Once you reach the finance office, you could be offered options like extended warranties or sealants or different types of insurance.
Generally speaking, they really aren’t necessary, Guthridge said.
“All it does in increase your payment,” he said.
However, one option typically offered could be worthwhile if you don’t already have it: gap insurance. If you total your new car, it will cover the difference between what your vehicle is worth and what you owe on it.
Standard auto insurance typically only covers your car’s value, not the balance on your loan. Because new vehicles lose some of their value right after they’re sold, gap insurance can come in handy if your car is totaled and you owe more than its value.
“If you don’t have equity in the car, this can be worth it,” Guthridge said.
Be aware, though, you might pay more for it at the dealer than you would elsewhere.