Planning to buy a Fronx Sigma. Need advise on Accesories and Insurance.

I am planning to get the Fronx Sigma Petrol variant from a nearby Nexa showroom.

The car ex-showroom price is 6,84,900.

The car dealer quoted the on-road price at 8,11,360.

This includes Insurance costing 41,157 (1+3) that is Zero-Dep, third party and other covers he was yapping about which I don't remember.

RTO (Delhi) = 52,774.

Accessories (Infotainment+4 speakers, 3d floor mat, Mud flap, Reverse camera) = 29,129.

Hypothecation = 1500.

Fasttag = 800

Chasis no itching = 1100.

Ex-showroom price = 6,84,900

On-road price = 8,11,360

Guys, since this is my first car, I don't have much idea about all these. I am not sure whether this is a good quotation or not.

I don't know if I should get accessories from dealership or go for the aftermarket modification/additions? whether the insurance pricing is fair or not? Is this ex-showroom price valid?

Should I negotiate for discount in ex showroom price and Accesories?

Please help me. Thank you in advance.