Do you get the extended warranty?

[Mark_888]

If you have the misfortune of a mechanical failure, that is not going to make your rates go up. The mechanical breakdown coverage is unrelated to your other coverages (liability, collision, etc). That doesn't mean the rate will never increase (rates increase when the cost of doing business increases), but it won't be as a "penalty" for using the coverage. I don't think "too many claims" is relevant with this coverage since you have no control over the reliability of your car. Having said that, if you're taking your car to the track on weekends for drifting competitions, your coverage may be voided.

Okay, I used to work claims for an insurance company many years ago. I don't do that anymore. Don't take this reply as gospel, but my understanding of the overall process as I recall it.

If the extended warranty is regulated as insurance in a particular state (FL may be an example) then what you say may apply. However, if the extended warranty is just sold on a monthly basis as warranty coverage, they can do whatever they want, including drop you (unless the terms of the contract state otherwise). I am not saying that anyone has ever been denied an extended warranty (or had a month-to-month warranty terminated), but just saying what could theoretically be the case.