I was thinking of purchasing the Toyota Prepaid Maintenance plan. Something just doesn't add up. Correlating the 55,000 mile/4 year plan with the TCH maintenance schedule reveals the following. The only services covered are oil and oil filter changes with tire rotation every 5,000 miles. At 30,000 miles it covers engine air filter and cabin air filter replacements. This plan's suggested retail price is $1,355. With a maintenance interval of 5,000 miles, that's 11 service trips into the dealer at an average cost of $123.18 per service (That's a little trick I call math).

Isn't that just a little too high for an oil change and tire rotation? Does changing the engine air filter require dropping the engine out of the car? I was under the impression the concept of prepaying for any service would save significant amounts of money over paying as you go. Anyone know what gives here?

Does anyone know if the prepaid maintenance plans are restricted to the selling dealer or can one take the vehicle to any Toyota dealer?