Questions to Ask a Car Dealer

The questions that separate prepared buyers from easy marks — covering price, fees, financing, warranty, and trade-in.

Price and inventory

• What is the out-the-door price in writing, including every fee and add-on?
• How long has this exact vehicle been on your lot?
• Are there factory rebates, loyalty, military or recent-graduate incentives I qualify for?
• Has anything been added at the dealership after it arrived from the factory?

Fees and add-ons

• What is your documentation fee, and is it capped by state law?
• Which add-ons are already installed, and will you remove them or waive the charge?
• Is VIN etching, nitrogen, paint protection or fabric protection optional?

Financing

• What is the buy rate from the lender versus the rate you are quoting me?
• Is there a prepayment penalty on this loan?
• Can I see the payment with and without GAP and the extended service contract?

Trade-in and warranty

• What is my trade worth as a standalone cash offer, separate from the new car price?
• What exactly does the factory warranty cover, and what is the powertrain term?
• For used vehicles: can I see the inspection report and take it to my own mechanic?

Ask these one at a time and write the answers down. A dealer who answers all of them plainly is one you can work with.

Use this alongside the dealer fees explainer, the what-to-bring list and the Color of Our Money Is Green eBook.