Originally Posted by
WestPablo
My Extended Warranty answer is always as follows:
No! If it breaks, I'll just buy a new and better one! 
Upgrade to the Shift 3 and accept no other offers!
My answer to the question of insurance it so look at the sales person seriously and ask, "are you saying this product isn't reliable?" If it's reliable, I don't need an extra warranty. If it isn't reliable, maybe I need to look elsewhere.