1) if it is worth it is 100% up to you
2) when you get it has nothing to do with any 30 day window...you can get it any time up to 4 yrs from the date you bought the truck
3) getting it earlier doesn't save much money either really. I got mine @ 48 months and 16k miles. I paid 150 bucks more than if I had got it @ 3 months & <2k miles.
4) SHOP AROUND....your dealer is likely NOT the cheapest person to get it from. I got mine from Clay Robbins (
[email protected]), and so have lots others on here....he was the cheapest by a longshot when I was shopping
5) I paid $2580 for lifetime w/100 deductible. The numbers you are throwing out means you will pay a lot more, like in the $3800-$3900 range....if it were me, unless you KNOW you are keeping it past 100k, I'd leave what you have the way it is
As to the refund on a lifetime.........there is none after the 1st 60 days or so. The time frame for a refund starts from the day the vehicle was put in service....or the day you got it...NOT the day you buy the warranty. So, in my case, the day I got the warranty, it was 'in service' for 4 yrs already, and at 7 yrs, the ONLY refund you get is $25, and that's if you haven't used it.
The moral is, don't plan on getting any refund on it.......
Other non-lifetime plans have different refund rules......but they all start at the vehicle in service date, or the date it was purchased the 1st time. IE, had I got the 7 yr plan, I'd have paid the full price for it, but only gained 3 yrs of warranty, cuz the truck was 4 yrs old. Keep this in mind if buying less than lifetime.
I chose lifetime for mine cuz of the following reasons:
1) I don't drive it much, and know it will be much newer than it appears, and will last a long time
2) Too much electronic stuff on them now-a-days and it is all intertwined heavily that are very expensive or replace or repair
3) I have already had some minor issues with the trans (shifter really) that had me looking into the cost of repairs
4) I don't want to have to be working on it...if I can pay $100 and have it fixed....awesome
5) I had the money
6) This will likely be the last new truck I get as I'll be retired when it's time to replace it (if that time arrives)
