I've bought several cars at dealerships in recent years. I found that simply saying "I feel lucky" with a slight grin, when presented with the warranty, pre-mai

I've bought several cars at dealerships in recent years. I found that simply saying "I feel lucky" with a slight grin, when presented with the warranty, pre-maintenance, tire damage and so on, works well. The finance person laughs (sometimes weakly, sometimes genuinely) and we move on to complete signing the forms. A couple of times they pressed the issue, so I said "I feel really lucky" and that did the trick.