They put the pressure on when you buy the car to buy these cars more on the warranty than anything else. They must have a huge profit margins. You can really negotiate it down. I though it was worth it to get the wheel and tire warranty as well as protection for all the electronics in these cars. My factory 3 year warranty is already up. It goes damn fast.
The insurance companies definitely run numbers on cost of warranty less payout of claims, per vehicle, else they would not be in business.
The wheel and tire can be a good one, as well as a beefed up version like a road hazard protection which generally covers tires, wheels, windshields, keys, and paint-less dent repair.
The company I purchased my warranty explicitly carves out certain brands and models and even engines, so they must have run the numbers on every vehicle - like Audi and a Corvette are not eligible for a warranty. On top of that they have a two tier pricing model, (1) all cars and (2) a premium vehicle charge, like for a Cadillac, any v10 engine or BMW 5 series, which is twice as expensive as the standard car. Our Hellcat is on the cheap pricing model.