Dealer Quote Checker

A 0–100 score for your dealer quote: 100 minus a penalty for how far the quote sits above our computed fair total (verified state road-tax slab + typical insurance + correct TCS + your optional items at quoted value). 90+ means a sahi deal; below 75 means real money is on the table — the flagged lines show exactly where. You can download the score as a shareable card.

Courts and consumer forums have repeatedly held that forced handling or logistics charges over and above the ex-showroom price are an unfair trade practice — they are dealer margin, not a government levy. In practice many dealers still add them, and most will waive or reduce them under pushback rather than lose a sale.

No. Insurance is legally yours to buy from any IRDAI-registered insurer. The dealer's quote is a convenience bundle that's often ₹5,000–20,000 above an equivalent online quote for the same IDV. Compare before you pay — it's the single most negotiable line in the quote.

Tax Collected at Source — exactly 1% of the ex-showroom price, applicable only on cars above ₹10 lakh. It's collected by the dealer, deposited against your PAN, and adjustable against your income-tax liability when you file returns. If your car is under ₹10 lakh and TCS appears on the quote, question it.

Yes — both are optional by definition. Bundled accessory kits are routinely priced above the sum of their parts, and extended warranties can usually be bought separately later. A dealer cannot make either a condition of sale, though allocation pressure on high-demand cars is often used to imply otherwise.

Once you enter your quote's lines, the tool generates a ready-to-say script for each flagged charge — what to ask about inflated road tax, how to decline bundled insurance, and how to get handling charges removed — plus a closing line with your computed fair total. Copy it or share it to WhatsApp, and say it calmly, in order. Don't contest lines that check out as fair; selective pushback is what gets taken seriously.

We compute road tax from each state's published slab structure (percentage of ex-showroom by price band and fuel type), verified against state notifications — the same math behind every on-road price on this site. Minor registration fees vary slightly by RTO, so we allow a small tolerance before flagging a quote.