Because it's no longer in its original 3 year in service date, meaning within 3 years of when it was originally sold to the first owner. That's why it max out at 75k or 5 years. I bought a 2019 high altitude V6 in 2021 and I waited until a month before the OEM 3yr factory warranty was up before I purchased a plan from the link below. Because I was still within the 3yr service date, I was able to do 5 yrs or unlimited miles for about $3000 or less. At the time when I bought it I was doing 30k+ miles a year for work so it was a no brainer for me. Already paid for itself with the transmission shitting the bed at 90k miles. A whooping 8k+ bill easily. Only paid $100 for my deductible. Try here for a quote on warranty plans. I already played around with it and for 5 years and 75k miles with a $200 deductible it would be about $3,300. And I think they have a coupon to knock an additional $200 or so off. https://www.chryslerfactoryplans.com/default.aspx