Top 11+ Sneaky Car Dealer Upsells That Are a Waste of Money

car dealers know exactly how to drain your wallet after you’ve already agreed to buy.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Buying a car feels like a victory once you negotiate the price and get approved for financing. But that’s when dealerships pull out their real money-makers—the upsells. They know you’re tired, emotionally invested, and eager to drive off the lot, so they hit you with a rapid-fire list of “extras” that sound protective or convenient. Most people nod along, thinking these add-ons are necessary for peace of mind.

The truth is, many of these upsells are overpriced, unnecessary, or completely useless. Dealers love these extras because they carry huge profit margins and add thousands to your total cost. If you’re not careful, you’ll walk out paying far more than you should, stuck with products that don’t actually add value to your purchase. Here are 11 sneaky car dealer upsells that are usually a total waste of your hard-earned money.

4. VIN etching can easily be done yourself for cheap.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

VIN etching involves engraving your vehicle’s ID number on the windows to deter theft. Dealers charge hundreds for this simple service, often claiming it qualifies you for insurance discounts.

The reality? You can buy a VIN etching kit online for under $30 and do it yourself in an afternoon. Insurance savings are usually minimal, and police departments in some areas even offer free etching events. Don’t pay dealership prices for this minor service.

5. Nitrogen tire fills offer almost no real benefit.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Dealers sometimes promote nitrogen-filled tires as a premium add-on, claiming better fuel efficiency, longer tire life, and more stable tire pressure. While nitrogen does reduce pressure fluctuations slightly, the benefit for most drivers is negligible.

Regular air works just fine for the vast majority of drivers, and you can refill your tires anywhere for free or a couple bucks. Nitrogen fills aren’t harmful—they’re just unnecessary and overpriced.

6. Key protection plans rarely pay off.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Key replacement programs cover lost or damaged key fobs, which can be expensive to replace. But the premiums often add up to far more than the actual cost of replacing a key, especially if you only need one replacement (or none at all) over several years.

Most modern key fobs can be replaced and programmed for far less at independent locksmiths or online, making this upsell a bad deal for most car owners who never lose their keys.

7. Gap insurance at the dealership costs way more than elsewhere.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Gap insurance covers the difference between what your car is worth and what you owe if it’s totaled in an accident. While this coverage can be valuable, buying it through the dealership usually means paying a huge markup.

You can typically get gap insurance far cheaper through your regular auto insurance company or a standalone provider. Shop around before signing any dealership contract that includes this add-on.

8. Anti-theft devices sound high-tech but offer little real protection.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Dealerships love to install aftermarket alarms, GPS trackers, or immobilizers and sell them as must-have security features. But many modern cars already come with excellent built-in security systems that make these add-ons redundant.

Insurance companies often don’t even offer discounts for these dealer-installed devices. If you really want added security, aftermarket systems bought independently cost far less and often have better features.

9. Wheel and tire protection plans are rarely worth the cost.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

These plans cover damage to your wheels and tires caused by potholes, curbs, or road hazards. While that sounds helpful, the odds of needing frequent repairs are slim for most careful drivers.

The cost of these protection plans usually far exceeds what you’d actually pay out of pocket for the occasional tire or wheel repair. Unless you drive in pothole-filled war zones daily, this plan rarely justifies the upfront price.

10. Prepaid maintenance plans tie you to overpriced dealer service.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Prepaid maintenance plans bundle oil changes, inspections, and routine service for a flat fee. But you’re often paying dealership rates that are far higher than independent shops or national service chains.

These plans also lock you into the dealership’s schedule, limiting flexibility. Unless the plan is heavily discounted or includes genuinely valuable extras, it usually makes more sense to handle routine maintenance yourself or shop around for better pricing.

11. Credit insurance adds unnecessary costs to your loan.

4. VIN etching can easily be done yourself for cheap., 5. Nitrogen tire fills offer almost no real benefit., 6. Key protection plans rarely pay off., 7. Gap insurance at the dealership costs way more than elsewhere., 8. Anti-theft devices sound high-tech but offer little real protection., 9. Wheel and tire protection plans are rarely worth the cost., 10. Prepaid maintenance plans tie you to overpriced dealer service., 11. Credit insurance adds unnecessary costs to your loan.

Credit life or disability insurance covers your loan payments if you die or become disabled. While peace of mind sounds nice, these policies are expensive and often duplicate coverage you already have through life or disability insurance elsewhere.

Lenders love pushing these add-ons because they’re pure profit. If you’re concerned about protecting your payments, shop for standalone insurance policies with better terms and lower costs before agreeing to anything the dealership pitches.

Post Related