Many of us depend on our cars — for work, errands, shuttling kids, and visiting loved ones. Maybe we love the freedom and convenience cars give us — but many of us find the car-buying process frustrating because of sales and financing practices.

Yesterday, The Federal Trade Commission released two reports highlighting some of the challenges people face while buying and financing cars — especially when it comes to charges for add-on items after price negotiations, which can lead people to pay more than expected.

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