AUTOMOTIVE AMIGO. j o n e l t o n h e a d
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3 AUTOMOTIVE AMIGO j o n e l t o n h e a d
4 Automotive Amigo 2013, jon eltonhead, and its affiliates and assigns and licensors. All rights reserved. Automotive Amigo is a trademark of Jon Eltonhead and is used under License. Where we instantly makes you a better negotiator. is a Trademark of Jon Eltonhead. The world s first consumer friendly pricing and purchasing strategy guide and overview to the products offered in an automobile dealership s finance department. is a trademark of Jon Eltonhead Trademarks may be registered in some jurisdictions. All other trademarks are the property of their respective owners. No claim to copyright is made for original U.S. Government Works.
5 No portion of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means- electronic, mechanical,photocopy, recording,scanning or other without the permission of its author.
6 Dedicated to my mother Loretta, This book wouldn t have been possible without your love and support. God couldn t have provided me with a better mother. Simply put, you re the best human being I ve ever met. Support your local charity 15% of all royalties are donated to St. Jude Children s Hospital.
7 Legal Disclaimer This publication contains the opinions and ideas of its author and his team of consultants. It is intended to provide helpful and informative material on the subjects addressed. The strategies outlined in this book many not be suitable for every individual and are not guaranteed or warranted to produce any particular result. The book is sold with the understanding that neither the author nor the publisher is engaged in rendering legal, financial, accounting, or other professional advice or services. The reader should consult a competent professional before adopting any of the suggestions in this book or drawing inferences from it. Although the author, his team of consultants, and the publisher have made every effort to ensure that the information in this book is correct at press time, the author, his team of consultants, and the publisher do not assume and hereby disclaim any liability to any party for any loss, damage or disruption caused by errors or omissions, whether such errors or omissions result from negligence, accident or any other cause.
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9 TABLE OF CONTENTS Section 1 Preface & Introduction 1 Section 2 GAP Insurance 11 Section 3 Interior/Exterior Appearance Protection 15 Section 4 Etching (Theft Protection) 19 Section 5 Lease Wear and Tear 23 Section 6 Key Replacement 27 Section 7 Credit Life & Accident and Health Insurance 31 Section 8 Paintless Dent Repair 35 Section 9 Windshield Protection 39 Section 10 Road Hazard Tire and Wheel Protection 43 Section 11 Bundle Packages 49 Section 12 Finance Reserve (Interest Rates) 51 Section 13 Pre-Paid Maintenance 55 Section 14 VSP Overview 63 Section 15 VSP for New Vehicles 71 Section 16 VSP for Certified Pre-Owned Vehicles 77 Section 17 VSP for Used Vehicles 87 Section 18 VSP for High-Mileage Used Cars (Over 100,000 miles on the odometer) 97 Section 19 Vehicle Service Plan (VSP) Money-Back Guarantee 105
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11 SECTION 1: PREFACE & INTRODUCTION Preface Have you ever wondered how a car dealership REALLY makes their money? The next time you watch or listen to a car dealership ad, pay close attention to what they re saying. Dealerships will often advertise they re selling their used vehicles below book value. In addition to this, they ll often claim they re selling their new vehicles below invoice, or at employee pricing. They might even say things like, We re going to discount the MSRP up to $ 10,000 off! The question is...if they re selling their vehicles below invoice and below book value, how are they making any money? THEIR FINANCE DEPARTMENT. As just one example,according to their 2012 public annual report, AutoNation which owns 266 out of the over 60,000 dealerships in the United States (which includes independent dealerships) generated over 571 million dollars in revenue and gross profit from JUST their finance department. Broken down,this equated to $1273 gross profit per vehicle. (Per customer). According to a report from Manheim there were over 55 million vehicles sold in the United States for the 2012 calendar year. While there are dealerships that produce less profit than what AutoNation averages per vehicle,there are also dealerships that generate significantly more profit from their finance department s on a per vehicle basis.(per customer) than that of what AutoNation averages on a per vehicle basis. Again this money we are referring to is JUST generated from their finance department. These numbers DON T include profit from the actual sale of the new or used car. Also they don t include profits from a dealerships service, parts or body shop. 1
12 If you were to use AutoNation s $1273 profit per vehicle and multiplied that by the 55 million cars that were sold in the United States in 2012 that number would come out to a STAGGERING 70 BILLION DOLLARS WORTH OF GROSS PROFIT GENERATED JUST FROM DEALERSHIP S FINANCE DEPARTMENTS! Hi! I m Jon Eltonhead, the former finance director for the National Dealer of the Year. Today my team and I would like to introduce you to the first book of its kind. Automotive Amigo Here, you ll find detailed, comprehensive, and consumer-friendly pricing guide information for 17+ products that are offered in a dealership s finance department. This includes items such as a Vehicle Service Plan (aka the extended warranty), GAP insurance, and maintenance plans. Our goal is to provide you with expert advice, knowledge, and information that will help you make educated decisions in your car buying process. We ll help you navigate the often complicated and confusing path of a dealership s finance department. Our mission is to serve you with integrity, compassion, and sincerity. We want to guide you to the decisions that are in YOUR best interest. This powerful information has the potential to save you hundreds, perhaps thousands of dollars on your next car purchase. To find out more about how these products can help save you time and money, please visit us at: automotiveamigo.com Introduction Thanks for purchasing this book! Automotive Amigo will give you a detailed description of the products that are offered in the finance department. Each section will tell you: 2
13 s What the product is. s A detailed product description. s When you can purchase the product. s Why you might need the product. s Product purchase pros and cons. s Where you can you buy it from. s How much to pay for these products. In addition, we will provide some final thoughts and a bottom line for each product. But to start... Did you know that all products in the finance office are NEGOTIABLE? Fact: Almost all finance managers are paid on commission, so they profit more based on how many products they sell. Because of this, it s in their best interest to sell products at a discounted rate rather than not sell them at all. This is very important information to know when dealing with a finance manager. FYI: At some dealerships, finance managers are also called business manag- ers, finance directors, or financial consultants. There can be A LOT of fine print, exclusions, and terms and conditions on these policies, so always read over the contracts carefully and don t rely on any verbal promises. Some of these policies can be over TEN pages long, so it s important to take your time reviewing them. Keep in mind that you DON T HAVE TO BUY ANY OF THESE PRODUCTS. THEY ARE ALL OPTIONAL! You, as the consumer, have the final say if you want to buy the product. If you do purchase any of these products, we recommend purchasing prod- ucts that are CANCELLABLE AND TRANSFERABLE. This information will be 3
14 located on the product contract. Again, don t rely on any verbal promises about whether they re cancellable or transferable. If a product is transferable, you can transfer the product over to another customer if you privately sell your vehicle (which can often help you sell your vehicle quicker and possibly for more money). Also look for products that are cancellable. For example, if you bought a 4 year, 48,000 mile vehicle service plan and only kept it for 2 years and 24,000 miles, you would get back 50% of what you paid for it. If it s not cancellable, then you wouldn t receive any money back. Also, it s your responsibility to contact the dealership where you originally purchased your car from to cancel the policy. If you don t do this, it s possible you won t receive any money back. The dealership or insurance company typically is not going to contact you! You will need to provide the dealership with an odometer statement and a buyer s order from the dealership you traded it in from, and they will have you sign a cancellation form at that time. You will want to allow up to 8 weeks to get your pro-rated portion back. Sometimes this money will be subtracted from your payoff on your loan. Other times, you will receive a check back from the dealership or warranty/insurance company if your vehicle is paid for. If you trade in your car at the same dealership you bought your car from, you would still want to sign a cancellation form and allow the same 8 weeks to receive your money back. This book contains the most popular products offered in the finance depart- ment. While they don t represent ALL of them, they do represent most of them. 4
15 Some of the items that might be offered but aren t listed here would include alarms, gps tracking devices, and other accessories such as bed liners, running boards, and clear bras, just to name a few. The most important thing to keep in mind is that they ALL can be negotiated and you usually can purchase these items at the dealership or through a 3 rd -party company online. If the dealership has the best price, we see no reason why you shouldn t purchase these items through them. However, if not, then you should consider buying these products elsewhere (assuming you want to purchase the products to begin with). Most dealerships usually only choose 6 products to sell you out of the 15 or so that are available. Once the dealership has chosen these, they will then put them on a menu. Standard dealership menus usually have a VSP (extended warranty), GAP insurance, and maintenance plans. The next 3 products on the menu will vary depending on the dealership. When you re in the finance department, the finance manager will present this menu to you. It typically has 5 different packages. The top-of-the-line package has all the products, and then each sub-package will take out an item until they get to just one or two items left. Sometimes after a finance manager presents the menu, products, and packages to you, they might say Which package or option works best for you? When they word it this way, it sounds like you HAVE TO CHOOSE A PACKAGE OR PRODUCT. This is simply just not the case. Remember ALL these products are optional. The dealership can t force you to buy them, nor can the bank or credit union that your loan is approved through require you to purchase any of these products as a stipulation to get your loan approved! If you re at the dealership and shopping for a car, ask for a copy of the menu from the finance office. Just a voided one will do. That way you can have this information in front of you to look over. If you don t buy a car that day, you 5
16 can take the menu home and/or review it before you go into the finance office to sign the documents. This gives you enough time to review the products a particular dealership is offering you. Also, if you are shopping for a car by phone or via the internet, ask your salesperson or finance manager to get you a copy of the menu and send it to you via fax, , text, or regular mail. Even if they are reluctant, just ask the sales person or finance manager what products are being sold in finance. Ultimately it would make sense for them to provide this information. The sales person and finance manager work on commission. If they make things difficult for you, you can easily choose to not do business with them. After you ve agreed on the price of the car and are heading into the finance office, you ll be presented with these products to purchase. If you decide you need a little extra time to think them over, ask the finance manager to hold the loan contract/buyer s order for a few days. The finance manager shouldn t have a problem with this. If they start to tell you why they can t do this, these are often excuses, not real reasons. The only exception to this that we can think of is if you re buying the vehicle on the last day of the month. Many dealerships close out their month the next day, so they would not be able to hold a financial contract that would go to a bank or credit union. Some of the products here are listed by their generic names. Maintenance plans might be called customer care plans. Vehicle service plans might be called mechanical breakdown coverage. Interior and exterior plans might be called environmental packages. For example, if a policy is going to repair you vehicle in the event of a breakdown regardless, whether it s called a mechanical breakdown coverage or vehicle service plan, the essence of the product is the same. Usually it s just a particular insurance company trying to spruce up the name for marketing purposes. Always look at the meat and potatoes of the product. A dealership could say things like, My product is different because it add things 6
17 like rental car and towing reimbursement, so you should pay more for the policy. While these extras are nice, remember why you re consid- ering the buying the product in the first place. For example: If it s a paintless dent repair product, the main reason you re considering purchasing it is because it gets rid of dents. Not because it comes with towing or rental car reimbursement. A NOTE ABOUT PROFIT: The dealership is a business and is entitled to a fair profit. Of course, the dealership might have a very different view on what a fair profit should be compared to you or us. Many people don t mind spending money, BUT they don t want to be taken advantage of. People want and should be able to have 100% dealership transparency. Not 50% or 75%, but 100%! People shouldn t have to ASK the right questions in order for the dealership to be forthcoming with the answers (both good and bad) that can help customers make decisions that are in their best interest. A NOTE ABOUT PRICING: When it comes to pricing, we often say, Prices can range up to $, but could be potentially higher or lower depending on the dealership. The price of a product/policy not only varies from dealership to deal- ership but also from customer to customer inside the very same dealership. For example: A customer could walk into a dealership and buy a 5 year paintless dent repair policy for $500, and then the very next customer could buy the same paintless dent repair policy for $250. Why? Just like when you buy a new car or used car from the dealership, it s unlikely that people will pay the same amount for the exact same 7
18 vehicle. When products are negotiable, you tend to have variances in what people pay for them. Some companies also have caps on how much profit they want their finance managers to make on a particular product. One auto group might not allow a finance manager to more than $1,500 profit on a vehicle service plan. Another auto group might tell the finance manager to sell the products for the highest profit they can obtain. The prices we recommend are simply a guide. As with any guide, they are designed to provide you with an idea of what to pay for these products. In the end, though, you and the dealership both have a say on whether you purchase a product at all and ultimately how much you pay for it. Think of it like this: When you go to buy a used car, everyone looks up the value of the vehicle they are interested in. That used car value is simply a guide that allows the customer and dealership to price the car accordingly. If a used 2013 Honda Accord has a book value of $22,000, you have the option to offer the dealership $22,000...but the dealership isn t obligated to sell you the car for the book value of $22,000. They could actually price it for more or less, if they so desired. The book value is just a guide.. Conclusion: We hope that this book provides you with a plethora of well- informed data to help you with your car buying process. We take great pride in providing this information to you with NO HIDDEN AGENDAS. We hope that we ve provided you expert analysis to help you make decisions that are in your best interest. Ultimately, the decision to buy 8
19 these products or not will come down to you and your own unique situation. My team and I wish you the best of the luck! Sincerely, Jon Eltonhead 9
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21 SECTION 2: GAP INSURANCE (GUARANTEED ASSET PROTECTION) What is it? If your vehicle is in an accident and declared a total loss by your insurance company, or if your vehicle is stolen and cannot be recovered within 30 days and you owe more on your vehicle than what it was valued by your insurance company, a GAP insurance/waiver will pay that difference (aka negative equity) for you. For example, if your vehicle is totaled or stolen and you owe $30,000 on your car, but your insurance company values the vehicle at $25,000, you would be responsible to pay that $5,000 difference (negative equity) to the lender financing the car. If you don t have GAP insurance, you re responsible to pay this negative equity out of pocket. If you do have GAP insurance, it will pay the negative equity for you. Who needs it? If you re paying cash for the vehicle, GAP insurance does NOT apply. Sometimes there s confusion about this. If you don t have a lien or loan against the vehicle, GAP is not available because you can t have any negative equity on a vehicle that has no outstanding liens against it (zero balance). If you re leasing a vehicle, it s almost always included in the lease free of charge. There s a few lease companies that don t include it for free. Read the back of the lease contract to see if it s included (it will be under GAP waiver on the back of the lease contract). If it isn t included in the lease, you will have the option to purchase it. If you re financing a vehicle and you re financing less than 70% of the invoice or Kelly Blue Book (KBB) WHOLESALE value, you typically don t need GAP insurance because your vehicle will probably always be worth more than what you owe on it. 11
22 Where can I purchase it? The most common place to obtain it from is the dealership. Almost 100% of dealerships are going to offer this product. Keep in mind that you can only buy it from the dealership if you are actually financing the vehicle there. If you ve acquired a loan and have signed the loan documents outside the dealership, then the dealership CANNOT offer you GAP insurance. You might also obtain it from your insurance company, but not all insurance companies offer it. Check with your in-state insurance company to see if this product is available. If they do offer it, the coverage is often inferior to what the dealership can offer you. Lastly, there are 3 rd -party companies online that you can purchase GAP insur- ance from. When can I obtain it? If you re purchasing it at the dealership, your bank, or credit union, it almost always has to be bought at the time of sale. If you re purchasing it through a 3 rd -party or your insurance company, typi- cally you can purchase it anytime, provided you meet the terms and condi- tions of these companies. How much should I pay for it? Prices can range up to $800, but can be higher or lower, depending on the dealership. GAP insurance prices are broken down by the loan terms. Listed below is what we would recommend paying for GAP insurance policies at a dealership based off the following terms: If you are financing the vehicle for less than 60 months, we recommend pay- ing no more than $ months, no more than $
23 73 months and longer, no more than $400. Bottom line: In today s world, where vehicle prices keep increasing and loan terms keep lengthening, more and more people are putting less money down on their car loans. Doing this, though, creates larger negative equity. You should highly consider this product. Why? Because a lot of people are under the impression that their car insurance will pay off any amount of money owed on the car if it s stolen or totaled. That is absolutely NOT TRUE. If you re in an accident and the vehicle is totaled or your vehicle is stolen and cannot be recovered, your insurance company is going to give you the VALUE THAT THEY THINK THE CAR IS WORTH. This can be a very different amount than what you think the value of the vehicle should be. Your insurance company doesn t have control over what you owe on the vehi- cle...only what they think the car is worth. If you have GAP insurance, the policy will pay the difference between what you owe on your car and what the car is valued at by your insurance company. GAP insurance policies usually cover either: A) up to 120% of the MSRP (if new) or 120% of the Nada retail value for used vehicles. B) up to 150% of the MSRP (if new) or 150% of the Nada retail value for used vehicles. Always choose option B if it s available. The price difference is minimal, and the prices listed above are according to option B. 13
24 If only option A is available, take $10 off the premiums listed above. More info: This product is NOT transferable if you buy it at the dealership. You CANNOT transfer it from one car to another, nor can you transfer it to another person if you sell your vehicle privately. It is, however, a cancellable product. If you cancel the policy, the remaining balance will be pro-rated and you will be refunded that amount in the form of a check (or it will be subtracted from the balance of your loan). As with all these products, always read the contract. This is a pretty straight- forward product, but there may be some exclusions and, of course, terms and conditions to the contract as well. Bottom line: In our opinion, no other product offers the value that GAP insur- ance does. While we recommend obtaining it through the dealership when possible, if the dealership is unable to provide you a fair price, you can obtain it through reputable online companies and possibly your own insurance company. Final Thoughts: Insurance companies are still making money on this product or they wouldn t offer it to you, but it s worth the investment. Worst case scenario: If you don t use it, you re out a maximum of what you paid for it. Which should be no more than $399. If you do use it, it could potentially pay off thousands of dollars of negative equity. 14
25 SECTION 3: INTERIOR/EXTERIOR APPEARANCE PROTECTION What is it? First off, recognize that this product is referred to by many different names. Some dealerships call it chemical protection, environmental protection, rust proofing, undercoating, protection packages, paint and fabric and/or appear- ance packages...just to list a few. They are all very similar products, designed to protect the exterior paint and interior fabric or leather of your car. The dealership will apply a paint sealant, rust sealant, undercoat sealant and other protective coatings that are designed to eliminate or prevent damage to your exterior paint and interior fabric, cloth, or leather. Why do you need it? The factory warranty has a limited warranty in regards to the paint and interior protection to your vehicle. By having the dealership apply these sealants to your car, it could POSSIBLY help protect the interior and exterior of your car. Where and when can I purchase it? It usually must be purchased at time of sale from the dealership, or there are some 3 rd -party companies (typically online) that offer the product. If you buy it online, they ll often want to make sure there are no pre-existing conditions on your vehicle. How much does a dealership normally charge? Because this is a limited warranty product and not an insurance product, the dealership is free to TRY and sell it for any amount. 15
26 Some dealerships will offer it in the finance office, while others will put it on the addendum. The addendum is the sticker next to the MSRP on new vehicles that has additional products the dealership has added to their cars (such as this product, etch, nitrogen, etc.). How much should I pay? Prices can range up to $800, but it could potentially be higher or lower depending on the dealership. There are two ways to buy this product. Option A: Just buy the chemicals and have the dealership apply them to your vehicle. Option B: Buy the chemicals and purchase the accompanying warranty. If you go with Option A, look to pay the dealership no more than $49. If you choose Option B, look to pay the dealership no more than $149 for the longest offered warranty (usually 6 years). This product is almost always transferable to the next owner if you sell the vehicle privately, but it is almost always NOT A CANCELLABLE ITEM. We personally don t like the fact that you don t have the ability to cancel the policy and get back your pro-rated portion if you trade or sell your vehicle. That alone makes us want to shy away from this product. We can t claim whether or not these chemicals or sealants actually add any additional protection beyond standard manufacturer applications. We haven t seen any long-term tests results that they can provide to the consumer to prove it one way or the other. If these chemicals and/or sealants do add protection to your car, the chemi- cal/ sealant companies should have LONG-TERM test results that show how 16
27 their products protect above and beyond what the manufacturer provides for free. Bottom line: Many so-called experts will tell you that you can go out and grab some chemicals and wax, and this would be the same thing as what the dealership puts on your car. We think that s a stretch. Typically, the dealership applies an industrial version of what you could put on the car yourself. If you did buy these products over the counter, it would probably cost you $ Just like with the etch product, you are NOT REQUIRED TO PURCHASE THIS PRODUCT IF YOU DON T WANT TO. The dealership might tell you that these chemicals and sealants have already been applied to the vehicle. If, on the purchase order/buyers order, there is pre-printed price of $299 for chemical protection or environmental package and you don t want the product, just have the dealership subtract that $299 from the selling price and/or have them cross through the $299 on the purchase/buyers order. If these chemical/sealants have already been applied to the vehicle you want to buy at the dealership, you shouldn t pay the dealership more than $49, regardless of what kind of chemicals they used. Remember, nobody can force you to purchase the chemicals. If you re not happy with what the dealership is telling you about these products or anything else, and you always have the option to say no and purchase the car elsewhere. In conclusion: Most of the warranties from these chemical companies DO cover some items that the factory warranty doesn t. Read the specific policy that you are thinking about signing to determine exactly what s covered and what s not covered. 17
28 Please note that these contracts typically have A LOT OF TERMS AND CONDITIONS AND EXCLUSIONS. READ THEM OVER VERY CAREFULLY BEFORE YOU MAKE A FINAL DECISION IF YOU WANT TO BUY THIS PRODUCT. 18
29 SECTION 4: ETCHING (THEFT PROTECTION) What is it? This product comes in what essentially amounts to three parts. The first involves stickers or decals that are peeled off and put on your car. They usually read something like Anti-theft warning. These stickers are put on the driver s and passenger s side window. They might go a step further and say something like, This vehicle is traceable by law enforcement. The second part is the actual marking of your vehicle. This marking system involves a unique set of numbers that is registered to your vehicle and goes into a national database. That way, if your vehicle is stolen, law enforcement can search the database and trace these numbers to try and locate your vehicle. The actual marking itself can be done in multiple ways. Some use stickers that, even if peeled off, will leave an ultraviolet code that can be identified via a black light. Some will actually etch the glass of the car windows with this code. Other methods abound. While some technologies might be slightly more advanced than others, they all work similarly in theory. The third portion is the offered warranty. Most companies offer up to a 5 year warranty and a benefit up to $5,000. How this works: If you choose a 5 year, $5,000 benefit, and if your vehicle is stolen within the duration of that 5 year policy and not recovered within 30 days, you would receive a check for $5,000 to use in purchasing another car. Why do you need it? Over a million vehicles are stolen every year in the United States. Having a vehicle stolen can be expensive, time-consuming, and annoying, to say the least. This product is designed to help prevent your vehicle from being stolen. 19
30 Where and when can I get it? This varies, but most dealerships will only offer it at the time of sale. You can also purchase it from a 3 rd -party company online. Usually this can be done anytime. Who needs it? Anybody can have their vehicle stolen at anytime and at any given place. Certain cities and certain makes and models of cars have higher theft rates than others. You can look this information up online to see which makes and models are the most commonly stolen and which cities have the highest theft rate. While these factors shouldn t be the only reasons to possibly buy this product, they might play a factor in your decision-making process. How much should I pay? Because this is a warranty product and not a insurance product, the dealership can sell it for a uncapped amount. Prices often range up to $499, but they could potentially be more or less depending on the dealership. We recommend paying no more than $125 for a 5 year, $5,000 benefit. Bottom line: The dealership might tell you that Etch (theft protection) is already on the vehicle and that you have to pay for it because it s already been applied to the vehicle. YOU ARE NOT REQUIRED TO BUY IT OR PAY FOR IF IT S ALREADY ON THE VEHICLE. For example, if it s pre-printed on the buyer s order for $199, either have them subtract that $199 from the selling price or have them cross through the $199 on the purchase order if you don t want the product. 20
31 It s standard at most dealerships for there to be a pre-printed doc fee, admin fee, or dealer handling fee, but make sure there ISN T a second pre-printed fee for Etch. We repeat: YOU DO NOT HAVE TO PAY FOR ANY ADDITIONAL PRE-PRINTED FEES FOR ANY ADDITIONAL PRODUCTS THAT MIGHT BE OFFERED (such as Etch, nitrogen, paint, fabric, etc.). Nobody can force you to buy the vehicle. If you re unhappy with what the dealership is telling you about these products (or anything else, for that mat- ter), you always have the option to say no and purchase a car elsewhere. If you decide to purchase the warranty on the Etch, we recommend always obtaining the longest term and the largest dollar amount available. Again, that s typically a 5 year, $5,000 policy. Final thoughts: Having anti-theft stickers on your car could possibly help prevent a thief from stealing your car, but having the warranty portion of the product as well can be of extra benefit. Bottom line: You can go online and buy do-it-yourself etch kits for around $20, but most don t come with the warranty. They just come with the stickers and the etching parts. One final thought: If you just want the anti-theft stickers or the etching on the vehicle (excluding the warranty policy), we would pay the dealership no more than $20 to do this. If the dealership wants to charge you more than $20 for just the etching or the anti-theft stickers, you d be better off just getting the stickers or etching through an online company. 21
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