If you're a good negotiator you can get pricing just as good as X-plan but those that hate negotiating with car salesmen, it's great. I bought my Mazda 6 under x-plan (Mazda actually calls it s-plan but it's the same thing) and it saved me $3K right off the top plus I was still eligible for rebates and incentives. The dealer has the option of not accepting x-plan on any vehicle.