I'm sure most are familiar with Onstar. I'd spend $31.97 a month on it if I didn't owe property taxes by Jan 31 that won't get paid in full until Feb 3 plus I pay $435 a month for my Spark. So I declined to renew when I bought my Spark last summer. Then I learned they charged my credit card last 3 months. If you decline Onstar be diligent in following up. They are hoping you don't catch them.