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Q: How much does it cost to replace fan belt? on 2004 Toyota Camry

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Car only has approx 25,000 miles. Was told I needed a fan belt--beginning to crack. Was I taken?
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The weather is cold out there, I lived on the upper west side for 8 years and it took a toll on my car when I had one in the City. It is possible that a 5 year old fan belt could have age cracks.
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