What are dealer add-ons like paint protection and should I buy them?

Dealer add-ons like paint protection, fabric guard, wheel and tire packages, and extended warranties are optional products dealers sell at the time of purchase—they're not required to get financed. The markup on these items is typically very high, often 200-400% above cost, which is how dealers profit from them. Paint protection specifically usually costs $500-$2,000 at a dealership but the actual product (ceramic coating or sealant) often costs $100-$300 to apply. You can get the same service independently for a fraction of the price, or skip it entirely if you're comfortable with regular washing and waxing. The real issue is that add-ons get rolled into your loan amount, meaning you pay interest on them for the full loan term. A $1,000 paint protection package financed over 60 months at 8% interest actually costs you around $1,220 total. Many buyers don't realize they've agreed to these until they see the final paperwork, because dealers bundle them into the monthly payment conversation rather than listing them separately. If you want paint protection, ceramic coating, or tire coverage, get quotes from independent detailers or tire shops before you buy the car. You'll almost always save money, and you have more control over the quality and timing. When you work with Elite Edge, we shop dealer inventory and lenders for you, and we can help you understand what's actually included in your offer before you commit—no surprise add-ons rolled into your payment. Call or text (954) 907-2386 to discuss your situation.

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