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@major@social.lolIf a car dealer ever tells you that they can lower the interest rate on your loan if you buy one of their add on products, THIS IS ILLEGAL. 
It's called "tied selling" and it still happens often.
If you finance a car through a dealer, demand to see the call sheet so you can see the dealer's buy rate. That's the rate the bank gave them for your loan. They will often mark this up for extra profit.
InvestopediaTied Selling: What it Means, How it Works, ExampleTied selling is the illegal practice of a company providing a product or service on the condition that a customer purchases some other product or service.