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Everything being sold by the F&I person is a ripoff. You do know that a substantial amount of dealership profit is now generated by the scare tactics shoveled out while you're signing the paperwork?
I buy a car about once a year and my standard line when being introduced to the F&I person is, "I am not trying to be rude or disrespectful, but in order to save us both a lot of time, my answer is no to everything"
Peace of mind is a very, very expensive commodity.
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