My advise is to put the same amount of warranty premium in a money market account and earn a 2% interest. You may or may not need the warranty, but once you paid, the money is gone. With the money in the bank, you can withdraw for car repair whenever you need it, plus earning a few bucks of interest won't hurt either. My 2 cents.

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95 R129
04 Infiniti G35.5 BS
10 X204