I bought my Prius 6 months ago. Can I still cancel my extended warranty?

Thread title pretty much says it all. I bought my 2010 Prius in November 6 months ago. I've never really felt too certain on the extended warranty, but after my girlfriend buying a new car, I'm certain I don't need mine. The fine print says exactly the following:

"Cancellation of Your Agreement
If your vehicle has been repossessed, declared a total loss or you give notice of cancellation, this agreement will terminate. You may cancel this agreement at any time by notifying the selling dealer or administrator in writing of your intent to cancel. You must also send the selling dealer or administrator this agreement and a notarized statement indicating the actual mileage (odometer reading) of your vehicle at the date of the request. If this agreement is canceled within the first thirty days and no claims have been filed, you will receive a full refund. If this agreement is cancelled after the first thirty (30) days or a claim has been filed, your refund will be determined by multiplying the amount you paid for this agreement by the lesser of the ratio determined by:
a) the number of in-force days remaining for the agreement compared to the original term of the agreement, or
b) the miles of remaining coverage under the agreement as compared to the original terms of the agreement.

If there is no lien holder, the refund, less a cancellation fee, will be paid to you. If there is a lien holder, the refund less a cancellation fee will be paid to the lien holder. If the agreement holder elects cancellation, the administrator may retain a cancellation fee not to exceed fifty dollars."


Then there's an amendment on the back because I live in Nevada:

"If this contract is originally delivered to you by mail, you may cancel this contract within 20 days after the date the contract was mailed to you and receive a full refund of the contract price provided no claim has been made under the contract. If a full refund is due to you under this contract, a 10% penalty per month will be added to the refund if it is not made within 45 days of return of the contract to us."



Sorry for all the info. So how much would I even get credited to my loan? I have just under 11k miles and I signed this contract on November 16, 2010.


Any advice would be nice. Thank you!

 

Thanks! Is there any way to estimate how much the refund would be before I go to the dealership and put up with their hassling?

 

72 months - 75,000 miles

I figure it's inevitable that I'll have to deal with the dealership. I have no problem establishing dominance. Haha
I originally bought the extra insurance because this is my first hybrid, but I just don't think I'm going to need it. I'd rather that money go towards the loan.

 

I don't understand that formula. They use big words that I don't like. =[

I paid $1516 for the extended warranty.