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Hidden Add-Ons


"Packing" is the deceptive practice of misrepresenting monthly payments or total cost of a vehicle to consumers during negotiations in order to sell add-ons such as insurance, warranties, coating, accessories, and other products and services.

Often, dealers will trick consumers into believing that these add-ons are provided "free" with the purchase of the car. In such cases, dealers are failing to disclose the true price of the add-ons and thus preventing the consumer from making a conscious choice to purchase the add-ons. Sometimes, dealers will quote inflated monthly payments to give themselves “legroom” for negotiation. If the parties settle on a price higher than justifiable for the car alone, the dealer will offer “free” add-ons to fill the gap. Because the consumer believes the products are "free" or discounted, most consumers do not object when the products are included in the final contract.

Portland Office

8835 SW Canyon Ln
Ste 130
Portland, OR 97225


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Salem Office

838 Commercial St. NE

Salem, OR 97301

Phone: 503-383-1496    Fax:  503-766-6477


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