Like others have mentioned, there is no one answer to fit everyone's situation. The OP spent $2250 on a steering rack that costs $1k new for the part. If you do your own wrenching and maintenance on your vehicle the cost would be your time plus cost of parts. Personally, my time is worth a lot less than $1k for that job since I get value of knowing the work is done by me and I have a better connection with my vehicle. If it was my wife, she would pay the fee for the warranty as she barely knows how to add air to a tire (thankfully she has other redeeming qualities). For major operations, I have a local shop that I trust who can do the work and completes it with astounding quality.
If you are hell bent on adding an extended warranty, you could consider alternative warranty companies and looking at some with a deductible that is a bit higher, then keeping that cash in an account for that deductible. A higher deductible warranty should come with a lower upfront cost.
EDIT: I had a Zurich warranty on my Audi and never had to use it. Great car, but got rid of it to get a Touareg about a week ago to fit my kids in the vehicle.
If you are hell bent on adding an extended warranty, you could consider alternative warranty companies and looking at some with a deductible that is a bit higher, then keeping that cash in an account for that deductible. A higher deductible warranty should come with a lower upfront cost.
EDIT: I had a Zurich warranty on my Audi and never had to use it. Great car, but got rid of it to get a Touareg about a week ago to fit my kids in the vehicle.
