Honda Elevate V CVT on road price in Mumbai

I recently visited a dealer in western suburbs of Mumbai where they quoted me INR 16,60,875 for V CVT version of Elevate as of Jul’25. They are offering basic accessories and suggesting that I go for the Apex version. I want to understand is there a way to reduce this further? The insurance (Honda Assure Ins. with Engine Protect & Key Cover) is INR 57,661. Has anyone got it for cheaper outside? They are also giving me extended warranty (4th and 5th year) for INR 19942. Is it worth taking the extended warranty? Also, Has anyone opted for 3rd party PDI inspection? Would really appreciate inputs from folks who have gone through this process?