I did not get one with my new 09 but did on the 99 I had. Some owners benefit with these and some dont. BOTTOM LINE though if you get one, many companys fold and you are out the warranty. I recommend a factory/dealer one if you decide to get one. And its not much more to get the zero or 100.00 deductible one. Read the fine print as a lot of parts are not covered, usually the ones that go bad!! I am surprised you were not offered one if you bought new as the ***** is on commission.