I'm surprised the option of an extended warranty is still available on a
2000 model car. When making your decision, please consider my experience:
Earlier this year, I bought a 2000 Focus from a dealer, and also opted for a
Ford of Canada extended warranty package to go along with it. I had to pay
an up-front cost of $1200, but felt this was acceptable, to give me the
peace of mind of not having to pay for a major repair, while also paying for
the car, itself. Ford had four levels of protection available, and I chose
their second level. It protects the drivetrain and some, but not all, of the
more vital components. I felt there was an acceptable level of risk in
leaving some components uncovered. The dealer told me that the majority of
their warranty purchasers also choose this level.
Within two months, a problem developed with my car (failed ignition switch),
and Ford refused warranty coverage. I appealed their decision, but could see
I was just wasting my time. I would need the highest level of extended
warranty to have been covered. This one $300 repair, alone, would have made
purchasing that level of coverage worthwhile. Naturally, I now regret not
having purchased more coverage.
If I had it to do over again, I'd either decline extended coverage all
together, and keep the money on-hand, or I'd go for the highest level
warranty available, to be sure that everything was protected. I think these
are the only two viable choices. Partial protection seems, in retrospect, to
have been a poor choice. I can still come out ahead, but only if no other
component on my car fails. What do you suppose my chances are?
For some cars, extended warranties may not offer good value - the Ford Focus
is probably not one of those cars. I would recommend to any Focus purchaser
that they also buy the highest level of warranty coverage available, or look
at purchasing another type of vehicle.
BTW, I should also mention that my extended warranty also gives me access to
Ford's roadside assistance service. I had to use it when my ignition switch
failed, and found the service to be excellent. If that same service is
available to you, that might impact your decision.