That is why you NEVER EVER buy an extended warranty at the time you purchase your truck/car in the dealer's finance office. Extended warranties / add-ons are a major profit center for a dealer.
THUS, is why we buy online, from actual FCA/RAM dealers in other states, selling the SAME certified FCA/MOPAR warranty that was offered to you in the finance office for THOUSANDS more than you could have paid online.
Some dealers do sell third party warranties, and these are even more cash cows!
So, there is only a "ton of margin" for the dealer is one is stupid to buy it from you local selling dealer.
Margins ONLINE, however, are razor thin. these online dealers sell in volume, which gives them the opportunity to sell more plans at a much lower cost and still turn a profit.
I can tell you that some of these ESP's only net $100-200 at most.
And you are correct about the sales tax, that alone saved about $100 for me.
Zeigler has had a big presence in the forums for a while now, and appears to have the best online price, even if its by $25 sometimes.
www.chryslerfactoryplans.com