The sales dude "told you"? You need the policy in writing, on the vendors website, anything else is sales dude speak.
Whenever possible, buy locally from a reputable dealer. If you dont have a local dealer, there are several longstanding catalog firms (J&R Music World, Crutchfield etc) with websites that are quite good. These companies are fully recognized by the manufacturer and offer fair, consistant prices and policies.
Considerably cheaper is a relative term, I have found the local dealers can and will offer package prices and fairly significant discounts to valued customers, with those the local dealer prices being as good or better than what any online company is willing to offer (even on B Market stuff).