Update #2...
I contacted Zurich directly and I have 30/60 days to cancel. 30 days for the gap insurance and 60 days on everything else. Here is the catch they have to have the paper work to process the request but and it can take up to 30+ days for them to get it. They suggested I return to the dealer and cancel it there. Not wanting to step foot in the dealer again...I asked if there were any alternatives. They said I could fax or write them a letter asking for the contracts to be canceled so I did both...I sent the fax and sent a certified letter via UPS. They would make the date of the cancellation when they got the fax/letter.
I was unable to do anything about the Zurich Shield as they had already applied it... oh well.
I did end up keeping the tire and wheel plan but everything else is in the process of being canceled. Thanks to everyone here for opening my eyes on how bad I was taken. I did manage to get a good price on the car but got taken to the bank in the finance office.
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