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if you only do about 4000 mile a year then I too would question the need for a warrenty as even if the car was to break down you have a mile to get to work ?
providing the car has been serviced on time and you use synthetic engine oil then it should carry on well past 150K miles with no issues
drive shaft joints typically need replacement at about 120K miles so these may need looking at soon and if the car is a manual transmission then the clutch may also need attention
glad to help
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I'll be honest I generally don't like aftermarket warrenties
all too often they cover very little and unless your engine has tried to jump out of the car then stuff you'd expect to be covered like a driveshaft joint - isn't and they will try and wriggle off the hook all the time even when you do have a valid claim
now not all warranties are the same so yours may be better than this
but for a driveline warrenty then major parts like driveshafts, clutch transmisson and engine should all be covered
the ignition cylinder won't be and also the normal service stuff won't be
now if you do have to replace a driveshaft joint they're typically about $200 each plus about 1.5 hours labour per side
a clutch is about $300 in parts and a days labour as the transmission has to come out
do you still need help?