Tata Motors — mandatory insurance, fastag and handling fees

Address:

select cars chandanagar, East Godavari, Andhra Pradesh, 502032

I want to buy altroz top end model and decided to buy from chandanagar dealer (Tata motors select). I got following as my quote.
Ex. Showroom : 769000
Insurance : 36510
Life tax : 93930
Hyp fees : 1500
Fastag : 600
Logistics charges : 6500
Essential accessories : 10220
Total : 918260

I want to buy insurance and fastag on my own, but the dealer says it is mandatory to buy from them. I have right to buy insurance and fastag on my own. There is also logistics charges levied on top of ex showroom price which is illegal as ex showroom price includes all the transportation and handling charges. i want to understand why insurance, fastag and logistic charges are mandatory to pay to the dealer? I have huge respect for tata, but i feel it lacks in transparency towards customers. Please address my concern.

Thanks & regards,
Lakshmi narayana
+91-[protected]