When you’re driving along the freeway listening to the music and hearing your wheels hum, the last thing that comes to mind is vehicular chaos. What happens to your car after the warranty expires? Spoiler: Your car will not suddenly stop breaking. You can now get extended car warranties. Go to this page.

Imagine Steve as the proud owner a red hatchback. The engine light on his car flashes in the morning like disco lighting from a 70s club. Steve did not have a warranty extension. Guess who spent a lot of money on repairs? Guess who spent big bucks on repairs? This guy.

Here’s the thing about extended warranties. There are many different types of extended warranties. Some can be likened to a maze with smooth paths and others that have potholes. As with asking friends if they think pineapple should be on pizza, surveys reveal mixed opinions. You have the ardent supporters, the skeptics and the “I really don’t care” crowd.

Let’s start by talking about the different types. There are contracts from third-parties and warranties that are backed up by the manufacturer. Manufacturer warranties can feel like a hug from your fluffy teddy — they are safe and familiar but sometimes more expensive. Third-party ones? They are like the new flavor you might find at your local ice-cream shop. It may be something special, but it could also leave an unpleasant taste in your throat.

Aunt Maggie is adamant about her SUV’s manufacturer warranty. She said, “It is like having a mechanic on speed dial without a bill at the end.” You should read the fine prints.

The biggest advantage of third-party warranty is their flexibility. The third-party warranties let you pick your mechanic. It could be Billy, the guy down the road who knows the car like the palm of his hand or the service center with the free coffee and Wi Fi. What is the catch? The catch?

Lisa told me, “Watch out for exclusions.” Her warranty did not cover anything beyond the windows and seats. She didn’t read all the details and was misled by a persuasive speaker during a weak moment. Lesson? Take the time to understand these terms.

Cost is a completely different animal. Some end up paying more in premiums for repairs than they would’ve paid. This is like purchasing insurance to protect your umbrella from the sunshine. Yet, for others, extended warranties have been knight-in-shining-armor moments, saving them from financial distress worthy of soap opera plots.

Always do your research on spark plugs. Compare the options. Ask those sales people at the car companies for their cold, hard facts. Google and Reddit until your fingertips hurt to get all the details. This is like a net that you set to find the most succulent catch, instead of opening your wallet hoping for the best.

Here you go. Extended warranties are either your best friend, or they can be your loud neighbor. One day, extended warranties may help you out and the next it might cause you a lot of trouble. It all comes down to comfort and driving style. Always remember Steve, and always trust your gut instincts. Don’t be Steve.