i was debating also and just optioned for it. there are so many unexpected things that have gone wrong with others that i didnt want to deal with it when the time did come. Plus i knw for my self that if such a situation did rise i would be able to fix it and the fact that i need a car everyday its came out of be cheaper and wiser to get the warr. So far it has covered inspection 2 and they found a leaky secondary water pump so that has to be changed to so already its paying it self off.