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Some dealers may offer only one brand of contract, and this may be either the manufacturer's brand or an aftermarket brand, depending on the dealer. If they do not initially offer the manufacturer's brand you should specifically ask about it to see if they have one. I remember going to one dealer with a friend who was purchasing a new Ford SVT Contour. My friend was offered an extended warranty for the vehicle, but it was an aftermarket brand of contract. He asked about the Ford Extended Service Plan (ESP) brand of contract but the finance person told us that they sold only the aftermarket brand and did not have any information on a manufacturer-backed warranty.
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The reason a dealership may claim to sell only one brand is that they often make more money on the aftermarket brand and/or that brand may be tied in with the dealer. Many dealers have their own brand of contract, in which they have a financial interest, with a fancy name to make it sound impressive. One thing is certain, if there is money to be made, then the dealer is going to be involved; that's just smart business sense. Keep in mind that the F&I person's commission may also be tied into the brand of contract that they are trying to sell you. You should explore all of your options based on what you want and what your needs are rather than letting the dealer lead you down a path of excessive warranty coverage just to score a higher commission.
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