Thanks for the info. Sounds like this isn't going to be easy. I think I'll try leaning on my dealer and see if they'll refund me a portion of my purchase price to get the final price close to the ones I've been quoted. That way I won't have to go through the trouble of cancelling and they won't lose the sale completely. I wish I had all of this forum information before I bought the car/warranty.

Wonder how this works with the dealer. If Toyota sends out the checks then wouldn't the dealer have to pay Toyota back the difference between the actual deal cost and profit?