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Did you add a warranty to that gift? Read this first.

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SEATTLE — Black Friday, Small Business Saturday, Cyber Monday, there’s no doubt this weekend is filled with shopping. If you’re investing money in a big purchase, you want to make sure it lasts as long as possible.

So is it worth it to spend the extra bucks on an extended warranty? Q13 FOX asked the experts at PEMCO Insurance.

“Not for everything, but for some devices it might be for some appliances it might be,” Brent Spraker, a product manager at PEMCO said.

To determine if your purchase is warranty worthy, he said first think about how you’re going to use it.

“If you’re traveling a lot with your laptop, then it might be more apt to be dropped or damaged that might be a consideration,” Spraker said. “Or if you’ve got a big family, you’re doing a lots of laundry, you’re doing more than a normal user might do.”

Also think about how much the device or appliance costs. Brent said, if a warranty costs more than 20 percent of the cost of the appliance, it’s not worth it. And always consider how long you or the giftee is realistically going to use it.

“If its something you might want the latest and greatest and you’re not going to keep something long enough for the warranty to kick in, thats not helpful, you might not want it then either,” Spraker said.

In that case, Brent said skip the warranty, but take the money you planned on spending and  invest in a higher quality product.

“Figure out what the cost of an extended warranty might be and perhaps put that towards the costs of buying a higher rated appliance or an electronic. So you’d be out of pocket the same amount, but have a nicer appliance ”

Brent also recommended buying the product with a credit card that automatically extends the manufacturer’s warranty on purchases. With certain credit cards, the warranty can be extended up to a year longer at no extra cost.