Call Granger, No A plan needed, by far the best deal you can get.....and you are right about biting dealers...already told the dealer that I bought a new truck, maintenance plan and extended warranty from 6 yrs. ago that I won't be back since they were not willing to do anything better than MSRP on a new Tremor. Took my 2015 with the maintenance plan to a new dealer this week to test their service department before I get my new Tremor that I ordered from Granger. Dealers make far more from parts, service, extended warranties, maintenance plans and used vehicles than they do selling new trucks. To be so narrow sighted and to think that we'll just keep coming back to them when there are definitely better choices is pretty ridiculous on their part.