Never, ever, ever extended warranties......ever! You would not believe what a profit center and cash cow extended warranties are for the dealership and the underwriter. I have worked in a Ford and Toyota dealership in a sales capacity. I have seen it all. I have done it all. I know where the cash comes from and where it goes. If you do your homework and research your vehicles, you will never, ever, ever need to pay for someone's vacation or Christmas bonus again, (by forking over thousands needlessly). Sure, it pays off. About as often as the lottery. The numbers are staggering. I wouldn't have believed it myself if I hadn't seen it first hand. Also, never, ever, ever, ever bring your vehicle in as a "trade-in". You might as well bend over, and bring extra lube!