Yep, most of them are a third-party gouge. And I imagine if you had a claim you'll have to jump through hoops and fine print to collect. Head unit/audio is only 3yr./36k, but that puts it where most car mfgrs. are for the total car. When you buy the insurance new at dealer, it's overlapping the Kia warranty, so youre paying upfront for nothing. If you really want extra insurance, why not get it when the Kia warranty is expiring?
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