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Sorry to raise this from the dead, but I am going through the same thing. Got my '13 BRZ last Monday. They hit me with all the warranties, GAP and other stuff. I had the maintenance and service warranty which was $4525 total, the GAP was $695, originally. They had to fix the loan and my payment went down, but I have less coverage and noticed the GAP went up to $995. I asked him to remove it because I didn't need it and he said "I have to leave it as is because it's the end of the month and this is what the bank wants to keep their assets safe." The guy told me to cancel the GAP in 90 days. I'm calling in to cancel next week.
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