Any reason to buy Apple Care before 1yr is up?

Looking at the website, all Apple Care seems to do is cover repairs for the second year you own your iphone for $69. Do you need to purchase this within a certain period of buying your iphone?
Otherwise, why wouldn't I buy Apple Care on June 25, 2008? If I buy it now and, God forbid, my phone is stolen in the next 12 months, I'm out $70 for something I never used.
Anyone have thoughts on this?

If you bought your iPhone with a credit card offered by a reputable company (AMEX, MBNA, Wells Fargo, etc) then in my opinion AppleCare is worthless. Your credit card often extends any manufacturer's warranty for an additional year. In otherwords you already have AppleCare's extra year warranty from your credit card company. It's an incentive they offer you for buying the iPhone with their card.
AppleCare gives you the luxury of calling tech support, but so what? You can go to the Apple Store and talk to the Genius Bar for free. And how many times are you going to call tech support anyway? I have called them maybe twice the entire time I've been an Apple customer. Between the Store, these Support forums and Google search I can't really understand why you'd call Apple tech support and pay $50 for it. (Which by the way I think is ridiculous that they charge you $50 to call them!!).
Given the fact that my credit card extends the warranty I'm not about to give Apple $70 so that I can call them when I want to.

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