Buying New
Buying a brand-new car from a dealership should be simple. But they can add markups (extra charges above the official price), force add-ons (extras you didn't ask for), and play games in the Finance office (the back room where you sign loan paperwork). This Battle Plan helps you keep the deal clean and avoid overpaying.
Last reviewed: May 2026. This is a general educational resource; rules and fees can vary by state, lender, dealer, and vehicle.
The Two Biggest Threats
Market Adjustment (ADM): Extra markup (additional money) added on top of MSRP (the manufacturer's sticker price). It doesn't add equipment or value — it's just profit for the dealer.
Forced Add-ons: Dealer extras like nitrogen-filled tires, "protection packages," and VIN etching (window serial numbers) — high-margin items they claim are "already installed."
The Battle Plan below teaches you how to avoid both. Follow it step by step.
New Car Battle Plan
Don't skip steps. They count on you being lazy.
Phase 1: The War Room
Do this at home. Research is your best weapon against markup.
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Notes: Deal rules and fee limits can vary by state. Always confirm with local DMV or consumer protection guidance.