What the local data says
Warranty break even in Maryland
Baltimore is the current source for our Maryland profile. Its independent-shop midpoint of $149 per hour is $2 above the median across our 50 metros.
Dealers in the model sit at $197 per hour. Compared with the independent figure, the $48 hourly gap adds about $384 to eight labor hours.
Heat reaches 90°F on about 34 days across the sample. Freezing conditions appear on roughly 93 days, useful context that still falls well short of a failure forecast.
A fixed-price plan has more room to pay for itself when labor is expensive. That advantage disappears quickly when the agreement reimburses less than local shops charge.