The article analyzes the typical schemes of profit-making by car dealerships when they sell new cars, due to affiliation with insurance companies and joint transactions. The nature of the discount promised to the buyer is revealed, provided that the insurance contracts that are economically unprofitable to the buyer are imposed on the buyer at the same time. The mechanism of forcing a potential buyer to conclude unprofitable insurance contracts, the cost of which is overstated in comparison with the existing one for these services in the region, and sanctions for their subsequent termination are considered.