I realize this is mom and she wants the peace of mind, which is where the most dealer margin (and a lot of f&i commission) is. Highly suggest skimming:
And
That said, for me personally (0 science here):
wheel and tire is worth roughly 1-2 tires or 1 tire + rim. They will come in several times that, their cost is somewhere in between. I have bought on maybe 1/4 my leases
key replacement is a hard pass. For some brands, an auto locksmith is cheaper. If I was buying it, it should be less than the cost of 1 key (because I can otherwise buy the key later, and not pay rent & tax on the rent to prepay). Have never bought
dent to me is worth 2 dent removals, and I have never bought it
For some brands, an auto locksmith is cheaper. If I was buying it, it should be less than the cost of 1 key (because I can otherwise buy the key later, and not pay rent & tax on the rent to prepay). Have never bought