Your credit card is a good source of extra funding for emergency car / home repairs, trips to the ER, and other surprise expenses. (kingofkash.com)
Build an emergency fund to cover 3 - 6 months of expenses to help keep you from adding more debt in the face of surprise expenses. (standard.com)
Plus, you're covered by the manufacturer for most car care during the length of the agreement, so you don't have to worry about surprise expenses. (gollingchryslerjeepdodge.com)