PhilDavid
Active Member
That's true if you insist on taking it into the dealership, handing them the fob and saying "I have no idea what's going on, just make it work again" which is what far too many car owners are comfortable doing these days.
If I pay $100k for a car that is new the full expectation is that it will include a warranty and I've already paid for the luxury of being lazy and letting them fix whatever the issue is regardless of the repair bill. Some place high value in this. I grew up wrenching on cars and PCs so I have no problem at all doing the work myself so I'm not willing to pay much more for this luxury.
Like most items I own I'd rather pay less and own whatever issues come up so long as I can verify the item prior to purchase is worth whatever I'm paying based on existing condition. If it's a mess but is $15k less than other examples I've looked at it's up to me to determine if I can fix whatever the issues are for that $15k or less with time factored in. That's a pretty simplified way to look at things.
If you have no problem trouble shooting yourself and are fine with fixing 90% of the problems should they come up then insurance/warranties aren't for you. I gave a great example earlier of something that costs a thousand bucks at the dealership and there are four of them on the car that you can fix yourself with a minimal amount of diagnosis and a few bucks in parts. Two hand tools and an hour of your time later you're down the road with it fixed.
The more common the problem the more likely there's several sources online in the form of conversations or videos that show you how to diagnose & repair yourself. What I've found is that I rarely actually need to use a warranty when I have it and almost prefer doing the work myself to know that it's done right. If it's not done right I have myself to blame whereas if someone else does it I don't know what they did to "fix" the issue. I also know that when I work on my own cars I'm going to own them for many many many years and I treat every single part careful with this in mind. I've seen how they "fix" cars at dealership service sometimes and I'm not overly confident that the repair won't result in larger issues down the road. This happens more often than you think.
Ah. Not everyone has the skills you do. Most of us would break things make the situation worse by trying to fix on our own. I can imagine breaking clips and all sorts of little pieces if I ever decide to get into one of the doors to fix a door handle and make things far worse.
Like I said, no right or wrong way to do this. If you are comfortable fixing things or can tolerate risk, go unprotected.
Plenty of people go unprotected...