I am a big fan of having a warranty to at least cover the vehicle while you are still making payments.
Also, you CAN negotiate the price!! As some have posted, you can actually buy a Ford factory warranty online from a different dealer. Or, at least print out the offers from the internet and use those numbers when negotiating. My last two trucks I got extended warranties for almost 1/2 the price that the dealer first said they would cost - and it was for the same warranty coverage (I made sure they weren't substituting a lesser warranty).
