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Are extended warranties and GAP insurance junk fees?

Not exactly. They're optional products (you can decline them), but dealers mark them up 100-300%. If you want GAP insurance, buy it from your auto insurance company ($3-5/month) instead of the dealer ($600-$900 upfront). Extended warranties: most people don't need them, but if you want one, negotiate the price (they'll drop $500-$1,000 if you push). See our vehicle protection plans.

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