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I've got the Geico Mechanical Breakdown insurance on my E92 M3; you have to buy it while the car is still new. It costs me $34.50 every 6 months. Covers *everything*, but you have a $250 deductible for each visit. If you calculated 4 years of that before it takes effect... that's just $276. I'm out of my warranty already, but the car's been reliable so I haven't had to even use it. It beats the price of any other warranty hands down. It does not have an inclusion list, so pretty much everything outside normal wear and tear (brakes, clutch, tires, etc) is covered.
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