Well, you can indeed use tax credits to lessen the monthly payments that you're going to be making but I guess it varies from the laws that are being implemented in different states. I think the best option is to ask your local dealership about how to go through with this plan to avoid...
Twice a year routine check-up will save you this trouble. if you left this un-check for some time, try to check the cabin filter, maybe it accumulated so much dirt in it. But to make sure, it's much better to visit the nearest dealer in your area.
Good to know you already found and fixed that noise on your VW ID.4. Most of the time suspensions
and bearings are the source of the noise, as well as those loose nuts.