I made another call before these messages to a company called United Car [Care?] that seemed to be priced a bit similar to USAA I found by Googling. Just for reference, they offered a plan they said was a mirror of the factory warranty, you can take it to the dealer or any ASE certified shop, covered rental car coverage, towing, etc. with $100 deductible. They offered me $5,093 ($395 deposit & $261 each month for 18 months) to cover 6 years from now and to 100K on the odometer. That's effectively 4.5 years beyond the factory warranty.

$5K is a ton of money, and they plan to make money on the warranty of course. I suppose therefore you plan to lose money, but it's risk mitigation of something big like I faced (but got AoA to mostly cover).

I was going to contemplate it when they put on the hard sell that made me feel like they're bordering on fraud. I told them I wanted to see the fine print and all the information to consider it, and they said they couldn't offer that until I put down the $395. I'm already highly skeptical with any warranty program of any kind that they try to make it hard to exercise beyond whatever Audi would offer. I tried to reason with the guy that I'd be an idiot to put anything down without seeing what I'm getting, and to that he said once I pay the down payment, they'll send me the live policy language and I have 20 days to get my money back and cancel. I called bull****.

Not planning to go through with it, I said, "maybe, but I'd need to see that it's refundable etc. in writing." He also said the call was being recorded, so we could use that if there's an issue, and so I said, "fine, so get me a copy of the recording." Again he said they couldn't do that or provide the documentation that the deposit would be refundable, and he said that I could have my credit card company dispute the charge if they don't follow through. Knowing this is a crazy way to do business, I told him no and the guy was really aggressive about it.