thank you for all your responses, i decide to go with WD securecare+ plan even though i still have plenty of time on my factory warranty, but the rep. told me the sooner i buy the cheaper the price. its a 4 years/85K miles plan, since my car has a very low mileage so (until) 85K miles would take care of me for the next 4 years. all i have to do is call in with the reference number (quote) 60 days before the bmw original warranty expires. i dont know if ever use it, i just want to be safe. my other car (the x) still has 2 years and 20K miles left on other third party company which only covers power train, and i never use it except for 1 roadside assistant call.

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2002 X5 3.0 Siena Red
Premium, Cold Weather, Rear Climate Packages, 19" Wheels
Aluminum Running Boards, Clear Tail Lights, Clear Side Markers
Titanium Kidney Grills, Titanium Trunk Lid, Xenon Headlights
4.6is X5 exhausts, 35% Tint, Aluminum Pedals
2005 530I Mystic Blue
Premium Package, Sport Package, Xenon Headlights
18" Sport Wheels, 35% Tint all around
Mods to come: M-Tech Front Bumper, M5 Side Skirts, M5 Rear Bumper
Quad Exhausts, Style 172 19" Wheels