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My 4110 is a 2004 model. No extended warranty and fourteen years later not a hint of a problem. I thought the reason why many purchased Deere equipment because it was built to last many trouble free years. I bought a used NH TC45 DA with an extended warrantee. Shortly after taking delivery the tilt / telescope steering wheel would not extend. The instrument panel fogged up with condensation making reading difficult.There was one additional problem that escapes me but I have warranty, .... right ? The dealer states they will repair the listed items at my expense only. The warranty only covers the drive train. Moving on to a NH TC 55 DA HSS , I did not buy any additional warranty due to limited coverage. Eleven years with no problems.
I have little belief in extended protection if the unit is operated properly and has proper maintenance. I never purchased one on a new motor vehicle for the same reason.

* Every two weeks without fail I get a call from a warranty company telling me our cars are out of factory service . For minimal cost they will replace five thousand dollar transmissions and six thousand dollar engines free of charge with this service. They do not understand blocked calls either.
 

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The deal with any extended warranty is... DO YOU FEEL LUCKY? :) Any piece of equipment can have issue regardless of brand or how it has been treated. Sometimes things just break.

In most cases you are able to purchase an extended warranty any time during the original warranty period. I've never been a big believer in extended warranties but I do feel that if you have a piece of equipment that has been problematic during the original warranty period then perhaps an extended warranty would be worthwhile - IF the warranty will cover the types of problems you've been having.

In almost all cases extended warranties are a big profit generator for manufacturers. They are betting that you won't ever have a problem and you are hoping that somehow that the extended warranty will pay off.
 

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I never bought it on my 2012 1026R and it has paid off. All my major concerns were within the standard warranty period and nothing since so I saved on this one.

I generally never buy extended warranties, and I have to say that over the years I am way ahead of that game. However, just yesterday Mrs. C and I bought two real nice La-Z-Boy chairs for ourselves and I went for the 7 year "platinum" warranties for $150 for both chairs. Mostly because it also covers damage from neglect such as cut or torn leather, I figured with grand kids running around that it might be a good thing to have. (anxious for the chairs to be delivered next week so I can do some serious loafing :drinks:)
 

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Tractor wise I have never bought any extended warranties and have never had an issue.

One way to look at it is to “self insure”. If you put back the money you would pay for the warranty then use that money for any repairs.

I had never bought one for my vehicles until recently. For my previous truck I had for 9 years I kept perfect records. I added up my out of warranty repairs not including regular maintenance items. It came to $2350.

So when I bought a 3 year old used truck this past spring it was still eligible to buy Ford’s extended warranty which I did. I am not used to buying used vehicles. The cost was $1100 for 5 more years and 30k miles with a $100 deductible. Comparing that to the $2300 I spent on the last truck I figured I would be ahead of the game.

Also I added in the fact that the extended warranty includes roadside service and towing. If I deduct the $85 per year for AAA it comes to $425. Deducting that $425 from the $1100 I essentially am paying $675 for 5 years of warranty. For the price the peace of mind is well worth it especially with all the electronics in vehicles these days.

That said - I would never buy into a 3rd party extended warranty - I can just see a lot of issues with what will be covered and which shops you can use.
 

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I used to get calls from warranty company's for my truck, and the wife's car, I tell them not to call anymore and that doesn't work.

The last call I got from them, I told them I was interested, so they started asking all the questions, when they got around to asking about the millage on my truck I told them it had 650,000, he hung up and has never called again.

Play their game.:lol:
 

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Play their game.:lol:
A couple of times after working my way to the front of the checkout line, I'd get asked if I wanted the warranty for the item. I'd ask if it was really necessary. If I was told yes, then I'd say, "I guess I really don't want this piece of crap," and walk away. Didn't get what I came for, but it seemed worth it.
 

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A couple of times after working my way to the front of the checkout line, I'd get asked if I wanted the warranty for the item. I'd ask if it was really necessary. If I was told yes, then I'd say, "I guess I really don't want this piece of crap," and walk away. Didn't get what I came for, but it seemed worth it.
Had an experience like that with a window air conditioner. Salesman asked if I wanted the extended warranty, which I declined. He then went on a high pressure sales tirade about how I was taking a big risk and how the compressor could fail and how expensive it would be.

I looked at him and said that if purchasing the unit was going to be THAT risky then perhaps it would be in my best interest to look for something else - and left the store.
 

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but I do feel that if you have a piece of equipment that has been problematic during the original warranty period then perhaps an extended warranty would be worthwhile.
But at the same time, if I was having such problems during the initial warranty then, chances are Id get rid of the item and go for something that may last a little longer without all the problems. :thumbup1gif:
 

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But at the same time, if I was having such problems during the initial warranty then, chances are Id get rid of the item and go for something that may last a little longer without all the problems. :thumbup1gif:
That can be difficult with something like a car or a tractor where dumping it early can lead to massive losses.
 

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Short answer:
I dont buy them.

Long answer:
Extended warranties are not sold to help you out, they are sold to make the seller money, period.
While they do sometimes pay to have, that is not the norm. If it were, nobody would be selling them.
The companies selling them do cost analysis on them like anyone selling anything. They know that some people will get good value for them, but for the most part, no one else will. They are hoping you are a "have it and not need it" kind of person with regard to warranties, and they know from their own research that worst case, MOST of their customers end up being just that.

A company I worked for years ago used to sell extended warranties on everything they sold. They had their own service center, so it was kind of a no-brainer for them. If we sold one, we were paid 50% of the cost of said warranty. As I understand from some friends who worked in the auto sales industry, the practice is similar, with different percentages paid. I would imagine the tractor warranties are similar.
Most of these are easy to sell, as most things they are sold on are financed, so an extra $5/mo for an extra X years coverage? Why not, right? Well, thats their hope anyway.
Back then, we were kept in the loop about lots of things with that company. We were told how many were sold vs how many used, etc. They wanted us to know exactly what we were selling, which really doesnt exist today. Shame that company went out of business a few years back, but they started doing strange things business wise about 10-15 years before that, so some of us knew the writing was already on the wall. Anyway, I vaguely recall that less than 10% of them were ever actually used, and of those used, it only took about 2-3 sold to cover their repairs. Thats a darn good profit margin.

This is kinda like the discussion about Deeres own extended warranty, as long as you have them perform all the services, at a much higher rate than you might otherwise pay. Im pretty sure that one ended up with the general consensus of "not a good value" due to the actual cost vs expected repair costs over that time frame.

Now, there are guys who want nothing to do with working on their own tractors. For them it may make sense, just for the peace of mind, because thats a lot of what you are buying.
My Mom bought one on a used vehicle she bought a couple years ago. When she had a problem, guess what? The warranty didnt cover that particular issue. Luckily, the dealer did cover it anyway at their expense. Had it happened a year after she bought it instead of a couple weeks, they likely wouldnt have. It makes her feel somewhat better to have it, so fine.
I personally wont buy them.
I do all my own maintenance and repair work anyway, as I like doing my own work on things. There is zero incentive for me to pay someone else to do work I can do, at least as good, and likely better than they can. Being that I care that my machine will be around for a long time, Im not likely to take some shortcuts Ive seen taken with regard to mechanical repair work. I guess you can say that more often than not, I dont trust others working on my stuff.
That and my repairs get done MUCH faster than waiting 2-3-4 weeks (or more) for the dealers to get around to it.
I also do quite a bit of research before I buy something that requires maintenance. With vehicles, I find out what, in general, lasts the longest with the least amount of repairs. Then I find something in there that I like. This kind of "shopping" limits a lot of the issues before they become issues. Its why I drive an 02 VW Jetta GLS Wagon TDI 5-speed with 341000 miles on it. They are known for not having issues. Its the same thing that goes into every vehicle or equipment purchase, or really, any purchase I make.
Theres no magic to it, but some of my friends seem to think there is because I get great value from purchases I make.
Sure theres the oddball issue here or there, but I believe this keeps them to a minimum.
 

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So many ways to look at this issue.
It's insurance, that's all it is.
Yes, one can be overly cautious and insure himself into the poor house.
On the other hand, who can afford a multithousand dollar repair?
I generally don't think they are a good investment, but am strongly considering one for my next tractor. Simply because I am financing the tractor, and I don't want to ever borrow money to repair something that I am making payments on.
There is not a wrong answer to this question.

Now I wouldn't consider a 3rd party warranty, but again I am sure someone can chime in with a positive experience with them.
 

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So many ways to look at this issue.
It's insurance, that's all it is.
Yes, one can be overly cautious and insure himself into the poor house.
On the other hand, who can afford a multithousand dollar repair?
I generally don't think they are a good investment, but am strongly considering one for my next tractor. Simply because I am financing the tractor, and I don't want to ever borrow money to repair something that I am making payments on.
There is not a wrong answer to this question.

Now I wouldn't consider a 3rd party warranty, but again I am sure someone can chime in with a positive experience with them.
Purchasing a JD extended warranty does not necessarily protect you from a multi-thousand dollar repair. Even extended warranties only covers a relatively short period compared to the typical life of a tractor. The warranty will likely run out long before you get rid of the tractor. There are lots of expensive things that can happen to a tractor that won’t be covered by any warranty. Basically if the tractor has been problematic during the initial warranty period then perhaps it might make sense. Otherwise save your money and use it towards any repairs that might be needed.
 

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i did not buy the extend warranty on this new 835r gator, but............been kicking it around a lot as of late.

it will only cover up to 600 hrs on machine--for $500 i will only get another extra yr of warranty--then if i want another yr its $700 but if i reach that 600 hr mark in the middle of the 3rd yr its over than.

the only reason i'm thinking about is all the electronics in the dash, i mean it has a lot of little idiot lights in it. every time i start it--i think jeepers--i sure hope they all go out for sure:laugh: i mean i love my heater, A/C, all them nice goodies i call em.

i got right at 70 hrs on it now, bought in September IIRC- so i'm on the edge right now if i want to spend another $700.

and when my sales lady told me these prices, i said they must of went up in price since last fall, as i thought the one yr extra was only around the $300 mark:dunno:she claimed no it was that high last fall:unknown:i don't know-but i think this went up in price like our tech manuals did:banghead:
 

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I don’t buy extended warranties. The folks that sell them are in business to make money. It wouldn’t be profitable for them to sell warranties on stuff that tends to need repair.
 

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I don’t buy extended warranties. The folks that sell them are in business to make money. It wouldn’t be profitable for them to sell warranties on stuff that tends to need repair.
Like any other form of insurance.
What really sucks is that the people that can afford it the least need it the most.
 

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We purchased an extended warranty on my wife's '11 Ford Edge, it cost us $1900. The main reason we (she) purchased it was simply to be under warranty for the terms of her loan.
Complete rear brakes due to faulty calipers, rear window wiper, that little wide screen TV screen in the dash, front tie rod ends & alignment and couple of issues with the panoramic roof and it has more than paid for itself. These are all based on the dealers pricing of course but no regrets from us on this vehicle or the warranty that my wife purchased. YMMV
 

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I don't purchase extended warranties and as little insurance as possible.

For example, on our homeowner's insurance, we have a 1% deductible. Which means the deductible is over $10K. So, yes, it is a major claim coverage only. In the 20+ years we've been here, there has only been only one instance where we had what may have been a claim--though I'm not sure if it would have been covered. However, in terms of premium dollars saved verses a $500 or $1000 deductible policy, I've covered that $10K deductible several times over.

Our pontoon was destroyed in a super cell storm of 2015. It was picked up out of the lake, carried 75', and dropped back in, upside down. I don't carry insurance on it. So I absorbed the loss and the removal expenses 100%. It took a few ropes and about 15 guys to upright it. By the time I factored in depreciation, salvage value of the pontoon (the outboard I recovered 100%), I was out about $7K. However, if you add up the premium I would have paid for coverage the 11 years we owned it, I was out $2k. If you factor in the premium I would have paid on the jet skis (that were undamaged), I'm still ahead of the loss by self insuring.
 

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To me, it’s situatonal.

Certain products/price point - it’s worth it, others not so much.

Tractor/ATV in general - not worth it. Basic design and if I’m buying I stick to proven drivetrains, so it’s a chance worth taking for me. Could I get bitten by a repair of 600-1k, sure - but if I’m paying that for a warranty - it’s a guaranteed losing hand from day 1. I avoid electronics as much as possible - obviously though, more of these pushes the equation in favor of a service plan.

Auto’s, I have personally found the plan Ford offers to be worth it cost wise. Pushes warranty vehicle wide to 7 years/100k miles and cost like $650. One minor issue and it’s paid for. The plans sold by dealers not admistered by the maker are notoriously high profit items, just like pre paid maintenance and paint/wheel protection plans - just say no.

Tools, again in general not a good idea. They look appealing because they are “cheap” - only $35-40 on a $300 tool - sounds cheap right. Odds of failure and chances you’ll remember buying it and have the paperwork if you have a failure are how these guys make money.

Ditto appliances. The new trend is a “refund” if you go the full 5 year term without a claim. The refund must be initiated by you within 30 days of expiration and is in form of a store credit. Guess what happens if the store closes - yep, bye bye refund (even though the warranty is not admistered by said store - I was told the agreement between the store and admitsrator was for store to provide the credit).

Phones - I do AppleCare - price wise and what it covers is a decent deal. Same price as they want for a case. I went sans case and if it breaks, I’m covered still with a new phone. Others offer decent plans around the same - but I’d avoid the carrier offered insurance plans.
 

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To me, it’s situatonal.

Certain products/price point - it’s worth it, others not so much.

Auto’s, I have personally found the plan Ford offers to be worth it cost wise. Pushes warranty vehicle wide to 7 years/100k miles and cost like $650. One minor issue and it’s paid for. The plans sold by dealers not admistered by the maker are notoriously high profit items, just like pre paid maintenance and paint/wheel protection plans - just say no.
I got turned off on Ford's scam years ago. I bought the extended warranty and when I had an issue with some sensor (I don't remember which) I was informed that "Oh, the XXX plan option that you purchase doesn't cover this, if had you purchased the YYY option then it would have been covered". XXX? YYY? The dealer never mentioned anything about different plans when I purchased the car and warranty. Anyway - never again.
 

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I don't get extended warranties. The one time I did back in the 80's, was on a new Ford truck. In the end, I just felt like I was shafted. Maybe I've been lucky all my life, but I've never needed to take a vehicle back for a major repair. Sure, I've had a few that had some minor problems, most of which were intermittent problems the dealers never seem to fix. When I get those kind paid off, I unload them for a new vehicle. So far, I've rolled the dice and always came out ahead of the game by not getting extended warranties.
 
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