these days a car can break down at any time or mileage its all about chance if a car never breaks down, the warranty can seem like a waiste of money.. i think for the average of us the work paycheck to month bills, its a smart investment if u can afford it, if u have xtra money floating around for emergencies than its best to take your chances... some breakdowns can cost up to $5000 all the way down to $200 minimum... one engine/tranny,or 4x4 unit goes bad it can get costly quick... i would say again if u have alot of money why waist it now just take the chance and fork over the money when needed but if its an xtra bill u can handle then do it, cuz if u need $2500 today to fix a car u may not have it at once..