Catch 22. I have done both ways. The most notable time was when I bought a program car (1990 Cougar). Nice car with near perfect appearance and performance for a good price. At the signing of the papers I got the usual hype about this and that, and finally agreed to $900 worth of what I figured was wasted money. It had some factory warranty left, but not much, and the extended warranty went for an additional 60,000 miles, $50 deductible per incident.
Right after the factory warranty went, the A/C quit, and both door glass motors gave out (???).
I took it in, they combined the call and charged me $50 for a little over $1800 worth of work on the car. It was the only time I have used ANY warranty in my 50 plus years of owning cars and trucks. Yep, been lucky I guess.
I did buy a 14 Durango, got the extended warranty on it. Too much learning curve to work on that thing.
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