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Q: Is it really necessary to change the thermostat on my car after 100K miles? on 2006 Volkswagen Jetta TDI

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The dealer says it is also recommended to change the water pump while they are at it. But the price quoted is more than $300 over the max price estimated for the timing belt alone and they want to charge me another $269 for the water pump, then the thermostat is another $161. I'm getting ripped off if i schedule this I can see that...besides negotiating with them, what are my choices?
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