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I prefer to separate my auto-insurance from any warranties.
This is a great example. When I obtain a new vehicle, I want to be sure that I have warranty for X years at X cost. I don't want to worry about rising fees and/or cancellations.
Progressive also offers GAP-insurance so you might think it's a good idea to skip that when you are purchasing/leasing at your dealer. But again, what happens if it gets more expensive or worse, they stop offering it? Who will provide you with that coverage then? Do you want to be bound to your current insurance just to keep this coverage (for example, GEICO didn't offer GAP-insurance).
I prefer taking care of these things when I take delivery and not having to worry about it later as long as I keep the car.
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