Buying any kind of warranty from a dealer is plain stupid. Nobody can logically argue against that. Try.
Two things to do if you really think you need this "cheap insurance" as someone mentioned.
Buy the warranty from a Credit Union if you are a member. If you aren't, become a member and get your loan moved over if it's the same or lower interest rate.
If you can't do that, buy the warranty directly from Subaru for the listed price.
I've had extended warranties. Bought a used Town & Country, knew it would need something, it never did, warranty was $480 or so through my CU.
Bought one on my new Celica back in 01 from my CU, after a week figured it was not needed, canceled it, that was my first new car purchase. 75 thousand miles later it was stolen and totaled but never had any issues a warranty would cover. I think that one was around $800.
Didn't buy one on my 06 MegaCab even though it's a Dodge
and actually had a $780 repair done to it 2 days after the factory warranty expired. A few calls to Dodge and they covered it. Since then, a few years now, no issues have come up.
Got a '96 Dodge, just passed 150k, no issues.
Didn't get one with the BRZ or the wifes new stang either.
If you do your research, you'll get a real good idea on what cars
might need one. Toyo and Subi aren't in that list. Sure there are always exceptions, it's a bit like gambling, but you've got
real good odds you won't need one.
Vehicles these days will, as a rule, have failures well before factory warranties wear out. 15-20 years ago this wasn't the case. But I've owned three Chryslers, if those don't need a warranty, nothing Japanese does!
Cancel anything warranty related you got at the dealer, then do one of the two suggestions above. You are obviously young and could use the extra cash on something else.
Oh yeah, NEVER EVER EVER EVER EVER roll taxes, title, add-ons, or anything else into a loan. Ok 0% loans are fine. Unless you like paying double what you
think those items will cost.
Did I mention not to buy anything from a dealer except the damn car?
Edit: Don't buy the warranties you see on TV. That's evil kind of bad right there.