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You have hit it right on!!
The deal is that for 12000 miles/yr you will pay only $2.99/gal and chrysler will pay the rest.
If gas goes to 2.99 or less you just forfeited your (substantial) discount on the purchase price. It is a gimmick for those who pay full list price or actually cannot afford to buy/negotiate a purchase.
The best is to wait until conditions are right and negotiate your best discount. As a bonus you save on sales tax too!! It's 7% here.
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