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Edith from Houston, Texas purchased a tractor for $26,000 last March, with $2,000 for insurance. As new listeners of Dave Ramsey, they are unsure about making the final payment as it may downgrade their insurance. They are confused about whether it is just tractor insurance or an extended warranty for repairs. Dave clarifies that the insurance is for repairs, not theft, and suggests checking with homeowners or farm insurance for theft coverage.