That's like not buying car insurance because manufacturers give you a 30/100 thousand mile warranty on the car.
Problems occur AFTER TIME PROGRESSES. That's why the warranty extends the period you are covered, not increases the coverage over that first year.
As things run, they wear. Wear = higher chance of breaking. It's common sense to see "how" or "why" one would opt into Apple Care.
However, you have to think about what it is you're buying, how you use it, and how long you intend to keep it. If I got a laptop and just sold the old one every year (like a lot of people here do) I wouldn't' get it. However, seeing as I'm going to keep this laptop (which is a laptop and subject to the world and its elements) for many years, I'm going to get it before the first year is up.
Wear and tear and mechanical failure is not covered by automobile insurance
Insurance policies and warranties are fundamentally similar, but fundamentally different. Insurance policies provide coverage for perils which a device is externally exposed to. An automobile insurance policy will, for instance, provide coverage for collisions, hail, fire, etc etc. They DO NOT provide coverage for mechanical failures or manufacturer defects.
Warranties provide coverage for mechanical failures and manufacturer defects, however, does not provide coverage for exernal perils…for instance, if your house flooded, and your macbook was submerged in water, it would not be covered.
The primary difference between a warranty and an insurance policy is that mechanical failures are far more predictable and controllable than external perils. Mechanical failures, as covered by most warranties, are the product of defects in the manufacturing process…and although manufacturers cannot always single out defective hardware before it exits a factory, manufacturers can usually predict pretty accurately, the percentage of their products that will have mechanical issues.
As others have mentioned, a defect in the manufacturing process will usually manifest within a year, and, ironically, the likelihood that a product will fail actually diminishes in the 2nd and 3rd year if it doesn’t fail in the first. In other words, if your product doesn’t fail in the 1st year, it is not one of the few defective products in the batch, and it is less likely that it will fail in the 2nd and 3rd year.
If it fails sometime in the first year, there’s a strong likelihood that it will fail again multiple times in the 2nd year, 3rd year, and beyond. Translation...if you have a mechanical failure in the first year, buy the warranty before the end of the year...if not, you likely won't use it. I'd bet that a majority of the people who have failures in the 2nd and 3rd year, had them in the first.
The fact of the matter is, no large purchase product is designed to fail within 3 years of ownership under normal operating conditions….unless you’re Microsoft building xbox 360’s. If a large percentage of Apple products were experiencing catastrophic type hardware failures we’d here a lot more about it in the media, and Apple could potentially be held liable. Granted you hear a lot of reports of hardware failures here, however, I’ve participated in numerous forums for numerous products, and believe me, forums disproportionately represent the frequency of hardware failures. People are more likely to vent on a forum when something goes wrong, than they are to comment when things are going right.
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