We’re on the West Coast of Canada and have a Toyota Highlander that’s going on four years old. We have regular auto insurance, but we also bought a separate vehicle replacement policy (AWRAP) through the dealership. We frankly forgot about it until we started looking for ways to reduce our overall costs. The policy ends in 2030, so there are still a few years left. The total premium was about $4,000 at the time of purchase, including a really high dealership referral fee. Seeing that now makes me unhappy as I review our paperwork on how the finance process worked for us. I know it can be adversarial, but I…
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