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A response to TRACERIT's comment:
What we have here is that there are many young, inexperienced, buyers for this vehicle and dealer finance people try, and in most times successful, to sell dogshit that is not really needed. They get the young buyer into their office with a sales agreement with some "add-ons' already written into the contract and take advantage of all the excitement the buyer has in buying his/her first new car.
I find this type of situation very evident from all the posts in this forum.
BEFORE you buy any of this insurance (dealers don't even call it insurance sometimes), KNOW what your basic auto insurance ALREADY includes. Call your insurance agent right from that dealers phone if you don't know or have questions.
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