Those are called wallet flushes

Ok u/MichaelVonEerie listen to me. Go back and cancel both warranties immediately. They will give you paperwork to fill out. You will want to visibly watch them submit the cancellation in their system. Don’t yell. Don’t raise your voice. Just calmly tell them to cancel both warranties.
Tell them that if they don’t do this, you will contact your states attorney general and file a complaint. At the worst case scenario, the warranties will be refunded to your loan and not you personally. MAKE SURE YOU GET CANCELLATION PAPERWORK BACK FROM THE DEALER VERIFYING IT WAS CANCELLED.

Federal law allows you three days to cancel a contract. I’m guessing your outside of this window? You can also google your states car sale cancellation laws. It may be more.

I’m guessing, and likely correctly, that they also hit you with a higher interest rate than what you actually qualified for. In no more than six months, refinance your loan. This will hit that fuckers commission and you’ll get a lower payment. Win-win!

Now, did you trade in a vehicle, and if so, we’re you upside down on its value? Meaning did you owe more than the trade value and if so, how much? GAP insurance protects you from having to pay the difference between the loan amount and car value should your car get totaled. As an example, if you owe $20k on a loan and your car insurance gives you $14k to cover your car for a total loss, GAP makes up the difference. That being said, $1,500 for GAP is an absolute theft. $3-500 at MOST for a $16,000 car. You can likely call your insurance company and purchase it from them.

I sold Toyotas for a few years and had a guy come in looking at the Sienna minivan which was about $30K at the time. He showed me an ad for a Dodge Caravan which was like $22K. (Sure, different brand than your question, but I’ll get to the point). I kept explaining that the Sienna was designed to go at least 200K miles. His argument back was the Caravan would go 100K. I pointed out that at 100K miles, Dodge transmissions tended to off themselves at a great cost to the customer.
This kept going back and forth. So I asked what he did for a living. He said he was an electrician. Perfect. I asked what brand of power tools he used and he said DeWalt. I asked why he didn’t just buy Black & Decker when they were half the price?
Toyota’s are DeWalt or better. Hyundai are Black & Decker.