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This is a common question and you will get definitely get some vocal haters (that tend to skew a solid discussion). Yet the happiest people in a dealership waiting room is those that have someone else paying the bill. I've always been taught are you in a position to write a check or would writing the check be difficult i.e. I cannot write a check to replace my house in the event of an earthquake so I have earthquake insurance.
There are hundreds of different auto policies. There is a lot of markup and the price is negotiable. Also should you sell the car before the extended policy expires you can get a refund. The nice thing about getting an official BMW issued by BMW is they for the most part going to be around and honor the repair.
You can also watch for trends and judge costs for example on an early e90 BMW it was not a matter of "If" but "When" the water pump would be needing replaced. I like Audi's but would NEVER... EVER... EVER buy an Audi without an extended warranty.
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