My last new car(RAM truck) purchase was in 2022. I knew I was going to go through the extended warranty before buying, so I rolled the process into the sale of the truck. We negotiated over email, and I told them I didn't want the ext warranty and I didn't want to discuss ext warranty, and I would not buy from them if we didn't cover that process in advance. Of course they said no, and I said no sale. Three days later the dealer salesman emails that they will make an exception for me. We can go through the ext warranty before purchase.
Then, he sent an email with some ext warranty info and a link to the post-sales guy, who was rightly confused that I had not already paid my money. He was nice enough and said if I don't want it, that I don't have to buy it(I knew this of course). In closing, he said they offered discounts for vets, and first responders. So I sent him an email back saying load me up the price discount for me: A. Vet, B. First responder, C. Teacher, D. Senior citizen. He gave me a number and it was pretty reasonable, but I know the ext warranty has a poor payout record.
I took the price of the ext warranty back to the sales guy and said 'hey, let us split the cost of this and I'll pay cash'. He refused, ok then thanks. Another three day wait and he emails back that we could do the ext warranty cost split. I'm facing 70, and I don't want to get under or in a big truck to mess with powertrain ever again.
FF to 2026. I'm driving along and when the green ECO light comes on the dash, I get a very mild hum. I drive(towing) it some more and the hum when in ECO gets a bit worse. I know that hum. It's a U joint going oval. Back to the dealer service and I tell them one of my four U joints is failing. They tell me that can't happen they are a 'lifetime' component. I said to the service writer that it's going to fail catastrophically within 3000 miles, and after that they can tow it in(at their cost) and fix it then, or go do it now. 48k miles, mostly towing. We get it on the rack and I tell them what to look for. Yup, the third U joint is disintegrating. No zerk fitting to grease them either. My ext warranty just paid for itself.
I advise them to replace all four but they can't do it. I've got good money says one more of them is going to **** the bed before 100k. I tow 90% of the driving time because that's my use case for having a 3500 RAM 4x4. To tow ~10k Lbs often.
Just wait for the 2027 models anti-drunk driving surveillance features. Should be interesting how that shakes out.