Here's what these “guerillas” do: They get on Toyota enthusiast sites like ToyotaNation.com and look for prospects with questions about Toyota Extra Care on the user forum. They answer the questions and offer a service plan cheap, say, at $50 over dealer cost.
Normally, I would applaud creative and unconventional marketing tactics, and this actually might win some dealers incremental business. But raiding the online forums seems like a desperate attempt to boost sales and might increase a dealership's business at the customer's expense.
To understand what they're purchasing, customers deserve a clear and accurate presentation of available coverage by an honest and trained professional -- not a pitch from some finance guy out to make a quick sale.