I called the number on the "Stop Repair Bills" commercials just to get a quote. I spoke with a male representitive that told me my car would qualify for a warranty at 210k+ miles. He then told me that he might be able to get me a better policy to cover more on my car because i stated nothing was mechanically wrong with it. (which at this point is very true) So, he put me on hold for no more than 2 minutes and comes back stating his supervisor had given the go ahead to put my car on the policy for cars under 200k miles. (he must have talked quickly to relay all that had been said by me) So he says it would be $598 a yr for 5 yrs or $2898 all up front, or a down payment of $295 and $128 a month for 18 months. I told him I had just called for a quote and thanked him for his time. He began with "before you hang up, why not take this today?" I told him i had just paid bills and my debit card was low and i couldn't do it at that time. Then i was told, " hold on and i'll see if i can get that payment lowered and get you started". A second man gets on the phone this time. He explains he's a supervisor and the representitive had explained the situation and wanted him to see what he could do about lowering the deposit. Yet again i told this man i had only called for a quote. After explaining the money situation again he asks "How much do you have?" So i told him $80. He then came back with i can do it today for only $75. I said i'd have to talk to my husband. He said he'd wait. I told him my husband was at work. "then call him..." I tried to explain to him that if i did that he would probly get fired, extended warranties are not an emergency... "Then give me his work number and i'll call him..." WTH?!? I kept telling this guy no but he kept pushing. I told him i'd call back after talking to my husband and just pay the $295 deposit. This was his response, "Well, if you hang up now and don't take this policy then it won't be available later. This is your only chance to take advantage of this." So, i apologized for being rude right before i hung up the phone on him.
Granted car repair bills can be expensive, but by no means have i ever encountered a repair shop that charges $120-190 an hour for labor on the east coast as the second man i spoke with had stated. The Acura dealership near my home only charges $50 an hour. My point is this, I would rather search around for a price that i wanted to pay for future repair bills than give these people any of my money. If they were reputable they wouldn't have to be so pushy or say things like "this is your only chance to get this at all".

I sent an email into stoprepairbills.com and received a message stating that someone would call me. They called me a few hours later and I spoke with a Robert at ext. 2121. The guy kept trying to sell me on paying $295 down and about $128 or so per month. The commercial stated that my car would be covered for repairs if it was under 250, 000 miles. Mine just barely went over 150, 000 so apparently I wasn't elligible for the full repair coverage they had. He told me that they might be able to make an exception in my case because the SUV is in good shape and was just barely over 150, 000 miles. After he had told me how much it would cost (more than my full coverage auto insurance and more than my car payment each month) I told him that I didn't want it. I kept trying to tell him that I really didn't have very much money to spend each month on anything else (about $50/month). So he talked with his finance manager to drop the $295 down and he would only ask for $50 down and the +$100/month. I told him that I ONLY HAVE $50/MONTH IF THAT TO SPEND. He really didn't get it. He kept trying to get me to talk to his finance manager. I finally agreed, talked to him and told him I didn't want it and just to send out an info packet so I could give it to someone that might want it (just to be nice). They kept trying to sell me on it until I told them NO about 10 times in a row. The guy ended up hanging up on me and wasting about 20 minutes of my time.

The coverage really isn't worth it for that much. Granted, I have a 1999 Isuzu Rodeo LS with about 153, 000 miles on it. It doesn't have any problems right now. If I saved that much money each month, I'm sure I could pay for any repairs, maybe even buy a second car, with the amount of money they were asking me for.

BAIT & SWITCH...
When I spoke with the representative on the phone the details of coverage explained & e-mailed to me did not match the contract paper work. When I questioned the discrepancies, it was explained “I must have misunderstood”, I explained I had an e-mail with the details & price quote, which I had to forward back to a manager (I guess he thought I was lying). When they called back they were very abrasive and challenging, no offer of a solution, compromise, or apology for what could have been and honest mistake. Since I had to pay a 10% deposit to secure the policy & rate offered in order to have the contract sent for review, signed and returned, I had to fight for a refund. They continued to keep trying to sell me policies. Ultimately, I called my card company and filed a fraudulent charge in order to receive my refund. After I received a call back from a “manager” telling me I was “out of line” going to my credit card company. Unbelievable!!!
Fight harder to get the copy of the contract prior to paying anything, even if you all ready have it in writing via e-mail.