Automobile extended warranties/service agreements

[Aaron Rosenthal]

I got the call today that the Ford Maverick pickup I ordered last October will be ready for pickup tomorrow.
Finance is arranged, my copies of the documentation confirming the price etc. are printed and in hand - not that any car dealer would be dishonest .........
I was asked about if I wanted an extended warranty and service agreement. I normally never take extended agreements for electronics, but I'm wondering about whether there's any consensus regarding cars.
To be clear, I bought my vehicle from a dealer about 50Km away, so I don't know if a service agreement would work unless a local dealer could take it over, but extended warranties might be worth it. I don't know.

[Stan Calow]

My SOP has been no to extended warranties as I believe anything seriously wrong will show up before the factory warranty expires. Especially no if they are "dealer" or third-party warranties. My wife purchased one and the third-party company just went out of business with no recourse.

Except for tire warranties. We've had a lot of flats and other damage occur while the tires were still new.

[Bill George]

My SOP has been no to extended warranties as I believe anything seriously wrong will show up before the factory warranty expires. Especially no if they are "dealer" or third-party warranties. My wife purchased one and the third-party company just went out of business with no recourse.

Except for tire warranties. We've had a lot of flats and other damage occur while the tires were still new.

Things have changed. Now if if you have a electronics issue it could cost $1000s to repair. Far more than a straight forward engine repair. Transmissions can cost $4000 plus to replace. You can purchase $100 or so deductible instead of a zero deductible cheaper, but do ask questions of your dealer. We tend to keep our cars for a long time and buy some sort of warranty. Don’t buy third party ones!

[Jack Frederick]

Tire warranty may be worthwhile. A friend who is third gen independent tires shop says the electrics are all hi-torque cars and all are having premature tire wear. My daughters Audi E-Tron needed four new tires at 8000 mi. She drives on a lot of dirt roads in the real estate business. The tires were shedding chunks of rubber. Audi said, “Well, these tires aren’t for dirt/gravel roads” and denied coverage on her tire warranty. This was of course not specified at the time of sale. Audi also said, change to a different tire and you void your warranty. The dealer came through for her. She loves the car and it is running cheaply, but these things don’t carry inexpensive rubber, and every 8000 mi?

[Alan Rutherford]

I collected twice on vehicle extended warranties. My wife, before we were married, bought one with her '90-something Blazer and it saved us $1000+ on a transmission repair. I was able to transfer the warranty on a Caravan van I bought used about 25 years ago and it paid for motor mounts. But I wouldn't buy one myself. I'd say don't do it unless knowing you've limited your risk is worth paying for something you probably won't use. If those things weren't money-makers for the people selling them, they woudn't.

[Bill Howatt]

... I'd say don't do it unless knowing you've limited your risk is worth paying for something you probably won't use. If those things weren't money-makers for the people selling them, they woudn't.
Pretty well sums up my thought on the subject, especially the last line. I think you have to consider why you are thinking of buying one, to save money on repairs or to bail you out if a large expense would overwhelm you. In my case, at my advanced age, I'll gamble on the "save money or repairs" and don't have to worry about a few $K expense putting me out in the street even if it is unpleasant.
However, as the ad used to say, "this is not your grandfather's car". The electronics can be a big expense. Friend had to replace the radio in his RAM and it cost $1K+. He could have gone without a radio but it was the electronic brain behind the backup camera and some other stuff apparently.

[Jim Becker]

Due to the tech...I'm a yes, but ONLY for a manufacturer backed extended service contract. (what folks, including many sellers, call "extended warranties") Just say no to third party contracts! And don't take the first price you are given. Negotiate the price. Now things might be different in Canada, but I always tell US buyers to shop multiple dealers for the contract to get the best price. There are some that will sell for just over cost and others that will inflate the cost beyond the "MSRP". (Florida residents, unfortunately, must pay MSRP because of state insurance laws)

[Mike Mason]

Tire warranty may be worthwhile. A friend who is third gen independent tires shop says the electrics are all hi-torque cars and all are having premature tire wear. My daughters Audi E-Tron needed four new tires at 8000 mi. She drives on a lot of dirt roads in the real estate business. The tires were shedding chunks of rubber. Audi said, “Well, these tires aren’t for dirt/gravel roads” and denied coverage on her tire warranty. This was of course not specified at the time of sale. Audi also said, change to a different tire and you void your warranty. The dealer came through for her. She loves the car and it is running cheaply, but these things don’t carry inexpensive rubber, and every 8000 mi?

Do these extended warranties also cover the replacement batteries it will someday need?

I've never had any extended warranty; the person selling it obviously does so to make more money in premiums than they pay out. I guess it's a matter of how willing and able you are to cover a major expense if it occurs, but over the course of their lifetime, the average person would have been better off financially without them.

Having said that, something really catastrophic, such as a serious medical issue, house fire, car accident (think liability) all need to be covered by insurance. However, if I have to pay out a few thousand dollars, it's not going to bankrupt me, so it's better on average to avoid such warranties. That's what most consumer magazines will also tell you.

[George Yetka]

I do them on GM products because I had a run of them failing at 100,001 miles. Also they backed down to 60k

[Bill George]

As far as “someone is making money off extended warranty's” can’t you say that about all Insurance.? As Jim said buy the factory warranty not the Dealer or the ones you get in the Mail.
I buy because we keep our cars and trucks for a long time.

[Roger Feeley]

We’ve never lost money on an extended car warranty. We’ve had them on our last three cars. We buy at CarMax and get the longest lasting lowest deductible warranty we can. That ran out on our current car during the pandemic. Normally we would have gotten a new (to us) car but it wasn’t a good time to buy a car. So I consulted with our mechanic and got another 5 years from a company they liked. When that runs out, we will probably change cars.

we have extended warranties on our appliances too and made money.

[Bill Howatt]

As far as “someone is making money off extended warranty's” can’t you say that about all Insurance.? ...

Yes, that's the way it works but it also shows that the odds are on their side or else they wouldn't do it like the insurance companies getting out of the natural disaster areas.

[Jim Becker]

Do these extended warranties also cover the replacement batteries it will someday need?
One would have to read the actual text of the extended service contract for an EV, but EVs generally have some form of manufacturer time based warranty on the initial batteries to cover defect induced failures just like ICE vehicles have powertrain warranties over and above the OEM "bumper to bumper" warranty.

[Brian Tymchak]

As others have mentioned, with all the electronics on board these days, repairs costs have grown over the years relatively way more expensive than what just inflation can have account for. Also, I discovered a few years ago while truck shopping that Ford is having more reliability issues in the last many years than most other car companies. The CEO has acknowledged the problem. I would definitely purchase the manufacturers extended warranty.

[dennis thompson]

We bought a new Subaru Ascent a few months ago. The car is loaded with electronics, so I bought five-year extended warranty for the car to give me a total bumper to bumper warranty of eight years in total.
It cost $1650 (with a senior citizen discount) and I hope i never use it, after I bought it the finance person told me the average repair on the car was. $2,000

[Mike Mason]

As far as “someone is making money off extended warranty's” can’t you say that about all Insurance.? As Jim said buy the factory warranty not the Dealer or the ones you get in the Mail.
I buy because we keep our cars and trucks for a long time.

Of course, but the difference is that a few thousand dollars for an auto repair isn't going to put you in financial jeopardy, but a serious medical bill, house fire, car accident in which you caused a death, etc. all are catastrophic and could. That's why you need insurance for those things, and you don't need an extended warranty for your car or anything else. It's crazy, you can buy a ten dollar item at some stores and at the register they ask if you want to take out an extended warranty!

[Mike Mason]

We bought a new Subaru Ascent a few months ago. The car is loaded with electronics, so I bought five-year extended warranty for the car to give me a total bumper to bumper warranty of eight years in total.
It cost $1650 (with a senior citizen discount) and I hope i never use it, after I bought it the finance person told me the average repair on the car was. $2,000

I hope you win the bet with them, but on average you won't or they wouldn't sell it to you at a loss. I put the finance person on par with the salesperson or the "closer" - not exactly the most forthright people you will ever deal with. I'd like to know how he came up with such a round figure of $2,000 - seems unlikely.

Newsflash: Other than the government and 503(c) charities, 99.9% of businesses are in it to make money...not to save you money and operate at a loss.

[Ken Fitzgerald]

Any insurance policy or extended warrantees are crap shoots. Life insurance, while one will eventually collect, the question is how much willy you pay into the policy before you collect? Could you have made more by investing in stocks and bonds? Who knows? Lots of people have lost huge investments that way and continue to do so. Extended warrantees, a similar thing. Will you collect before they expire. And yet..........

I worked for a subsidiary of a large global corporation who sold us to a larger global corporation. They flew us to Seattle, wined and dined us encouraging us to sign the necessary paperwork and maintain our employment with the new corporation. Under the influence of a hangover, I signed an agreement to allow them to take monthly withdrawals of $8.00 from my salary for long-term disability insurance. I would bet that less than 1% of all those insured for long-term disability ever collect on the policy. Then in July 2010, I awoke deaf. I paid in $8/month for 23 1/2 years or $2256. I took less than 1 month to get back every penny I paid into that policy, and it continued to pay until I was eligible for full Social Security retirement.

It's a crap shoot and we all have to weigh what's right for us individually. There is no right or wrong. These are individual decisions. One must educate themselves so as not we don't make an ignorant decision (uneducated) and then do what's right for you.

[Mike Henderson]

I took an extended warantee on one car we bought and it was very worth while. Unless the dealer was just "milking" the warantee (reporting things wrong that really weren't wrong).

I bought an extended warantee on a different car and never had a claim.

Only take an extended warantee if the manufactuer is offering it - no third parties.

Mike

[Jerome Stanek]

Mke sure the warranty does not start on the day you pick up the truck. I almost bought one for my 2001 F 350 but declined when they told me it starts the day I picked it up so it was only a 3 year extended warranty not the 5 they said it was. I also saw that the deductable was more then some of the covered repairs would have been. I declined it and still could have picked it up before the 3 year was up

[Bill George]

Back when I was working and getting paid, if my transmission went out it was usually under $2000 to either replace or repair. Now when retired and new Transmissons with the electronics and all included can cost $5000 or more. Extended warranty on my wife's new 2018 RAV4 cost like $1800 for 7 years... kind of a no brainer.

[Dan Friedrichs]

Back when I was working and getting paid, if my transmission went out it was usually under $2000 to either replace or repair. Now when retired and new Transmissons with the electronics and all included can cost $5000 or more. Extended warranty on my wife's new 2018 RAV4 cost like $1800 for 7 years... kind of a no brainer.
So how do you think they are making money on the insurance policy?

[Doug Garson]

So how do you think they are making money on the insurance policy?
Probably because say 90% (?) of people who pay for extended warrantees never make a claim. It's definitely a moneymaker for the dealer. When my wife worked at Best Buy we could buy extended warrantees at cost which was about 10% of retail.

[Brian Gouldman]

YMMV here since the OP is based in Canada. I own both a Ford F150 and a Honda Pilot. Both newer-ish and have an extended warranty on both due to the costs involved in fixing electronics long term. Dealerships have huge markups on the warranties and make big profit on them. You do NOT need to buy the factory extended warranty from your dealership when you buy the car. In the case of both Ford and Honda you can find a couple smart dealerships online that figured out they can make a whole business model selling official extended warranties at near cost at scale and still make a bunch of extra money. The win for us is we get it at prices your local dealership can’t even offer at zero profit.

For Fords, in the US at least, Flood Ford ESP is one of the biggest. It’s a real dealership and this is just one part of their business. The warranty is real, it will show up in your Ford profile, in the App, etc. There are equivalents for Honda as well, likely other manufacturers.

[Rick Potter]

When my brother bought a new Corvette in '05, he passed on the factory extended warranty until the three year warranty was almost gone. A couple months before the three years he bought a factory extended warranty from a dealer in South Dakota (he lives in CA), for about 1/3 what the local dealers would sell it for.

Same warranty, good at any Chevy dealer. I imagine the SD dealer makes a bundle selling them at discount, knowing they will probably never see the car.

There is no reason to buy one right away, it gives you a three year try out to discern if the car indicates future problems.

[Jerome Stanek]

Back when I was working and getting paid, if my transmission went out it was usually under $2000 to either replace or repair. Now when retired and new Transmissons with the electronics and all included can cost $5000 or more. Extended warranty on my wife's new 2018 RAV4 cost like $1800 for 7 years... kind of a no brainer.
And how many times have you used that to get a new transmission

[Alan Lightstone]

Federal law on EV battery warranties is a minimum of 8 years and 100,000 miles. Tesla's warranty is 8 years and 150,000 miles. Since we usually trade in cars every 7-8 years, we just plan on that with the Teslas. That being said, the majority of EV batteries are expected to last 200,000 miles.

[Bill George]

And how many times have you used that to get a new transmission

You completely missed the point, its Insurance.

[Bill George]

When my brother bought a new Corvette in '05, he passed on the factory extended warranty until the three year warranty was almost gone. A couple months before the three years he bought a factory extended warranty from a dealer in South Dakota (he lives in CA), for about 1/3 what the local dealers would sell it for.

Same warranty, good at any Chevy dealer. I imagine the SD dealer makes a bundle selling them at discount, knowing they will probably never see the car.

There is no reason to buy one right away, it gives you a three year try out to discern if the car indicates future problems.

A very good Tip, thanks for posting.

[Jim Becker]

We bought a new Subaru Ascent a few months ago. The car is loaded with electronics, so I bought five-year extended warranty for the car to give me a total bumper to bumper warranty of eight years in total.
It cost $1650 (with a senior citizen discount) and I hope i never use it, after I bought it the finance person told me the average repair on the car was. $2,000
That must not be a Subaru extended service contract as the manufacturer contract starts from day one and a 5 year contract would only give you two additional years. Subaru does offer an 8 year 120K mile contract. The 10 year, 100K miles, zero deductible plan is likely the most popular, however and comes in at about $2.1 K competitively when folks shop around for it. That's what I opted for.

[Mike Mason]

A lot of people are saying that the primary reason to buy an extended policy is because there are a lot of expensive-to-replace electronics in cars.

There are, but it doesn't matter a bit; no matter how expensive it is to repair a car, the premiums for an extended policy necessarily exceed the average person's claims. If they didn't, the company offering them (no matter whether it is the manufacturer, dealer, third party or late night celebrity on tv) would be losing money. (The fact that there are so many late night poorly done, deceptive commercials is enough of a sign to steer me away, even if I was so inclined as to participate in the game).

Just like in gambling casinos, there will be some people who come out ahead with an extended warranty, and many who don't. Again, the premiums have to be more than the average person's claims, and the casino has to bring in more money than it pays out.

Then there are the possible headaches in trying to get a claim covered, the possibility that you sell or wreck the car well before the warranty is up, the possibility that the warranty company goes belly up, etc.

[Jim Becker]

There are, but it doesn't matter a bit; no matter how expensive it is to repair a car, the premiums for an extended policy necessarily exceed the average person's claims.
What data are you using to come to that conclusion? I paid $2100 for a manufacturer backed "exclusionary" plan (covers everything except a few specifically called out exclusions which are mostly wear and appearance items) and it covers me through 100K miles or 10 years, whichever comes first, with zero deductible. My vehicle is tech heavy and you can't just replace individual parts anymore...it's whole assemblies. This is an insurance policy. And if for some blessed reason I don't have $2100 worth of repairs over ten years, I'll not even blink about having paid that insurance premium. If I decide to replace it early...like I actually just did with my previous one...I get a prorated refund...which I also just did.

Now I do agree that people should stay really, really, really far away from those third party contracts like you mentioned advertised on TV, online and in print as most of those are not worth the paper or ones and zeros they are printed on. Manufacturer extended service contracts are a different animal from those "things".

[Brian Gouldman]

So, it’s not for you… got it

[Mike Mason]

What data are you using to come to that conclusion? I paid $2100 for a manufacturer backed "exclusionary" plan (covers everything except a few specifically called out exclusions which are mostly wear and appearance items) and it covers me through 100K miles or 10 years, whichever comes first, with zero deductible. My vehicle is tech heavy and you can't just replace individual parts anymore...it's whole assemblies. This is an insurance policy. And if for some blessed reason I don't have $2100 worth of repairs over ten years, I'll not even blink about having paid that insurance premium. If I decide to replace it early...like I actually just did with my previous one...I get a prorated refund...which I also just did.

Not sure what "data" you need. Is there anyone who would argue against the statement that, on average, whatever the cost of repairs is expected to be (and the people offering the plans are the ones that have the data from actual repairs, projected repairs based on life testing and suspended life testing, etc.) the premiums have to exceed the cost of repairs in order for the company to make money? If the expected cost of covered repairs over the life of the extended warranty is $1,500 then that is the minimum that they need to charge (also factoring in the time value of money, alternative investment options, etc.) in order to make money. If the expected cost of covered repairs over the life of the extended warranty is $15,000 because of those nasty electronics, then that is the minimum that they need to charge (also factoring in the time value of money, alternative investment options, etc.) in order to make money. There's no "data" required to see my point.

I think I've now explained this about 3-4 times in this thread, hoping to help out someone who hasn't thought it through, but everyone obviously can and will do what they want.

[Jim Becker]

We'll just have to agree that we disagree about the metrics. I will say that the contract cost isn't based on a single buyer; the risk to the the entity providing the contract is spread across many contract holders. Some or even many will not have substantial claims while a few will. This is no different than any other insurance situation in that respect.

And again, there are some crap products out there that need to be avoided...just like with any other insurance product

[Bill George]

What some of us are trying to point out the good factory warranty price is Not based on your Claim or might be claim , its based on tens of thousands of policy holders. Mine at $1800 for seven years or Jims at $2100 for ten years even if only 1 or 2 claims has paid off. Even if only 10% of the policy holders use or need its still there!

My wife had a Honda CRV we had lots of expensive repairs all covered by the extended warranty. When electronics are involved you will pay a lot as they replace parts until its fixed!

Some of you must have been very lucky not to have any repairs?

[Jerome Stanek]

We'll just have to agree that we disagree about the metrics. I will say that the contract cost isn't based on a single buyer; the risk to the the entity providing the contract is spread across many contract holders. Some or even many will not have substantial claims while a few will. This is no different than any other insurance situation in that respect.

And again, there are some crap products out there that need to be avoided...just like with any other insurance product

So your saying that the majority of people will not have problems that need the extended warranty. So that is not even a 50 50 Cr**p shoot. If the car is going to have problems most will show up in the first 3 years.

[Jerome Stanek]

What some of us are trying to point out the good factory warranty price is Not based on your Claim or might be claim , its based on tens of thousands of policy holders. Mine at $1800 for seven years or Jims at $2100 for ten years even if only 1 or 2 claims has paid off. Even if only 10% of the policy holders use or need its still there!

My wife had a Honda CRV we had lots of expensive repairs all covered by the extended warranty. When electronics are involved you will pay a lot as they replace parts until its fixed!

Some of you must have been very lucky not to have any repairs?

Would any of those claims be under the original warranty.

[Jim Becker]

So your saying that the majority of people will not have problems that need the extended warranty. So that is not even a 50 50 Cr**p shoot. If the car is going to have problems most will show up in the first 3 years.
I think that the idea that most issues will show up in the first three years isn't as accurate as it was when vehicles were simpler. The level of electronics used these days is very high, even on lower trim levels because of the move to nearly ubiquitous safety features, etc. The systems used to provide required power but with reduced fuel consumption are also a bit more complicated than the simpler naturally aspirated engines. Continuously variable transmissions are more common now and even normal shifting automatic transmissions are at 8-9 forward gears. The sum of all this is that the risk is more spread out for anyone who chooses to keep a vehicle longer term. The choice on how to plan for it is an individual choice.

I think the common use of the words "extended warranty" also cloud things. They are not "warranties" legally, despite being called that by both consumers and many sellers. They are extended service contracts and those are the words used in most of the written contracts...they are a form of insurance and even regulated that way, strictly in some states like Florida even. They are a pre-paid contract that says if you have a covered problem during the coverage period (time/miles), it will get fixed during the contract period with your only repair cost being your deductible if you have one. The bigger risk is who is backing it. If you are one who buys this form of insurance for your vehicle for whatever your personal reason might be, the safest backer is the vehicle manufacturer. The riskiest is the third party marketer.

But if you're not one inclined to buy this form of insurance, that's no problem, too. Some folks prefer to self insure, at least to some degree. Self insuring for future potential issues on a vehicle is a valid choice. Many of us have life insurance, we likely all have home and auto insurance, most of us have health insurance, etc. We do that to protect ourselves from the unexpected. "Stuff Happens". The same decision goes into whether or not we might opt for an extended service contract on a vehicle...if it's meaningful to us to have it, we buy it. If not, we don't. Someone else's needs don't count because their situation is their own.

[Jim Becker]

Would any of those claims be under the original warranty.
Vehicle OEM warranties are typically 3 years/36K miles, whichever comes first and most have more coverage for come drivetrain components, often to 5 years/60K miles, whichever comes first. A few manufacturers have different time/miles. There would be no coverage for failure outside of those provisions unless a manufacturer provides "good will" for a failure shortly after the original warranty expires or some component received a warranty extension due to a recall, etc.

[Bill George]

Would any of those claims be under the original warranty.

No, the first was some sort of sensor and that was $600 or so because they had to replace something else also. Second was rear axle leaking oil and that was about $1200, and this was on the Honda CRV. The last one was just out of the extended. Check Engine light was on and they could not figure it out, and this was one of the dealers. They wanted to start replacing parts with no guarantees, the first was $870 and I said enough.

Went to the Toyota dealer and purchased new RAV4 with extra warranty of course and they took the CRV no problem. We have been with Toyota every since, only things replaced.... battery's and tires. My pickup is a 2015 Toyota Tacoma purchased used from a dealer, it was traded in for a new Toyota Tacoma. I loved my Silverado but it was one thing after another but it looked so nice.

Car electronics are not like your big screen TV, they are driven and used so things fail... even after the 3 years. Some of you folks must be driving cars and trucks that Never have major problems. But there lots of folks that do and buying the Right warranty will save you money if you do, and most can be passed on to the next buyer which increases the trade in value.
What some of you don't get, its an Insurance policy based on thousands of people buying... its not based on You as just one person but its spread out like car or house insurance risks.

[Mike Mason]

So your saying that the majority of people will not have problems that need the extended warranty. So that is not even a 50 50 Cr**p shoot. If the car is going to have problems most will show up in the first 3 years.

Jerome, you are wasting your time (as I did) - logic, math and basic business concepts apparently don't apply here. (Don't forget there are those who don't believe in science either).

Too often, people quickly respond without ever understanding what someone is trying to say. I'm sure that there are many who do understand, but aren't wasting time one this. I'm done posting further on it.

[Bill George]

Well you two I just turned 80 this summer, I changed the serpentine belt and (6) spark plugs on my Tacoma a couple months ago. Up until a few years ago I changed oil and filters on both vehicles and always have done my own repairs. So what I posted above is NOT made up or fiction as I know what I am talking about, yes I have Code readers for both and can fix simple things as a crash detector sensor showing bad. I know the newer cars and trucks have integrated and networked sub control modules that need replaced and programmed by the dealer.

So both Jerome and Mike what vehicles do you own?

Once again, its an Insurance policy.

[Patty Hann]

So both Jerome and Mike what vehicles do you own? ....


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[Tom M King]

We decided it was a good time to buy Pam a new car in 2020. We found the Subaru online that she wanted, and she went the hour and a half to the dealer. It was a new model, but when she got there a young salesman told her about the 2019 they had that had been a customer loaner.

The one she originally decided on was a fairly plain Jane model. The loaner had 8700 miles on it, and every option available. She called me, and I told her I really wanted to start with a new one, and didn't want one that a bunch of other people had driven. I have my own break in procedure, and we typically keep cars as long as they last, which is a long time. My truck was new in Nov. 2000.

We have never had a warranty claim on a vehicle. They stay in a building when not being used, and never go on the road when there is salt down.

They offered the loaded car for some less than the cost of the new one we had been looking at. While I was on the phone telling her I really didn't want a used car, the dealer offered to throw in the extended 100,000 mile warranty. I told her I really didn't want a sunroof, so they took the retail of that off too.

So long story shortened some, she decided on the loaner. It had been detailed perfectly, and never had a scratch on it. That's the one she's driving now. This is the first extended warranty on anything we've ever had, and so far haven't used it.

[Bill George]

We almost purchased a Subaru before the second RAV4 because my wife liked and her friend had one but the salesman and I use that term carefully was a blank hole person and we just ended up walking out and back to the Toyota place. To bad as we had the money in hand as my wife just got her inheritance.

[Jerome Stanek]

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I have a 2007 Ford Eddie Bauer Explorer

[Bill Howatt]

We almost purchased a Subaru before the second RAV4 because my wife liked and her friend had one but the salesman and I use that term carefully was a blank hole person and we just ended up walking out and back to the Toyota place. To bad as we had the money in hand as my wife just got her inheritance.
I guess that can happen with any salesman/dealer. I had a similar problem at a Toyota dealership. It was obvious they could care less if we bought or didn't buy and it reminded me of the Japanese car dealers of years ago when they were a hot item - take it on our terms or just don't bother.

[Doug Garson]

Here are some of my thoughts on this subject. One, companies selling extended warranties do so to make a profit and thus they must charge more in total for the premiums than they expect to pay out in claims. If they get that math wrong they will lose money. Two, if you buy an extended warrantee, you will probably pay out in premiums more than you will receive back in claims but in return you are protected in case you one of those in the minority who have a claim that exceeds your premiums. It's no different than buying fire insurance on your house, odds are you will pay more in premiums over your lifetime than you will ever collect but you have protection "just in case".

[John M Wilson]

It's no different than buying fire insurance on your house, odds are you will pay more in premiums over your lifetime than you will ever collect but you have protection "just in case".

I've been sitting on the sidelines watching this discussion play out, and finally decided to add my 2 pfennings.

Intellectually, I do very much "get" the reasoning that over a large population, the issuer of the policy is going to make money. They have the data, and have a very, very educated guess on what those policies overall are going to cost them. In any good casino, the house always wins.

But (and there's always a but), in my sometimes irrational brain, I do the calculation a little differently.

If the car has a problem, I've got some coverage, and I'll feel pretty smart.

If the car never has a problem (and I tend to keep cars 7 - 10 years) then I'm very happy that I bought such a good car, and I'll feel pretty smart. The cost of the warranty has faded from my memory years earlier.

Either way, I'm happy.

I see both sides of the discussion, and can agree with points on each side. One of our members here at the Creek used to have an epigraph after his signature, something like: "It's my shop, and that's what makes me happy". If buying an extended warranty/service policy brings someone peace of mind & makes them happy, I'm all for it!

[Bill Howatt]

Regardless of economics, "peace of mind" is a huge factor in these decisions. It all boils down to, "you pays your money and you takes your chance" since nobody has a good crystal ball.

[Dan Friedrichs]

Probably because say 90% (?) of people who pay for extended warrantees never make a claim. It's definitely a moneymaker for the dealer. When my wife worked at Best Buy we could buy extended warrantees at cost which was about 10% of retail.

Yes, that's exactly my point. 90% of people are paying for a product they lose money on.

The value of insurance is that it spreads risk across a pool. If you can afford to cash flow the risk, you're overall financially better off not buying the insurance.

[Pat Germain]

- Dealers typically have a HUGE markup on extended warranties. I like to offer them half of the price they quote. Sometimes they say, "OK" which makes me wonder just how much that markup really is.

- After declining an extended warranty for a new Subaru, the dealer offered me a super-low-interest loan if I bought the extended warranty. Dealers get only so many of these loans per month and they tend to save them for hard negotiations. The money I saved on interest paid for the warranty. (Of course, this doesn't apply to people paying cash for a vehicle.)

- Extended warranties don't apply to wear items like tires. If a tire is defective, the tire manufacturer's warranty will apply. Surprisingly, you can take a new vehicle to Discount Tire and they will you sell you their Road Hazard warranty on the tires for about $35 a tire. I have used the Discount Tire Road Hazard Warranty extensively. My wife's previous Subaru came with Bridgestone tires which were extremely delicate and extremely expensive. She got five free tires from Discount Tire.

- Be aware extended warranties won't cover maintenance items like hoses, spark plugs, oil changes, cooling flushes or timing belt replacement.

- I disagree about issues likely coming up in the first three years of ownership. More often it's just after the manufacturer's warranty expires when the transmission melts down, the engine computer fries, a differential toasts or a turbo seizes.

Whether or not an extended warranty is a good buy depends on the vehicle and the customer.

[Brian Elfert]

If a vehicle is known to have enough problems that an extended warranty is a must, should you be buying the vehicle?

[Bill George]

If your concerned about losing a couple thousand on a Insurance policy You will never collect on, why buy Life Insurance you will never collect on it :)

[Pat Germain]

If a vehicle is known to have enough problems that an extended warranty is a must, should you be buying the vehicle?

That is a good point. It's kinda funny how Honda and Toyota will brag about the reliability of their vehicles then suddenly spin horror stories about expensive failures when trying to sell an extended warranty.

The reality is every manufacturer can have vehicles with problems. I can buy a Toyota Tacoma and drive it for 250,000 trouble-free miles. Then I can I can buy a new Tacoma only to learn it's plagued with problems. Two years later, they might be back to being reliable again.

[Alan Rutherford]

If a vehicle is known to have enough problems that an extended warranty is a must, should you be buying the vehicle?

If I know the vehicle has problems then surely the manufacturer does and that cost has been considered in pricing the extended warranty.

[Michael Drew]

If you are planning to keep the rig for longer than the manufacturer's bumper to bumper coverage, then I would suggest you look hard at an extended warranty. Or, if you're disciplined, set aside a 100 a month in a contingency fund for the eventuality of needing to use it. Vehicles are getting more complicated all the time, and the more bells and whistles it has, the more points of failure you will have. Standard shop rate nowadays is $150 an hour. That adds up pretty quick if you do not have warranty. A drive train failure can easily cost you 5K. Plus the down time and rental costs you will incur.

Having said that, shop around. There is significant margins on extended warranties. Stick to the manufacture, but check with other dealers to find out what they charge. There is no limit to the distance from you either.

I have a different approach..... I buy new every three-four years. I've been doing this for 30 years. I have an account that money is automatically transferred to, every payday. It builds up of time. When it's time to buy a new rig, I have cash to cover the difference between whatever I get from the sale of the current vehicle. Kinda like a lease, but I always own my vehicles outright. I get out of the vehicle before it needs the more costly maintenance of wear parts, and I always have full coverage.

[Pat Germain]

If you are planning to keep the rig for longer than the manufacturer's bumper to bumper coverage, then I would suggest you look hard at an extended warranty. Or, if you're disciplined, set aside a 100 a month in a contingency fund for the eventuality of needing to use it. Vehicles are getting more complicated all the time, and the more bells and whistles it has, the more points of failure you will have. Standard shop rate nowadays is $150 an hour. That adds up pretty quick if you do not have warranty. A drive train failure can easily cost you 5K. Plus the down time and rental costs you will incur.

Having said that, shop around. There is significant margins on extended warranties. Stick to the manufacture, but check with other dealers to find out what they charge. There is no limit to the distance from you either.

I have a different approach..... I buy new every three-four years. I've been doing this for 30 years. I have an account that money is automatically transferred to, every payday. It builds up of time. When it's time to buy a new rig, I have cash to cover the difference between whatever I get from the sale of the current vehicle. Kinda like a lease, but I always own my vehicles outright. I get out of the vehicle before it needs the more costly maintenance of wear parts, and I always have full coverage.

This is what most BMW and Mercedes Benz owners do. They know any repairs are EXTREMELY costly. They dump their BMW or Benz the instant the manufacturer's warranty is up. I know a tiny few people who had good luck with a used BMW. I know many more who regretted buying used BMWs and dumped them within a few months after many thousands of dollars in dealer-only repairs.

[Bill George]

This is what most BMW and Mercedes Benz owners do. They know any repairs are EXTREMELY costly. They dump their BMW or Benz the instant the manufacturer's warranty is up. I know a tiny few people who had good luck with a used BMW. I know many more who regretted buying used BMWs and dumped them within a few months after many thousands of dollars in dealer-only repairs.


Thanks for posting I have been tempted at times, they Look so nice even used!

[Pat Germain]

Thanks for posting I have been tempted at times, they Look so nice even used!

Oh, I agree. BMWs are just so spiffy. One of my cousins in SoCal bought a used BMW that was real cream puff. I was visiting a few weeks ago and he drove me around a lot in that BMW. It rode very nicely and was quite comfortable with the exception of the A/C just barely working. I can't imagine what it would cost to fix that which likely why it hasn't been fixed.

A few years ago a friend of mine was asking which new SUV she should buy. She really wanted the BMW. She could easily afford it, so I recommended she buy the BMW, because that's what would make her happy, but to be absolutely sure to trade it in the minute the warranty is up.

What typically happens is shortly after the warranty expires the dash lights up like a pinball machine with faults and errors. Only a BMW dealer can fix and reset these errors. When you pull into the service bay, a meter starts clicking over in thousand dollar increments like an old school gas pump; "DING, DING, DING". A few thousand dollars later, you get your used BMW back. A few weeks later it's pinball machine time again...

[Jerome Stanek]

If your concerned about losing a couple thousand on a Insurance policy You will never collect on, why buy Life Insurance you will never collect on it :)

Who says I buy life insurance

[Jerome Stanek]

Oh, I agree. BMWs are just so spiffy. One of my cousins in SoCal bought a used BMW that was real cream puff. I was visiting a few weeks ago and he drove me around a lot in that BMW. It rode very nicely and was quite comfortable with the exception of the A/C just barely working. I can't imagine what it would cost to fix that which likely why it hasn't been fixed.

A few years ago a friend of mine was asking which new SUV she should buy. She really wanted the BMW. She could easily afford it, so I recommended she buy the BMW, because that's what would make her happy, but to be absolutely sure to trade it in the minute the warranty is up.

What typically happens is shortly after the warranty expires the dash lights up like a pinball machine with faults and errors. Only a BMW dealer can fix and reset these errors. When you pull into the service bay, a meter starts clicking over in thousand dollar increments like an old school gas pump; "DING, DING, DING". A few thousand dollars later, you get your used BMW back. A few weeks later it's pinball machine time again...

They program that to happen

I just read an article about they things sleazy dealer push. one of their biggest money makers is the extended warranties. the other is dealer add ons.

[Charlie Velasquez]

My 2¢…
The extended warranty people have done the math; on average they will collect more than they pay out. They base the premiums on the information gleaned over many “average purchaser’s” claims.
But, I have information they do not. I know if I am likely to be an average, below average, or above average claimant.

My wife is very hard on cars. When the traffic light turns green she guns it to get to speed (or faster). When she see the light ahead turn red she maintains her speed till the last second, then brakes hard. Cornering is about as fast as she can safely go. Winter she scrapes the ice off the windshield enough to see, then trusts the defroster and wipers to clear the rest. She has said the advantage to a small car is at the shopping centers she can fit into spots other cars could not (leading to door dings). She likes to eat and drink (coffee, soft drinks) while she drives (leading to stains). She bumps into curbs when parking.
The Hyundai extended care package covered all these types of things, as well as oil changes. Getting the package was a no-brainer for her car. The first year’s premium was more than covered when she lost her key the first week.

Everything above, I am the opposite. Getting the package for my vehicle would have been a losing proposition.

[Tom M King]

Charlie, I was thinking about it that way a little while ago. We're the opposite. We drive them like we want them to last. The last time I made a truck payment was November 2000, the day I bought the truck that I'm still driving. It has 387,000 miles on it. I figure I've replaced 4500 dollars of parts in it during that time, not including tires and batteries of course. Twice to replace all the moving parts in the steering system, and one set of injectors.

My Wife's last car had 267,000 miles on it. It is still in fine mechanical shape, but the interior has gotten worn to the point that I didn't want her to keep going places in it. It's a 2004 WRX. We decided to keep that car and use it for running around our place.

We have never had a warranty claim on any car. We like to make one payment and make it as long as possible until the next payment. I needed to put new tires on the car that Pam's driving now. I had to order them. The tire guy said no one had ever bought any of those tires from him before because nobody keeps a car long enough to be worth it.

[Derek Meyer]

My current Ford Edge was imported from Canada by the dealer I bought it from. I call it my Canadian lemon, as it has had several things wrong in only three years. It is an ST model, and was supposed to have the same brakes as the police cruisers do. Well, it came with the wrong ones, so the dealer replaced them for free. Then, the electronics in the steering rack failed, and the whole rack had to be replaced. This was at 37,000 miles, just outside the 3 year warranty. Fortunately, I did buy the extended warranty that covers pretty much everything for 100,000 miles, so this repair was covered. It would have been around $8000 otherwise. Now, the USB ports have both failed (they don't detect any device plugged into them), so it is going back into the shop in two weeks to get that looked at. This would not be covered by the factory warranty but is covered by the extended warranty. So, I'm way ahead on the extended warranty on this vehicle already. I've had it for just over 2 years and have a little over 50,000 miles on it so far.

[Bill George]

Boy I have never had the steering issues like that but I did use the added warranty like I said on that Honda we had.

[Michael Drew]

They program that to happen

I just read an article about they things sleazy dealer push. one of their biggest money makers is the extended warranties. the other is dealer add ons.

That is true.

For general awareness, you can always buy the extended warranty at a later date of the initial purchase. In most cases (manufacture dependent), if the basic warranty period has not expired, the window is still open to buy the extended warranty from the manufacture. It may cost more, but you absolutely do not need to be rushed into buying one the day you take possession of the vehicle. This will give you time to research your options, find one of the dealers that target internet based buyers and sell under invoice. These dealers will generally sell warrantees at a much lower price point than what you get pressured into buying day one.

I also NEVER take any of the dealer "add on's", like under proofing, windshield protection, blah-blah. You can usually get better for less at an aftermarket shop if want any of that stuff.

The dealer will make all this sound great and show you what your monthly payments are - "it's only an extra $35 per month". I don't know about anyone else, but I am not financing a warranty, or accessories. I may take out a short loan if the interest is less than what I can make in a money market account, but other than that, I pay cash.

[Jerome Stanek]

My current Ford Edge was imported from Canada by the dealer I bought it from. I call it my Canadian lemon, as it has had several things wrong in only three years. It is an ST model, and was supposed to have the same brakes as the police cruisers do. Well, it came with the wrong ones, so the dealer replaced them for free. Then, the electronics in the steering rack failed, and the whole rack had to be replaced. This was at 37,000 miles, just outside the 3 year warranty. Fortunately, I did buy the extended warranty that covers pretty much everything for 100,000 miles, so this repair was covered. It would have been around $8000 otherwise. Now, the USB ports have both failed (they don't detect any device plugged into them), so it is going back into the shop in two weeks to get that looked at. This would not be covered by the factory warranty but is covered by the extended warranty. So, I'm way ahead on the extended warranty on this vehicle already. I've had it for just over 2 years and have a little over 50,000 miles on it so far.

If what you say is the truth why would you keep it longer them the original warranty. Also when you buy that warranty if you finace it it vosts a lot more than what they say it does and if you pay for it you could have put that money down to lower your payments. so the warranty is a lot more expesive then you think.

[Bill George]

If what you say is the truth why would you keep it longer them the original warranty. Also when you buy that warranty if you finance it it vosts a lot more than what they say it does and if you pay for it you could have put that money down to lower your payments. so the warranty is a lot more expensive then you think.

Simple he did not have ESP on when the car was going to fail, like everyone else. Your buying an Insurance policy, and Yes the company is making money... isn't that the same as every other business and Insurance company?? News Flash --- Companies would not be in business IF they were losing money, pretty simple. The company you purchased your 2007 Explorer from made money, so don't buy anything.

[Jerome Stanek]

Simple he did not have ESP on when the car was going to fail, like everyone else. Your buying an Insurance policy, and Yes the company is making money... isn't that the same as every other business and Insurance company?? News Flash --- Companies would not be in business IF they were losing money, pretty simple. The company you purchased your 2007 Explorer from made money, so don't buy anything.

He said it was giving him problems from the start so you don't need ESP

[Doug Garson]

He said it was giving him problems from the start so you don't need ESP
I don't follow your logic. If you buy a car and have problems what would you do? Sell it and take a loss and hope for better luck on the next purchase or buy an ESP to cover future problems? Either way it is going to cost you money but if the car meets your needs and you like it other than the problems, maybe the ESP is the cheapest and least hassle path forward. The exact opposite of what you posted makes more sense. If your car is n​ot giving you problems from the start, you could conclude you don't need and ESP.

[Derek Meyer]

It's hard to know if your vehicle will be a problem child when it's new. I bought the warranty based on experience with previous vehicles. One had a transmission failure that would have been a $5000 repair, but at 130,000 miles it would have been out of an extended warranty too. My last Edge had the backup camera fail, and that was not covered by the factory warranty (excluded), and would have been an $800 repair. I elected to not have it fixed and drove it for 60,000 miles after that.

The extended warranty on my current Edge added $1900 to the price. I did not finance it, so I'm not paying interest on anything. My wife bought a new one at the same time I did, and she also bought the extended warranty, though she has not had to use it yet.

The steering rack was a strange one. I was driving from Southern Idaho back to Moscow, and I got an error that said there was an electronic system failure and to pull over and turn off the vehicle. Being the trusting idiot I am, I stopped at a rest stop. When we got back in the car, most of the electronic aides were disabled - cruise control, lane keeping assist, power steering, etc. Pretty much everything that could link to the steering was offline. I managed to drive it back home (200 miles) with no power steering. That was rough. I took it in and they checked it out and reset the system, and it came back online. They told me if it happened again then they would replace the steering rack. Well, a month later, on the same trip back at almost the same place, it failed again. This time I kept driving so that I could at least have power steering and we made it home okay. I then took it in and the ordered the rack and replaced it. I haven't had the problem since, and it's been about a year.

I think if I have another major failure, there is some type of lemon law that would force them to replace the vehicle, but I haven't looked into it. I do like the vehicle a lot, so I'd rather keep it and drive it as long as I can.

[Jerome Stanek]

It's hard to know if your vehicle will be a problem child when it's new. I bought the warranty based on experience with previous vehicles. One had a transmission failure that would have been a $5000 repair, but at 130,000 miles it would have been out of an extended warranty too. My last Edge had the backup camera fail, and that was not covered by the factory warranty (excluded), and would have been an $800 repair. I elected to not have it fixed and drove it for 60,000 miles after that.

The extended warranty on my current Edge added $1900 to the price. I did not finance it, so I'm not paying interest on anything. My wife bought a new one at the same time I did, and she also bought the extended warranty, though she has not had to use it yet.

The steering rack was a strange one. I was driving from Southern Idaho back to Moscow, and I got an error that said there was an electronic system failure and to pull over and turn off the vehicle. Being the trusting idiot I am, I stopped at a rest stop. When we got back in the car, most of the electronic aides were disabled - cruise control, lane keeping assist, power steering, etc. Pretty much everything that could link to the steering was offline. I managed to drive it back home (200 miles) with no power steering. That was rough. I took it in and they checked it out and reset the system, and it came back online. They told me if it happened again then they would replace the steering rack. Well, a month later, on the same trip back at almost the same place, it failed again. This time I kept driving so that I could at least have power steering and we made it home okay. I then took it in and the ordered the rack and replaced it. I haven't had the problem since, and it's been about a year.

I think if I have another major failure, there is some type of lemon law that would force them to replace the vehicle, but I haven't looked into it. I do like the vehicle a lot, so I'd rather keep it and drive it as long as I can.

On that extended warranty that you didn't finace did you finace the car. If you did you culd have put that toward the price and then put the $40 or so into a savings account to cover any problems.

[Doug Garson]

On that extended warranty that you didn't finace did you finace the car. If you did you culd have put that toward the price and then put the $40 or so into a savings account to cover any problems.
He paid $1900 for the extended warrantee and so far has claimed $8000 in repairs, I think he made the right decision.

[dennis thompson]

That must not be a Subaru extended service contract as the manufacturer contract starts from day one and a 5 year contract would only give you two additional years. Subaru does offer an 8 year 120K mile contract. The 10 year, 100K miles, zero deductible plan is likely the most popular, however and comes in at about $2.1 K competitively when folks shop around for it. That's what I opted for.

I checked my extended warranty , it is an eight year Subaru warranty, with a $100 deductible.

[Jim Becker]

I checked my extended warranty , it is an eight year Subaru warranty, with a $100 deductible.
Very good, Dennis. The Subaru Added Care Gold extended service contract is a very good contract, unlike the majority of the third party "caa caa" that many dealers sell because they are more profitable.

[Derek Meyer]

No, I did not finance the car. We paid for both vehicles outright.

The extended warranties we bought have no deductible or copay - they act exactly like the factory warranty, only they cover pretty much the entire vehicle for the duration of the warranty term - in this case, I believe it is 6 years/100,000 miles. I thought it was a pretty good deal. The dealer we bought from is reputable in this area, and has treated both of us well so far, so I feel pretty good about everything so far.

[Earl McLain]

Recently one of the Chicago area Kia dealerships has been TV advertising an extended service of 20 years/200,000 miles if you buy from them. I've not done any research on it, nor will i spend my time doing so--i've got no interest in buying a Kia. If i need to buy a car in the next few years, it will likely be a Subaru Outback or Ascent. Just found the TV ads interesting in light of this discussion. Don't recall the dealership name, but it's the guy who closes with "You're gonna like buying a car this way"--and i always get the feeling i wouldn't!!
earl

[Doug Garson]

Recently one of the Chicago area Kia dealerships has been TV advertising an extended service of 20 years/200,000 miles if you buy from them. I've not done any research on it, nor will i spend my time doing so--i've got no interest in buying a Kia. If i need to buy a car in the next few years, it will likely be a Subaru Outback or Ascent. Just found the TV ads interesting in light of this discussion. Don't recall the dealership name, but it's the guy who closes with "You're gonna like buying a car this way"--and i always get the feeling i wouldn't!!
earl
I'm sure the dealership is counting on the fact that the vast majority (all?) who buy will not keep the car for 20 years, most will keep it 5 years, a few 10 years and I'll bet the warrantee is not transferable. Still, it's a good deal if the price is competitive and the dealer is reputable especially if you keep cars long term.

[Rick Potter]

I would have been all over that 20 year warranty 20 years ago. I currently have three cars that I have had over 20 years, and last year I sold my pickup to my grandson, after having it 16 years.

Of course, being 81 in a few weeks, somehow the extended warranty doesn't excite me too much.

[Bill George]

I would have been all over that 20 year warranty 20 years ago. I currently have three cars that I have had over 20 years, and last year I sold my pickup to my grandson, after having it 16 years.

Of course, being 81 in a few weeks, somehow the extended warranty doesn't excite me too much.

Same here, when your 80 Lifetime Warranty kind of is a non selling point!

[Jim Becker]

A 20 year extended service contract on a vehicle certainly paints an interesting marketing picture, but it's worthless without knowing what it actually covers. 10 year, 100K miles, $0 deductible contract from the vehicle manufacturer that covers everything except wear items and cosmetics makes a more compelling functional picture. Especially when the up front premium is just over two grand. That's about $200 a year equivalent in cost to eliminate a lot of risk for someone who holds onto the vehicle for up to ten years, especially with a pro-rated refund if one disposes of the vehicle sooner.

[Jerome Stanek]

Extended warranties are only as good as the paper they are writen on. Just like tha gas station that has $1.00 gas but they are out of it. What happens if the company that holds the warranty goes out of business or changes names. like some of those that advertise on TV.

[Bill Howatt]

No "What if" about it, it has frequently happened which is why a lot of posters in favor of them have specified getting a warranty linked to the manufacturer.

[Bill George]

Extended warranties are only as good as the paper they are writen on. Just like tha gas station that has $1.00 gas but they are out of it. What happens if the company that holds the warranty goes out of business or changes names. like some of those that advertise on TV.

Jerome what happens if your house gets blown away with tornado, you have no Insurance because you do not believe in it? After all its only as good as the paper its written on. Intelligent people here weigh the risks and buy from companies who are legit, and that's what we are discussing here. Anytime you can get a manufactures warranty for $200 per year (10 years for $2000) and no deductible its kind of a no brainer for most people.

[Jerome Stanek]

Jerome what happens if your house gets blown away with tornado, you have no Insurance because you do not believe in it? After all its only as good as the paper its written on. Intelligent people here weigh the risks and buy from companies who are legit, and that's what we are discussing here. Anytime you can get a manufactures warranty for $200 per year (10 years for $2000) and no deductible its kind of a no brainer for most people.

Does your insurance cover acts of god

[Jim Becker]

Does your insurance cover acts of god
Within some specific limitations, yes, it does. That's what it's for.

[Stan Calow]

Forgive me for beating the dead horse.

What I cant get past is this: for new cars, there is already a manufacturers warranty that cover most things, for 3-5 years (does Hyundai still have 10 years?). And emissions-related stuff for 10 years by law, right? So it seems to me that there is no value added by the extended warranties for the first several years anyway. And most people dont keep their cars that long. Salespeople have told me that transferrable warranties increase re-sale value, but I also point out that none of those dealers asked me whether my trade-in had an extended warranty. What am I missing?

[Bill George]

Forgive me for beating the dead horse.

What I cant get past is this: for new cars, there is already a manufacturers warranty that cover most things, for 3-5 years (does Hyundai still have 10 years?). And emissions-related stuff for 10 years by law, right? So it seems to me that there is no value added by the extended warranties for the first several years anyway. And most people dont keep their cars that long. Salespeople have told me that transferrable warranties increase re-sale value, but I also point out that none of those dealers asked me whether my trade-in had an extended warranty. What am I missing?

When you keep a car past the factory 3 year? We let the folks who buy every 3 years take that big hit on deprecation and we keep them for perhaps ten years. Buying new tires, replacing the oil and filters and battery is lots cheaper than taking a that big hit and the price increases on a new car. That insurance in the extended warranty protects us from the $4000 Transmisson, ECU or electronics related issues.

[Jim Becker]

Forgive me for beating the dead horse.

What I cant get past is this: for new cars, there is already a manufacturers warranty that cover most things, for 3-5 years (does Hyundai still have 10 years?). And emissions-related stuff for 10 years by law, right? So it seems to me that there is no value added by the extended warranties for the first several years anyway. And most people dont keep their cars that long. Salespeople have told me that transferrable warranties increase re-sale value, but I also point out that none of those dealers asked me whether my trade-in had an extended warranty. What am I missing?

With a few exceptions the OEM "bumper to bumper" warranty is generally 3 years or 36,000 miles, whichever comes first, with a powertrain warranty of 5 years, 60,000 miles, whichever comes first. So yes, there's no inherent urgency to purchase the extended service contract at the same time as buying the vehicle new, although some manufacturer contracts add some benefits that are not available in the OEM warranty, such as rental reimbursement during warranty repairs before the ESC takes over after 3 years or 36K miles. The risk of waiting is generally around general price increases. Some manufacturer contracts have a slight cost increase if purchased after 12 mos/12K miles, such as MOPAR. Relative to transferability, that depends upon the specific contract; some have that feature and some do not. In some cases, state insurance laws apply to transferability. Most manufacturer contracts have a pro-rate refund available so if one decides to sell or trade earlier than originally intended, they can get a portion of the premium they paid back. I personally just did that when I traded at four years rather than the seven I originally anticipated and put that toward the cost of a new contract on the new vehicle. For trade-in, an existing ESC is unlikely to affect the trade in value offered by a dealer. A transferable ESC might be helpful for a private sale, however.