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A car dealer isn't a life insurance agent
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Dealers are always looking for ways to make extra profits, so sometimes they offer services that are not car-related, like life or disability insurance. Although it might seem convenient to purchase this type of coverage at the same time as purchasing your car, it is usually more expensive ($300-500/year more, according to About.com) than if you purchased it separately through an insurance agent. Consider if it is coverage you really want and, if so, call an insurance agent who specializes in this coverage, rather than relying on a car dealer to know what plan is right for you.