want the vehicle for the agreed upon price. I once told a finance guy that if he kept asking I would walk. If after 3 years 36k miles you feel the need for coverage buy carshield insurance or some other warranty that is offered by a ton of places now. Also GAP can be purchased through your insurance if needed. I have purchased a dozen or so new vehicles over the years and never once needed to use an extended warranty.

[@jessicam522]

Do you think it’s best to get GAP insurance through our insurance company? Do all provide it?

[@jessemen14]

@@jessicam522 if u can go through them then do it. I had a chance to long ago but never did it. Now my insurance won’t offer it anymore since they changed a few stuff. Other than that get it from the dealership. It’s probably worth it at the end.

[@douglashenry6996]

Best move of all is to go get pre-approval on a loan from a bank (or best of all, your credit union) before you even go to the dealership. That way, you have most of the leverage from the get-go.

[@1Blackamerican]

Exactly

[@F2Ptwisted]

Having a pre-approval gives you no leverage, it actually gives you complete opposite. It’s like paying cash for a vehicle, which is definitely not a good route to go.

[@1Blackamerican]

@@F2Ptwisted y is paying cash not a good route?

[@F2Ptwisted]

@@1Blackamerican Because there’s savings if you finance then you could just pay it off the after like 2-3 months

[@1Blackamerican]

@@F2Ptwisted I hear u. But if I pay it off n 2/3 months. There’s interest that I wouldn’t pay if paying the car off n full. How do you save when you’re getting financed through a dealership or credit union?

[@ryanmallery9335]

I’ve worked in 4 dealerships and we need more people like you to keep it real and help educate the customers! Much respect to you and love the amazing content

[@summerlizz1]

You should open a channel too

[@coolmafiet]

Thank you for this. I went in for an $8,900 car at a dealership and all of a sudden my payment plan was $300 and the car became around 14K...Yeah, not for me.

[@mikedemarco352]

It’s called interest plus tax and fees.

[@cogtager]

Compound Interest plus taxes, registration and fees. It adds up. So research how much the car will actually be.

[@ericsundman1]

I watched your videos before I bought a new car over the July 4 weekend, I went in confident and made sure I was able to get the best deal possible and was able to wiggle more value in my trade in. Thanks!

[@larrymoens20]

You want max value for your used vehicle, sell it yourself.

[@paunchouspilot6757]

Saw a $995 add on sticker for Nitrogen at a Nissan dealership in Kansas city North. Laughed and walked away thanks in part to your video.

[@eriktrinh5501]

You are a very rare species sir in your business industry, please don’t get extinct by the greed of this world. Honest and righteousness will gain you lots of true clients and success. Wish you the best. God bless.

[@anthonyduarte4497]

I work at a dealership here in AZ and the biggest ripoffs that my dealership sells are an overpriced theft system, window tint and the paint protection. Not even worth the money. Keep up the awesome vids!

[@gladisrodriguez2010]

What dealership do you work at? I’m thinking of buying a vehicle but I’m scared of a dealership lol

[@MetroCollectablesandvlogs]

@@gladisrodriguez2010 same, lol..... my Jeep was hit by an idiot on the 60, now might be in the market for another one. Hate buying.

[@gladisrodriguez2010]

@@MetroCollectablesandvlogs Hopefully you don't need to buy a new car Dealerships charge so much! verified by me lol

[@MetroCollectablesandvlogs]

@@gladisrodriguez2010 Hi there, I just received a call today from the Collison pl and they are 99% its going to be totaled.... now I think i will have to. any tips? I dont want used because it will be my work horse. While the Maserati stays in the garage, lol. I go down a lot of dirt roads, etc... T.I.A. :)

[@sunny051488]

It’s nice that they even give people an option for all these things. Most dealerships will already do all of that work and put it into the final price and you have no say to remove them.

[@limericklad2000]

Your finance guys must love you at the dealership...

[@masonbrown188]

They do, he sales a ton of cars!

[@lorenmorgan2010]

@@masonbrown188 he probably gets paid on backend products that the F.I. guys sells he's a disgrace to his dealership! I'd fire his ass if I was his G.M.

[@dfana8999]

lorenmorgan2010 he also only mentioned a bunch of stupid up sells like “paint protection” and “accessories” LOL...... he didn’t mention the real things not to buy at the dealership like Extended Warranties and Gap Insurance where the mark ups are insane!!!

[@gncc600]

He only tells you not to buy the shit they don't sell. All the scams they run he won't mention.

[@lorenmorgan2010]

@@dfana8999 true there are higher margins in Service contracts and Gap insurance but to me are both very necessary to buy...but just negotiate the price of them like any other products you buy from other retailers...the worst calls I get from customers is the ones I get about asking if they had Gap insurance on their loan and seeing they didn't and there's been a total loss and you know their about to pay a deficiency balance because more than likely they rolled negative equity over or just the massive amounts of depreciation all these new cars have! Or someone walking from the service department asking me do they have an extended warranty on their car because the service writer just told them they needed hundreds or thousands of dollars in repairs...thats why those products are needed! But somewhere along the way people just thought the car industry is the only that "rips" people off?! Hell any thing thats an insurance is marked up a ton. Try going to your State Farm or Nationwide and ask them for a discount because you think its too much...they'll look at like your crazy! And half the time theyll deny your claim or find a reason to if you ever have to use them! Think a little more people and try and be objective!!!

[@admoreno35]

Thanks Mike! i went through this yesterday. i was like No, No, No, and they eventually stopped.

[@TheClarkfather]

GAP insurance and extended warranties are often scams. There are so many clauses that all must be satisfied for most warranties to be covered. You're better off getting mechanical breakdown insurance through your car insurance

[@MrKeithmckenzie]

Gingerbeard Man I wish the Chevy would expounded more on these gimmicks than the 4 he explained . ( Full insurance from your insurance company covers most of everything and you pay for it once not twice no double dipping )

[@commonsenseguy8189]

@@MrKeithmckenzie Well, if you have a $0 deductible... most of us have to pay the deductible, then you must weight the deductible vs the cost of not filing a claim and risking your rates to increase or they dropping you... So, in my opinion the best choice is to sell the vehicle before the 3 year/36,000 mile bumper to bumper warranty expires... or maybe lease it...

[@thundergato84]

My friend bought GAP insurance, and it saved him from paying the remaining balance. His SUV was totaled, and GAP paid the rest.

[@ryanolson9605]

@@thundergato84 you are exactly right if we don't put down a large down payment pick up Gap but do not pay 895 pay 450 to 500

[@robertasmedu]

all extended warranties are a scam. Those warranties state that parts that are being covered are non-tear and wear! but the whole car is tear and wear item :D never buy any extended warranty :)

[@jorgepatino7258]

I purchased the 5 year tire, wheel and windshield coverage. Already had 3 tires replaced and 1 rim replaced due to damage while driving, at no additional cost. It also cover minor dings and dents, and will replace your key up to 3 times with no deductible. Just with the rim replacement the coverage already paid for itself

[@chipblock2854]

About 10 years ago I was asked to buy 3 or 4 additional items in the finance office. I told the finance manager that I was at his dealership that day to buy a car not a bunch of worthless items that I don't need. He didn't really listen to what I just said and continued to try to sell to me another item. So I got up and started to walk out. He asked where I was going and I told him that I was going to another dealer. He finally figured out what I was saying and I bought the car as the sales person wrote up. I got what I wanted. End if story, well sort of, why is buying a car like pulling teeth? If I buy a house there is a negotiation period but there usually isn't a hard sell to buy additional unwanted items or a bunch of BS fees to pay. When will dealerships change? Last fall I bought a Lexus from a small dealership selling only luxury cars. Their sales tactic was the sales price is the final and only price. Take it or leave it. The Lexus was under priced and the only thing negative was the color. About three weeks later the owner called and said he got one in the color I wanted. I'll I had to do was come in and sign papers on the newer car. One small catch, the newer one was two thousand more. I kept the first one but may return one day.

[@valleydude5000]

Don’t buy the tire Insurance Unless you buy a Camaro and drive behind a truck with full nail boxes.

[@kedejack3718]

Shiiiiid I purchased tire insurance thru Lexus and never purchased a set of tires in 5 years.

[@Christian2496529]

Its actually not a bad thing, all you have to do is buy a box of nails and drive over a couple

[@alexpotter3286]

Went through this today. 2018 CPO Honda Accord touring, tried to charge $300 window tint, $900 paint protection, $800 interior protection which were all already installed by dealer, got them to take them all off, then tried to add $900 dent protection and $2700 extended warranty into our payments. The finance manager was fuming after we declined everything he was trying to sell.

[@AD5550-r7g]

i WENT PRE-APPROVED FOR A CERTAIN VEHICLE AND THE FINANCE MANAGER WAS PISSED BECAUSE i REFUSED EVERYTHING AS WELL. I TOLD HIM WELL, I HAVEN'T SIGNED ANYTHING, WE'LL LEAVE. THANK YOU FOR THE TIME. I GOT READY AND THE SALESPERSON FINALLY COMES BACK AND SAY OK, NOTHING ADDED, ORIGINAL PRICE WE AGREED. FINANCE MANAGER TRIED TO EMAIL ME MONTH LATER STILL TRYING TO SELL EXTENDED WARRANTY. I JUST LAUGHED AND HUNG UP ON HIM

[@ninjabait4444]

Same here, there was an immediate change in attitude when i asked how much in total the plans were. They were just trying to hide all the stuff by raising the month up $50 and extending the term out. That was thousands of dollars they were trying to hide.

[@THEBIGCHULETA]

Every time they ask what you want the monthly payment to be I ask them something very uncomfortable or simply tell them it’s none of their business. I really push to know what the msrp is with the legalities added, the out-the-door price. Nothing else matters to me in a purchase.

[@geraldh.8047]

Please provide example of the very uncomfortable thing you ask them 😅

[@Krysco51]

Very good advice. When i purchased my 2014 CTSV, the finance guy was brutal. My first mistake was purchasing “Auto Armor” which was a huge mistake. I already planned on getting my car ceramic coated and i figured i could roll this into my loan when he suggested it. I was so anxious and excited that i opted into that which now was a HUGE waste of money. I wasn’t too impressed with it and ended up getting it actually ceramic coated a month later. The finance guy also tried really hard on the life insurance which i refused to get. My sales guy was great but that finance guy was a pain in the ass. The following year when i purchased a new Sonata for a DD, they were much better than the caddy dealer. All they wanted to push on me was some wheel warranty which i refused.

[@TicklerDude]

Yesterday, I saw an addendum sticker of a new car for $999 that included window tint, paint protection, and powertrain warranty. They said they could reduce the price to $500 if I really had a problem with it. I didn't believe him and the sales manager was kinda rude, so I figured that they were trying to screw me over and walked out of that dealership.

[@HEATWAVEKICKS]

Happened to us yesterday, but they were trying to add $2400 for accessories and paint protection that wasn’t even on the car yet. I asked to have the price removed because we didn’t want any of it anyways and it wasn’t installed yet. They told us no and it has to be installed because they do it on all their cars. We left

[@jakemagic107]

A power train warranty for $500 lmao

[@mitchco6704]

I visited a car lot yesterday with the same limbo-jumbo here in Dallas. They were charging $6,995 for window tint, scotch guard, wheel locks. Ended up walking away, but not before that amount was reduced to ZERO.

[@brandonwilliams5353]

I never get financed at the dealership. I just go get pre-approved by my credit union before going car shopping.

[@JoeSmith-ez3zg]

I always get pre-approved before hand and use it as leverage against the dealership. I tell them what I can get it for and challenge them to beat it if they can. The last car I bought they said they couldn't beat it, but in the end they were able to.

[@richardtruitt4646]

@@JoeSmith-ez3zg how does pre approval for the loan guarantee that a dealership will sell you the car for that price?

[@JoeSmith-ez3zg]

@@richardtruitt4646 Pre approvals are for a range of money, not an exact amount. They give you the limit they will finance you for.

[@marcelinosanders9257]

credit union has higher interest than dealership

[@Flordriving]

@@marcelinosanders9257 not always. My credit union got me a 1.5 for truck. And 2.5 for wife’s.

[@stacyyaple9570]

Im going to the dealer within a week. This is excellent info in my pocket...

[@Senerian]

They all hate me cause I do all my Financing through USAA, I have never taken dealer loans

[@jayfishman7694]

When I bought my 2021 F250 6.7L last March I told the salesman to tell the finance guy no sales pitches. Just close the loan as agreed or we’re going to have a problem. And he did just that. I also tell them that unless they’re going to make half my payment there are to be zero things on the truck that markets the dealership. I never understand people who allow themselves to be rolling billboards for car dealerships with stickers, mud flaps and license plate frames. In my 55 years of car ownership I’ve always changed the oil every 3 months or 3,000 miles. Some say this is wasteful but it’s my thing and I’m sticking with it. Since at this stage of my life this will be the last truck I’ll ever need or buy and due to the high cost of a Diesel engine oil change I did know ahead of time I wanted their lifetime oil change program that allows an oil and filter change every 3 months regardless of mileage. For me the payback is less than 2 years.

[@toddgabweg]

Just bought a 2020 Legacy Limited ... got 63 months interest free- the finance guy gave me several options for gap insurance, key protection, clear coat etc., extended warranty- I said no to all (wanted $5000 extra dollars). When I said no... he then tried to sell me just the extended warranty for $2400- said no - kept pushing until I agreed for an 8 year warranty for $1200 (still too much).

[@winnepeterson6570]

I ordered a brand new 2025 Subaru Outback Limited and the accessories I wanted were installed at the factory (except the tow package). Thus I avoided installation fees at the dealership.

[@indashadow1]

as soon as he said Lowjack....a single Tear rolled down my face LMAO

[@tomacwoody]

Never, never, NEVER finance at the dealer. Go online with what you think you can afford for payments, put that payment in and figure out what the total price will be. Then visit a local credit union, and apply for that amount. The credit union will not lie to you regarding your best interest rate. EVERY finance guy will lie about the rate you can get. You have excellent credit and qualify for 1.9%?? The F&I guy will say you qualify for 2.9, or 3.9 and make money on your ignorance of your credit rating. If you must finance at the dealer, never negotiate on the payment!! Find out your credit score, then negotiate the price of the vehicle. You are playing a losers game if you negotiate the payment. The only time I would consider financing at the dealer is if they had a 0% deal, and I would only finance if they were also offering thousands off MSRP. Unfortunately most dealers will offer 0% OR thousands off. It is a much better deal to get the thousands off and finance at 1.9% through my credit union.

[@JoeGiz64]

Dealer financing can be be very good if you know how to play the hand. I have 840 credit score, go to my CU first and find out what type of rate they will give me. Then, at the dealer F&I guy, ask him what is the best “buy rate” he can offer you? See how that compares to your CU rate, most times you can get a lower rate with good/great credit at the dealer.

[@80spyder1]

I found out recently that extended warranty can be negotiated. I bought a new vehicle and I wanted an extended warranty because I put a lot of miles on very quickly but I thought it was too much and asked him to show me a cheaper one. Instead, he sold me the same one for cheaper.

[@mikeg1032]

That would trigger me into leaving

[@russellhowry4137]

I love all these tips. They helped me a ton when I bought my car.

[@douglynch7285]

Base payment must always be disclosed. It’s the law. Any Finance Manager that doesn’t is unethical and breaking the law.

[@ftby59mikeD]

Straight talk, legitimate dealer!👍...there's no more negotiating the sticker price so as buyers these are the only things we can do.

[@SLGibby]

I’m learning so much from this guy, thx for all these lessons, I’m binge watching many of your videos right now.

[@philipallard8026]

A banker I used to work with loved credit life insurance because of the profit in it. He said he would occasionally encounter a customer at death’s door and knew he would lose on the policy but that was a rare thing. Keep in mind with these policies that they are declining term policies. The pay only for the loan balance so as the amount owed reduces over time the payout gets lower. A term policy that doesn’t decline is always a better deal if you can get one.

[@Meatwad650]

There is one proper way to do paint protection. You find a GOOD shop (ask around). It’s a 3 step process. Paint correction (where they basically polish out the paint - it usually comes from the factory pretty bad), then paint protection film , then ceramic coat. Find someone who loves cars to do it. I’d never let a dealership do it. I don’t even let them wash the car.

[@KirkOut1]

From watching this, I'm super proud of my dealership. As someone who is about to be promoted to finance, this is mind blowing how transparent my dealership is. We don't markup rate. Whatever you get approved on, that's the rate you get. We don't sell accessories in finance at all. Of the paint protection, we sell the one he recommended. We also teach to show the base payment upfront. Lojack has some extra benefits but it's not a hard sale. With Toyota vehicles, the tracking services come standard on the highest trim levels, they aren't available on the base model.

[@G3Ellis]

The dealer that I walked out of on Friday tried to sell me a Pulse brake light add-on. It was 'required'. I walked. And then after research realized that the Federal mandate is that brake lights are a steady solid light. Pulsing brake lights will get you a ticket in some states. While they might make sense, they are still illegal.

[@PedroDePacas99]

I repeat do not buy an extended warranty . You will either trade the vehicle in before the warranty is up or you can pay for one cash or on a credit card with 0% interest right around the time your factory warranty runs out. Trust that the dealership will send you reminders and offers just to remind and solicit you.

[@danr4316]

It depends on your needs. I buy vehicles with the intentions of keeping them 8-10 years, which is longer than most manufacturer warranties. Also, buying warranties three, four, five years later means the price of the warranties goes up as the vehicle ages and mileage starts piling up. It's really no different than your health insurance premium going up as you age. I tend to buy warranties at the time of buying a vehicle that overlaps the manufacture one. While I dont like overlapping, in the long run it is cheaper, since as I stated, the cost goes up as the vehicle ages.

[@andycharles6921]

I believe that your F&I department just came out with a new type of contract.It is a contract on your head because you just dropped them all, right, smack, dab, in the grease!

[@johnmatarazzo9178]

If you know the business he is doing the credibility close

[@subeyguy66]

@@johnmatarazzo9178 "transparency" aka sticking you where you can't see

[@tommak6516]

I went to buy a car and the finance guy kept complaining about how cheap the car was I was buying (for cash) and how I was not buying anything from him and how they were not making any money. So I stood up and said 'if this deal is such a hardship for you just tear up the contract and forget the whole thing.' Guess what, he shut up and finalized the purchase.

[@stevennihipali3607]

I wish you'd do this kinda stuff more often

[@2020-g8s]

You seem like a very professional salesman. Wish many more are like you: clear & concise.

[@4vinylsound]

I purchased a new vehicle a couple months ago in the beginning of this pandemic and the dealership sales manager got so angry with me he had to walk away because I kept saying no to everything he's throwing at me we did eventually make a deal me and the salesman but not the sales manager and only because the salesman wasn't doing that he was doing the opposite he was leaving me alone and letting me think

[@dandietzel]

They were trying to get you to cave under the premise of wasting time. "Ah, I'll just get this done with".

[@4vinylsound]

@satchelSCROLL depends on your situation. If your desperate and need a vehicle immediately you hold out as long as possible for you think you can get the best deal you can then you comply if you feel it's right if you have time and you do not need a vehicle then you hold out as long as you can and then you can even walk out and come back another day and see if you can get a little bit better the other doing that route

[@scottlitton1987]

I got convinced to buy a ceramic coat for my truck. It was late and really didn't have time to research them. One thing I learned was the particular brand required PH Neutral water to wash truck with. I called and asked why this wasn't explained when buying it. Dealer said it wasn't so, and I said it is stated clearly for XYZ brand to use PH neutral water. I do not have PH neutral water coming from our water company. Like to never got my money back.

[@pluggedev8464]

Just buy from carvana, 100 day warranty, often free delivery, no bs add ons and 100 days or 4K mile warranty. Also bs on the warranties. Often the warranties are not from the Chevy, Ford , etc but some third party that may not cover the repairs. Most people never use the warranties and if they do the cost to fix it typically less than the warranty. Dave Ramsey- “I don’t buy warranties”

[@brentvance3958]

Love your videos. They really helped me the last time I bought a car. Thank you

[@printerdaves72]

Dont buy a t shirt from a car salesman. Lol.

[@geraldhardy6722]

Looking forward to buying my next Corvette from you! Thanks!!

[@taurayi8642]

Saving to buy my first car. Im so glad your channel popped up on my recommendations

[@CarysCorner]

I always thought it was funny to push the idea of nitrogen in the tires, considering that the air is already 78% nitrogen. Extended warranties are crap, cost too much, cover too little.

[@thein1990]

Bumper to bumper extra 6 years 100,000 miles after the 4years 50,000 miles bumper to bumper is up! Only $3500 extra and it covers EVERYTHING got the platinum package

[@CarysCorner]

@@thein1990 I’m surprised! That actually sounds like a decent plan. Did you negotiate the price?

[@katrinaesplin390]

I got bumper to bumper and it cost me $1800 for 10 yrs, so I have 10 yrs power train and bumper to bumper which will cover almost everything I felt like it was worth it

[@CarysCorner]

@@katrinaesplin390 that sounds like an amazing deal. Who was the provider?

[@jeffreyfay5962]

I live in Louisville and I’m coming to you within the next two months to buy a truck! Love your videos

[@ChevyDude]

I’ll be here for you. I work by appt only. My schedule is on ChevyDude.com

[@4vinylsound]

Basically the safest way to go about this is when you purchase a vehicle to just say no.

[@4vinylsound]

@@AmbyChloe tires are not an option you pay superately for. Yet. Like a steering wheel. Or a door. Don't be a fool.

[@4vinylsound]

@@AmbyChloe Vehicles automatically come with tires seats and a steering wheel you don't pay extra for those that's not an extra option it's automatic you should know that if you own a vehicle.

[@domin8ss]

@@4vinylsound my horse didn't come with shoes pre-installed

[@theredshow2397]

@frougeChloe lmaoo😂😂

[@115cracker]

i know when i got my car, the finance office guy, asked me if i wanted a rim warranty, and i told him no on that and anything else that would have been extra added

[@puckingrufus56]

Anytime I see a blinking brake light I know that person got ripped off. Its a $30 Amazon part that's sold for $495 in the finance office

[@Nick-jg9ck]

How do you know where they bought?

[@lamarcurtis1582]

Man!!!! This how to sell cars. JUST BE HONEST WITH THE CONSUMER 👊👊👊😎 💰

[@ChevyDude]

Exactly. 😍

[@robertruggles6067]

The 73 dislikes are finance mangers.

[@yaaoxuezhou1827]

lol

[@tinawilson5104]

I refused the extended warranty and they still included it for a price tag of $3000. They said they had to or I wouldn't get financing. The used car lot my husband went to said the warranty was free but when we got the statement from the finance company he was charged $2000.

[@ChevyDude]

vm.tiktok.com/ZMe3DQNQX/

[@shawnmcfarland4743]

I've had them change contract by getting rid of addons...sneaky buggers

[@jimpikul8551]

Thanks for the info! We had a finance guy clue us in on getting a smart spare key for the car within three months by claiming that you lost the key set. So when my Boss goes in to pick up after calling it in the service guy wanted $300 for key and programming. And they claimed we didn’t buy the car from them. It torqued the wife so tight that she backed up to the waiting room and went and got the bill of sale. Brought it back to the desk of the finance guy that closed the sale and bitched him out loud enough for the GM to come over. Was one of my proudest days ever. And the idiots over torqued the oil filter so tight that it took a three foot pipe wrench plus a four foot cheater to remove. No more business for them!

[@christophercarter4429]

Are you looking for more sponsors? I’ve learned so much more from you that I’d love to help thru a company sponsorship

[@ChevyDude]

Always looking for sponsors. [e-mail]

[@lisaa7011]

Thanks so much for the tips. Was helpful when buying my daughters car. Let me know that Progressive Auto Group in Massillon Ohio was actually treating me fair and on the up and up. Great car, nice people!

[@RandomBoxingGuy]

Important to note that dealer are well aware of off these videos ... so they are go stantku coming up w/ new tricky ways to make the same ok scam product to make it sound like something g different for example ... LoJack or Window etching becomes “Anti-Loss Commitment” or “Full Auto Recovery Insurance” ... tricky buggars!

[@josephcormier7457]

Last three Toyota vehicles I owned I added in the 6 yr/ 72k mi ToyoGuard warranty, paint protection and tire plan. All three cars were owned and then sold under the 72k mile reading. On all three cars, I never paid for service visits (except wear and tear like wipers) I had several tires replaced at no charge and the paint always resisted bugs and nicks. I wouldn’t do anything differently.

[@chuckschillingvideos]

Ummmm....you should never buy ANYTHING in the finance office. Your purchase decision is already complete before you set foot in that office.

[@SladeStone50]

Warranty = Vital, just negotiate it down to $1000

[@SladeStone50]

steveo314 10 year warranty for $1100 is the best.

[@darleneroberts4322]

@@SladeStone50 Steveo314 is correct. I made the mistake of paying $4800 on an extended warranty for my brand new Jeep three and half years ago. I learned by the factory warranties will cover just the same. Buy one AFTER the factory warranties are expired. My credit union offers three levels of extended warranties much cheaper with the same coverage at the top level.

[@SladeStone50]

Darlene Roberts you overpaid homie

[@gnd111]

@@SladeStone50 ...umm no..because they are not factory and almost never cover anything they lead you to believe they will...facts

[@happyhippo4664]

I just bought a 2022 RAM. After settling on the price (which was relatively easy because I am a Stellantis employee), the final paperwork before I agreed to get the vehicle had a $2000 charge for a paint protection program. I told them I didn't want it. They said all their vehicles have it. Since the truck was just coming in to them, I told them not to apply the product and if they do, I don't want the truck. They finally agreed. Later, I called my company's vehicle operations department. They told me it was a violation of the employee purchase program to force customers to have an add-on product. The bottom line is, you have to be willing to walk away from the deal.

[@rickmcdowell9550]

Do not buy this dealer accessory -- "mud flaps"--. A bit of humor is always appreciated.

[@billjordan8922]

A good finance guy is not afraid to tell you exactly how much each item you are adding cost you. I personally write it out every time a customer asks me that question. Have the finance person write the total of each product right next to their presentation to you. Then divide that number by the total months you are financing and there you go. typically that will give you an idea of what it is adding to your total payment.

[@chuckcts-v3460]

"Gap Insurance". Does that pay if you get "Gapped" @ 0200 on the freeway racing? I'm confused.

[@thein1990]

It's if you total your vehicle and the insurance doesn't cover the amount of the loan left on the vehicle! Then it's covered

[@corinnemaynard2824]

Just bought a car today. They didn't try any of these. And the only fee they charged was a 299 service fee along with tax and title fees. I was surprised they didn't add a bunch and I mentioned it. And all the other fees I've had dealers try to charge me..like 700 for using a certian bank..no. and they OFFERED gap and a warranty rather than sneaking in the loan and not telling me until signing. All around, I'd buy from them again.

[@michaelchristenbury552]

One of my local dealerships charges an additional charge for window tint that is already installed by the factory and part of a package that is already on the car!

Michael Christenbury are the front windows tinted in this package?

[@michaelchristenbury552]

Jay K No just from the rear passenger windows back.

[@ordinaryJeff]

I never have bought a new car. If I ever do, I'll have to binge watch these videos and take a lot of notes. My main daily is 33 years old and starting to struggle.

[@darronchristopher9949]

We need more sales guys out there like you.

[@julioj.sequeira8558]

I bought a car last year, pre-COVID, the finance guy messed up...I had a bad feeling...about a month later I got a letter with a interest rate adjustment...needless to say I never went back there again for another car. Went to a different dealer and it was easy! No Bs....the finance guy didn’t hide prices saying that he didn’t know the prices until I agree, like the other guy. 6 hours vs 3 hours...

[@dmoney141414]

Great video! I declined GAP insurance, they offered it to me for $2,700 - way tooooo high. What’s your thoughts on electronic rust proofing?

[@closg9309]

wow 2700!! Never seen any GAP that high. Ive always seen them at 500-700 max

[@sawyer4981]

Pro tip, if you want branded accessories, go to the dealer ahead of time & get quotes on pricing. Say "hey, I have a & want to have installed. What's that going to run me"? When you're in the finance office purchasing said vehicles, ask for those accessories and how much that adds to the sale price. You now have some pretty good ammo to get it for even cheaper than the parts dept would have installed it for any other customer. :)

[@deanosborn3464]

Notice the guy in the background when he just started talking about #3.

[@HypocriticYT]

Years ago a dealership tried selling me electronic rust prevention. Began at $2k, quickly dropping to $1k and then $500. I googled it and for $99 you can have one delivered. Paint protection? Clear cost does that just fine

[@Michael_Livingstone]

I love the 3M Rock Guard paint protection film because where I live (Alberta) it's so cold in the winter that salt doesn't do much so we use a light gravel pickle mix so it protects the front end from being beaten up by stuff being kicked up.

[@bassmaster4406]

10 percent sales tax? No wonder people leaving California. Here in Carolina it’s 3%. Great informative video. My wife just bought a new Civic and they were trying to add in Nitrogen, pin striping and ceramic “glass protection” which is basically rain X. When I got there all that crap was taken off. I always say the best salesman at the dealership is the FI manager. Thanks to videos like this they didn’t get me!!!

[@matthewdegarmo]

Thanks for the info chevy dude!

[@drwisdom1]

The problem isn't buying extra options. This problem is the dealership modifying cars on arrival. I only buy stock cars and don't buy from those kind of dealers. Don't finance at the dealership unless the manufacturer is offering an incentive of a low interest rate.

[@nokoolaid]

If it gets stolen, why would I want it back?

[@sidharthchand8072]

Not if it’s a Chevy

[@nokoolaid]

@@sidharthchand8072 Especially if it's a chevy.

[@MountainDewComacho494]

I did buy LoJack with a Minivan about 15 years ago. I actually had my minivan stolen. It was recovered within an hour. Yes it was expensive but it was worth it.

[@ur2fat2weardat28]

I’m usually fine until I have to sit at the screen below the glass. Chevy dealer in Jan had 7-8k at closing they wanted to sell. “If you customize your new Chevy you void your warranty. “ my favorite line in all my years of automobile purchases. 🤔

[@clyderhoads]

In MO, sales tax is a double-edged sword.... we don’t pay tax at the dealership. We have 30 days to pay at the DMV/DOR. That said, my down payment was a down payment and not a payment towards TT&L. That said, I see a lot of vehicles running around St Louis with expired temp tags because they still owe the state 7-1/2% (average) before they can register it. F&I managers don’t tell the customer the amount the DOR needs for sales tax unless you explicitly ask them to calculate it.

[@BobThe9534]

hi Mike. nice vid. liked b4 watching b/c I knew it was going to be good

[@HydraulicDesign]

Up here they try to sell buyers electronic anti-rust devices, which only work on boats that are immersed in water, and if they were actually doing anything would draw a noticeable amount of power.

[@Jose69JDM1]

QUICK QUESTION HOW IS IT THAT YOU ARE STILL EMPLOYED BY THAT DEALERSHIP GIVING OUT ALL OF THIS TIPS TO CONSUMERS?????

[@Jose69JDM1]

@@MuscleMindConnect he is giving away all the dirty secrets dealership use to scam people

[@MuscleMindConnect]

@@Jose69JDM1 Thanks for explaining.

[@jeffreyjones5292]

@@MuscleMindConnect Hahahaaaa!!!

[@brentvance3958]

Jeff Wyler auto mall in Cincinnati Ohio is the worst dealership for all the extra stuff that you were just talking about. My son was trying to get a Mazda 3 there with a few options and they had a payment of $512 on a $23k car with a 835 credit score. $699 for flashing break light, $899 for covid cleaning, $899 for paint protection. It wasn’t even to car he really wanted because the one they tried to sell him was base with zero options. I showed up and pulled out my phone with Chevy dudes videos and the salesman was dumbfounded. We didn’t give him the option to back out of the extras we just left. Went to another Mazda dealership and told them about it and they said we get a lot of there ex-customers. In the end my son got the car with the options he wanted for $279 a month.

[@paugie40]

Your making a lot of friends in the car business😂

[@mikebastoni4490]

Only thing I normally get is gap insurance it saved me a couple of times

[@pyropaulsachse]

Please, more of content like this, less corvette

[@HypocriticYT]

The guy that sells extended warranties is the highest paid person in the dealership not including owner. They make more $$ selling ad ons than the vehicles profit margin. Hammer out the sale price first before add ons. Then you can accept or deny warranties and add ons

[@abusubhi311]

Shoppers : vote you best car salesman Car salesmen: voted most hated.

[@bludragontruck9743]

Your Honesty has me SOLD!!

[@gencfilo2203]

Is your boss ok with all this knowledge we learned from you?How they make money 😅😅

[@flycatchful]

I purchased a used car warranty that the dealership verbally told me it covered everything. Made the mistake of believing him only to find out it didn't. Went back to the dealership and they upgraded the warranty for full coverage at no additional charge.