Originally Posted by CLL_OBP
This isn't third party, it's a Subaru service contract at a Subaru dealership.
So? We don't all pay the exact same price for our Subaru cars. Why should we all pay the same price for a service contract (at least those who decide to buy one)?
Guys, a dealership is a business. A business is in business to make money. It's up to the customer to know what he is willing to pay, to be educated, and to have some negotiation skills (which requires patience). Without this knowledge and skill, the customer can and usually will be taken advantage of. Let the buyer beware!
Even when you buy from a dealer with a "no dicker sticker price" policy like I did, there are still plenty of opportunities for the dealership to negotiate and increase their profits, such as the trade-in price of your car, the APR of your loan, an extended maintenance contract, rustproofing/fabric/paint protection package, and so on. You have to be strong and disciplined to keep the dealership from taking you for a ride!
If you're going to be at the dealership at closing time, flustered because your wife is giving you a hard time, and you have the mindset that "I'm not leaving here without having closed a deal", well, don't be surprised to find that you got screwed in as many different orifices as the salesperson could find. That's no way to negotiate a good deal.