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Who is behind the warranty that you're considering? An extended auto warranty may be backed by an independent warranty company (these are known as aftermarket warranties) or by the covered vehicle's manufacturer. Knowing who will be underwriting your policy can give you insight into the strengths and weaknesses of the contract you're considering. Manufacturer-backed warranties score very highly when it comes to ease of use. However, aftermarket warranties are often cheaper. (If you opt to purchase an aftermarket warranty, take a look at how the company's financial strength has been rated by A.M. Best and/or Standard & Poor's; this will give you an indication as to its ability to pay your claim. Your safest bet is to choose a company that has a minimum "A" rating with Standard & Poor's, and/or a minimum "A" or "A-" rating with A.M. Best.)
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You've seen it happen time and again.
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