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Of course dealers charge an arm and a leg. That's why some companies have insurance policies they sell. You should be able to get one to cover the car up to 100K miles. Well worth it if you rely on a dealer.
Most "fixes" can be DIY or trusty independent, with the exception of the ETM which is now covered by the factory. The A/C evaporator is quite expensive to replace, and it will be replaced sometime. No Volvo is as expensive as my wife's A4Q2.8, which just got a bill over $3300.
Klaus
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(V♂LV♂s 1975 164, 1995 854T, 1998 V70R)
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