Dont buy a vehicle from McCarthy Eastrand

I bought a Jeep Compass 2013 from McCarthy Pre-Owned Eastrand after seeing an advert on Automart - the car was R199 995, excluding delivery and reg fees, all looked good but along the way I was told that I must buy Service and Warranty plans and also a tracking device and also a life cover....from R200 000, the car price went up to almost R240 000 because of the extras that they bully you into buying......What I am not happy about is the fact that I was not told how much the Life cover will cost me and I only found out this morning that it is R244 PM.I tried calling the numbers that were given to me by Anne-Marie and no one is willing to help me, they transfer the call to the next operator until I hang up. All I want is to cancel this expensive Life Cover, if something happens to me, they will just have to repossess the car like all other financial institutions do......I have an R800 000 life cover with a different service provider and I am paying less than R200, why must I pay R244 for a R200 000 car?