Thanks everyone! We decided on a 2010 Honda Civic, new...got $1,300 marked off the sticker price (not much, but still lol) with a .9% interest rate! 🙂 we did opt for the extra coverage because it didn't make the monthly payments go up TOO bad, but covers the car till after it's paid off. For an extra $70 a month the interior (seats, carpet, dashboard, door panels, etc.) are covered for stains and will be reupholstered for no extra charge (for 7 years, car will be paid off in 5), the exterior paint is covered from wheather, bird poop, acid rain, the salt in the air (we live coastally and the salt in the air ruined my Jetta's paint job!) so they will repaint it for no extra charge, we won't have to wax it for the first 6 years, we can take it once a year to get the outside detailed...the warranty is good for 8 years/100,000 miles instead of 3 years/35,000...if they take it into the shop for any of these reasons they will pay for the rental car, like i'm taking it in friday to get all the PermaPlateing done (for the stains and such) and they are going to pay for me to have a rental car for the day!...if we break down over 100 miles from home they will pay for our exspenses $100 a day for 3 days, and they are going to change my oil for 5 years....what we liked the most is all the extra coverage after the car is paid off...so that way if the interior is all dirty and won't come clean we can reupholster it and when we trade it in we will get a better deal....all in all, we are really excited about it...runs great, gets about the same gas mileage as my jetta, if not better...and feels a lot safer to drive our baby around in!