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I've cancelled a couple "extended warranties" purchased through dealers. They can be tedious to actually get them cancelled, need to be persistent and it might take months of "processing" but the actual warranty company/bank will typically write you a prorated check for the remainder. For instance, if you paid $3k up front, but are 40% through it with no claims, then you should see $1800 (remaining 60% back). As mentioned above, not all contracts are the same, but you *should* be able to back out of it.
The only other problem if you've paid for this warranty and rolled it into your car purchase, is that you're likely paying interest on it within the car loan. So, even if you get a cash payment back, you're still paying for that full $3k and its interest because its in the loan. The only way to make a dent in this, is to make a big lump payment on the car, which would reduce the car loan by as much ($1800 example), and reduce the applied monthly interest as well. Ultimately this results in the loan being paid off a little sooner. (Also make sure you don't have early payoff penalties or other BS).
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