The final price of the car itself is separate of any options/extras such as those you mentioned. If the sales contract does not include any of the items you described, then count on the cost being extra. If the dealer tell you it's included for free, make them add the items onto the sales contract just to be safe. if the car is brand new, it should come standard with a manufacturers warranty included in the price. This is different than an extended warranty which picks up where the manufacturers ends in most cases. Extended warranties are a waste of money in most cases. It's cheaper just to take good care of the car. See: http://www.answerbag.com/q_view.php/340 As for the other 2 items, give the manufacturer a jingle or visit their website and ask if these things are already taken care of at the factory. Gloss finish? Anti-rust protection? They should be! Of course the salesperson wants you to buy more since most work on commission and/or receive bonuses for selling items that are extras. Hope this helps!

I would refuse the extended warranty unless my credit was marginal and the bank required me to have it extended for the life of the loan. Extras like additional rust protection and paint sealant (gloss coating) are unnecessary. Its a rip-off and nothing more than a way for the salesman to get a higher commission. They always offer it at a critical point in the buying process- right before you sign the dotted line. They play on your emotions as well as your need for peace of mind. With all of the modern manufacturing processes and quality control procedures, if I have to buy additional assurance that the product will perform and endure as expected, then it makes me wonder if I am buying an inferior product. I even asked the salesman why I need additional protection for something that you want me to believe is a good product. The paint protection and rust proofing chemicals are no different from products that you can buy in your local auto parts store for less than $15. Even if you want it directly from the dealer, go back to the service department on another day and pay cash for it.

Most cars these days have adequate rust protection. Gloss finish is really up to the owner. Extended warranty can be deceiving. Firstly: the main rust protection you will want is underbody, but most cars have good enough rust protection. You don't really need the fancy whizbang stuff unless you live in snowy areas where they use salt on the roads, or if you live in a salty environment like the coast. Even then, I'd go to a professional rust-proofer and get it done properly. Gloss finish is really nothing more than a spray on polish. If you keep your car polished and looked after, then it is of no real benefit. Now, as for the extended warranty: anything that comes from the dealer is pointless. Most dealer extended warranty is backed by a finance or insurance company, and is only good at the dealership you bought the car from. Not only that, but for the dealer extended warranty to be valid, often you must have all of your services done at that dealership, even during the manufacturer's warranty perios... does that paint a clear picture for you? Lots of your $$$$$$$$$, all going to the dealership, and their warranty doesn't even start until the manufacturer's warranty runs out. If you get your vehicle serviced elsewhere, the warranty is voided - no money back. If the car breaks down elsewhere, you have to get it towed back to the original dealership for warranty - nowhere else will honour it. Now, if the manufacturer offers extended warranty, that's different. This is a genuine time extention to the original manufacturer's warranty. That means nothing changes from the initial period. Some dealers offer a manufacturer's warranty extension, but check to make sure it is a true one and not just another finance company-backed one. If the dealer doesn't offer manufacturer extended warranty, ring the manufacturer and see if they do. Yes, it may cost you, but I believe that this would be worth it. Obviously as the car gets older, things are going to wear out, and you may find premature failures even then. For the sake of customer service, the manufacturers are usually very good with their warranties. After all, it's not the dealer's reputation that gets shot when something like the aforementioned Volvo problem happens, is it? No. It's the manufacturer that cops the flak. They don't like that. In my personal experience, I would not purchase any aftermarket cosmetic stuff like gloss finish from the dealer. If you must have rust protection, get it done yourself from a proper rust-proofer... it will save you heaps of money. As for warranty, I'd pay extra for a genuine extension to the manufacturer's warranty, but avoid dealer warranties at all costs. They're loaded with loopholes, and aren't worth the paper they're written on...

As I commented to another responder, rust protection and gloss finish is usually a waste of money. In fact, most manufacturers will VOID their factory corrosion warranty if you buy aftermarket rust protection, EVEN IF you're buying it from the dealer you bought your car from. Check the fine print of your warranty to make sure. Don't take the dealer's word for it. They will make a commission off of the service and may not care (or even know) if it voids your factory warranty. As for extended warranties, it's like buying insurance. Great if you use them, bad if you don't. So, there's no good answer to it. HOWEVER, if you feel more comfortable with one, then it may be worth the xtra money for peace of mind. HOWEVER, before you sign on the dotted line, do a little research. You can often buy GENUINE Factory Extended Warranties from authorized vendors (or factory direct) at a substantial savings over what the dealership is offering. Again, these are GENUINE factory warranties, not 3rd party plans. This may be true even on a leased or used vehicle as long as the original warranty hasn't expired (although buying one when the car is brand new will usually be cheaper) So, look into that possibility as well before you sign on the dotted line. Dealers make money on everything, don't let them kid you.

Once you agree to purchase a car, you are given a choice of addidional services which you can either accept or decline. I always go for the clear coat finish and the extended warranty. It's usually cheaper at the time of purchase, plus, you can included it in the financed amount.