is there a monthly bill for the Garmin GPS like on cell phones?
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No. You will have to pay for updates if you choose to add new roads that are built/removed from your area even if. They come out once a year ordinarily. The new maps are excellent for the entire country too.
No, but if you want map updates, you have to pay for those. I reflect the updates only come out every year or two but they are pretty expensive.