Joe.
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.
Rob