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Shop around for an extended warranty
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Although buying an extended service contract at the same time you buy your car can mean rolling this cost into your monthly car payment (instead of a lump sum), the warranty does not necessarily need to be purchased at this time. You can often buy an extended service plan before your original factory warranty runs out, and sometimes this will save you money. Shopping separately for this warranty will allow you to compare exact prices at different dealerships (rather than trying to figure out how much of your total car purchase is for the warranty), and allows you the chance to compare against manufacturers’ own websites, too.