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Hi. I am unsure how thing operate in your neck of the woods to comment on cost and negotiations.

In regards to whether the extended warranty is worth it really depends how long you are keeping the car. I believe any car should show its manufacturer defects throughout the first three years for them to be repaired under warranty, and all going well you should have a good few years of trouble free motoring. After which the things going wrong would be wear and tear and not covered under warranty anyway.

This thought process only works of course providing you didn't buy a lemon. Which if that was the case you would probably get rid of it before the three years were up anyway.
 
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