Credit Life and Disability Insurance does not have to be purchased through the dealer. If required, shop around for the best deal. Try not to buy a car on the first trip to the dealer. Most deals will still be available in a few days. If you want an extended warranty, find out if the dealer will honor the extended warranty if the warranty company goes out of business.
Most dealers make their profits on trade-ins, warranty and insurance sales, and favorable financing.
Pay attention to those prices as closely as you do the final sales price. The Buyers Guide discloses any warranties with the car. If possible, have a mechanic inspect the car before you buy. You assume all risks. If the car breaks down the next day, the dealer has no responsibility to fix it.