Its really in how much you are willing to pay and how long, if its a 5 yr 60k its really only covering you for the 2 years or 24k miles after your factory expires and these are very negotiable, they started me at $100 a month for 5 years 100k miles and when all was said and done i paid under $5 month but only got 5 yrs 60k, but I got the tire and wheel coverage in case of scratches or flats and I got the paint sealant once a year included. Ill have to go check what the actual $ cost was. I forgot how they worked the numbers in the deal now. And you can always cancel after the fact and get a refund for the unused portion of the warranty. Or if you total or trade it before the warranty expires you can get a credit for the unused portion as well, either as a check or towards the next car you buy.