Most warranties aren't "bumper-to-bumper." They rarely cover "wear items" like tires, brakes, or lightbulbs.
If a surprise $2,000 repair bill would ruin your month, rolling the cost of a warranty into your monthly payment provides a "fixed" cost for car ownership. The "No" Case (When to skip it) is it worth buying extended warranty on a new car
The price of a warranty is heavily marked up. You can often talk the dealer down by hundreds of dollars, or even buy one from a different dealership online for less. Most warranties aren't "bumper-to-bumper
Always try to get a warranty backed by the car manufacturer (e.g., Ford Protect or HondaCare). Third-party warranties are notorious for denying claims or going out of business. You can often talk the dealer down by
Modern cars are computers on wheels. If a massive infotainment screen or a complex driver-assist sensor fails, the repair cost can easily exceed the price of the warranty.
What specific of car are you looking at right now?