<prompt> Human: I bought one when I got my 08 with 39k miles on it. Low miles, but old car. Cost me 4 grand. Now I dont make a ton of money, it raised my payment 30 a month. So far the car needed pretty much a whole new front end, to the tune of 2100. I would of had to pay out of pocket for all that, which I didnt have. I wound up paying my deductible of 100. I realize the warranties are expensive, but mine has already paid for half of itself. I think they are suited for people who dont have or keep 2-3000 for random repairs that can happen.  <response>: Half of the profit dealers make on selling cars is made in the finance office on things like warranties. Many third-party warranties have long lists of excluded items, and dealers usually mark up the price of manufacturer warranties way above their actuarial value. Statistically, youre better off taking the money you would have spent on a warranty and dumping it into a high yield savings account. 