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CAA does more than just roadside assistance. They lobby in the interest of motorists, which Toyota almost surely doesn't do. I support CAA by keeping my membership with them.
Warranty terms and fees are always determined to be in favour of the entity selling the warranty. Unless the engineers got it wrong and there is a GLARING issue with almost every car built, they will come out ahead, not you. There is almost no way that the extended warranty is worth it.
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