So you want to pay $2500 for 27,000 miles that comes to $0.09 per mile + $100-$250 deductable per incident ( remember not per visit). Not a good ROI.

Don't be taken by the F&I artists. I can bet you a beer that come the 100k milestone, you will still have most of your money at which time I am entittled to a 50-50 share.

Be a DIYer and take the car in for cases where you cann't handle.
Good luck and pray!!!!!