Well, haven't posted too much due to an array of medical issues in the house, but hopefully now all is in order. Anyway, I learned something new about extended service agreements when recently buying a new car, and just wanted to share. So, we are trading in the 2002 Forester for a 2012 Outback....met with the finance guy after negotiating the $$ of the car (you know, the three hour ordeal), and anyway...here is what was proposed: Base car has a 3 year/36000 mile warrantee....then you can purchase an extended service agreement, which I was confusing for a warrantee for: $1600 gets you 5 year and 60,000 total miles....so you are looking at $800/year for years 4 and 5 $1950 gets you 8 years and 120,000 total miles, so you are looking at $390/year for years 4 though 8 In addition to this, these is a $100 deductible for each incident/service. Everyone with me so far?......so, then, I ask about exclusions...finance guy mentions like 3 things...and I said "thats it"....he says "yup" I read through the brochure and see a few comments about "see contract for list of exclusions) So, I get home last night...have "busy head" cause I can't sleep....so I get online and find the contract.....well, there are about 100 items excluded....with the biggie being no radio over $750...well, this car has a fancy stereo, so thats out....now I am leaning not toward buying the plan. So I get through the contract, and then visit the sites FAQ section....and here IS THE KICKER. I read down the bottom of the page and see "the total amount of your claims cannot exceeed the original purchase price of the contract"...WOW....are you kiddng me??? So, here is an example: Without service agreement....again, not an extended warrantee as I thought: 3 auto repairs at $800 each after the 36000 miles....total cost to me would be $2400 With service agreement: 3 Auto repairs @ 800 each after the 36000 miles....total cost to me would be: 1st repair paid at $700 (I pay $100 ded) 2nd repair paid at $700 (I pay $100 Ded) 3rd repair paid at $550 (I pay $100 and then another $150 as there was only $550 left on the plan) So, with the extended plan, my out of pocket costs would be $2400....Why would anyone pay for one of these plans?