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Regarding the Tire Insurance (Road Hazzard is what they call it)......$1000? I opted not to take it. On my last BMW I paid for it, almost under the impression that is was mandatory with runflats, but in the three years I owned the car, I completely forgot I had it. I got two flats, both were patched (not plugged) by the local garage for like $50 each time. Never had a problem with he tires.
Put the $1000 in a mutual fund, get your 5% interest annually and you self insure.
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