ha ha, sadly I'm not on commission, I like to buy my cars with added extras. This is market research.

I got my insurance through Vitality as they offered a free coffee each month and reduced excess for good driving.

O2 give me weekly coffee from my phone contract.

Perhaps I should google loans with free coffee

Insurance is way too subjective because the cost of the premium and level of 'freebies' won't say how good the quality of customer care if you make a claim.

The reason for the 'freebies' are to hook you in as a customer. What you have to do is determine a) whether you'd be buying the 'freebie' anyway if they weren't 'giving it away', b) the quality of that freebie (maybe bad coffee) compared to what you normally buy and c) the total cost to you of buying a product with no 'freebies' and them added on.

The same would go for them for a car loan. Sometimes it will be in your favour, sometimes not. It may be that they can get a decent 'freebie' in bulk at a big discount which will save you money, but other times it's better to buy the products separately because they are cheaper or better products (e.g. the coffee).

I wonder what the AA would say if you asked them whether they'd do a lower interest rate with no freebies?

Comparing should be relatively straight forward in general, using a spreadsheet. Just remember, it's only worth considering freebies if you were going to buy them separately anyway or are really useful but previously out of your budget (i.e. if the overall 'cost' gives the latter a big discount).

A cheaper interest rate policy with no freebies would probably pay for a LOT of coffee, especially if you make it yourself!