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This won't help the OP due to his pressing deadline, but possibly for other FRS owners that want extended coverage, they might benefit by considering GEICO and USAA extended coverages.
I switched from Allstate to GEICO last November when I got my FRS. GEICO matched or increased every coverage item, added roadside assistance and 7-year/100k mile breakdown coverage for a ton less money than I was previously going to pay Allstate (without those additions). A total no-brainer. The coverage is extensive, gets great reviews and has a $250 deductible.
Buying extended coverage from the dealer is a personal choice. Some feel great about it - I always avoid it. But, years back when I bought a new Acura MDX, I came close to buying coverage when I learned that I can buy it from any Acura dealer in the US, and some dealers in other states where willing to significantly discount the price (it's National coverage no matter where you buy it). This may be another option for those that want the coverage.
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