The better ones will cover more of the major component assemblies. There is no consistency between plans. Investigate each plan thoroughly and compare one plan to another. Make sure to see if the policy covers the Antilock Braking System if the car is so equipped. There is nothing dishonest about commissions.
Commissions are part of the process of making services available to the public.
The salesperson will receive a flat rate, while the balance goes to the dealer. If your car and circumstances meet the criteria and the warranty is good, it can be a worthwhile investment. Otherwise, it is better to save the cash for future repairs. This is particularly important given the complexity of modern cars, your dependence on the car, and how long you plan to keep it. Because the car is newer, you may plan to keep it for a longer time and be more likely to need a Deluxe Plan.