Does anyone take any of the offers from the finance person?

[snareman]

With my last few cars I always get the big push for all of the protection stuff and insurance at the last minute from the finance guy. They seem to throw this stuff on you last minute, almost as a surprise, when you haven't had any time to research it and then have been visibly upset when I took them up on none of it.

Wheel insurance for $1,300??? In my last 25 years of driving I've never broken a wheel or had more than 1 tire issue/car so I can't see a reason to take your wheel insurance Mr. Finance guy.

I can't imagine any of them are going to be worth it when I do the paperwork for this car in a few weeks.

[afadeev]

Originally Posted by snareman

I can't imagine any of them are going to be worth it

They are not, which is why they are pitched at the last minute in hopes that you will buy some of them just to get out of the dealership.

I personally don't know anyone who bought anything, but a few folks on these forum claim they have.

a

[///M4ster Yoda]

I bought the tire and rim insurance on our last two cars. I only did it because the roads here are bombed out POS from Iraq. I used it for one tire in the last 3 years. It's better to just put that cash in a separate just in case account. We are two weeks out from our dual ED. I am anticipating the last min push for all the bullshit as well and won't be taking any of it.

[moviebumm]

I bought the tire and rim insurance. I made 2 claims in 1.5 years. Is it worth it, that depends on how and where you drive.

[OutlawX3M]

I purchased the tire and wheels package this time around. I had to replace 2 rims on my previous 335is at $580 per because I went cheap on the last car.

It's extra insurance which for me in northeast us, pothole heaven NY, is worth it. Your mileage may vary.... ?

[Needsdecaf]

Don't forget, those prices are negotiable. I bought tire and wheel, but at $700 over 3 years. Not $1300.

And as others said...depends on your roads.

[cprx7]

I bought tire and wheel insurance as well. All done over the phone so I wasn't even trying to get out of the dealer. I have also bought extended warranty while buying a car still under factory warranty. There are def advantages in buying stuff from the dealer

[Sassicaia]

Here is how this conversation went when I was in the dealership.

Paperwork girl: tire insurance blah blah blah etc
Me: hang on one second. What's your name?
Paperwork girl: Cindy
Me: Cindy, I'm going to let you in on a secret they don't tell you when they train you on this stuff. All of it is a fooking waste of money. Only suckers buy it.
Paperwork girl: laughing out laud

Definitely puts an end to the attempt to push that stuff. No one is going to try and overcome an objection like that.

With that said when it comes to an M car I could see value in the extended warranty on the car. Mind you at 5k for an extra 3 years in Canada I'm kinda feeling like its a bit of s toss up. My previous 330i didn't have 5k worth of work during its 12 year life.

[cprx7]

Originally Posted by Sassicaia

Here is how this conversation went when I was in the dealership.

Paperwork girl: tire insurance blah blah blah etc
Me: hang on one second. What's your name?
Paperwork girl: Cindy
Me: Cindy, I'm going to let you in on a secret they don't tell you when they train you on this stuff. All of it is a fooking waste of money. Only suckers buy it.
Paperwork girl: laughing out laud

Definitely puts an end to the attempt to push that stuff. No one is going to try and overcome an objection like that.

With that said when it comes to an M car I could see value in the extended warranty on the car. Mind you at 5k for an extra 3 years in Canada I'm kinda feeling like its a bit of s toss up. My previous 330i didn't have 5k worth of work during its 12 year life.

I'm sure Cindy thought of you a the most "sabby" buyer out there LMFAO. I bought mine brand new with CP 20" wheels and having gone through couple wheels due to pot holes, I know how "stupid sabby" you feel when you have to shell out $$$ to replace wheel and tire

[jaybird124]

There's some relatively worthless stuff and some stuff that has value.
Main thing is to read the fine print and look at the products in advance. To wait till the day of the purchase to make the decision.

['Cane]

I took the tire/wheel insurance, which is good because I may or may not have curbed one wheel in the hotel garage in Zurich.

[jaybird124]

I hope anyone who's financing is taking gap insurance. You can shop it but usually is you come prepared you can sort it out.
BMW warranty can also be worn considering depending on circumstances.

[dr.mba]

Originally Posted by Sassicaia

Here is how this conversation went when I was in the dealership.

Paperwork girl: tire insurance blah blah blah etc
Me: hang on one second. What's your name?
Paperwork girl: Cindy
Me: Cindy, I'm going to let you in on a secret they don't tell you when they train you on this stuff. All of it is a fooking waste of money. Only suckers buy it.
Paperwork girl: laughing out laud

Definitely puts an end to the attempt to push that stuff. No one is going to try and overcome an objection like that.

With that said when it comes to an M car I could see value in the extended warranty on the car. Mind you at 5k for an extra 3 years in Canada I'm kinda feeling like its a bit of s toss up. My previous 330i didn't have 5k worth of work during its 12 year life.

Certainly worth every penny for me. If they wanted it for 2k I would still buy. My background story. 2007 got my first BMW (525xi). Ended up replacing 4 tires over the span of my 36 months lease at $370 each. 2011, got my second BMW a 535i and opted for the wheel and tire insurance. With my 19" upgraded wheels I maxed out on the policy at 5k in tires with all the potholes. Third BMW obviously has it and now my 4th is on the way and will certainly have it. Those are my 2 cents.

M

[KZEVO]

Depends how the roads are where you drive. Didn't go with it this time around, but when I was in NY had it on my other car and I used it up...roads there are way worse than where I am currently.

[firedown31]

Originally Posted by 'Cane

I took the tire/wheel insurance, which is good because I may or may not have curbed one wheel in the hotel garage in Zurich.

Cosmetic damage, curbed rims, aren't covered almost always. If they were I'm sure a lot more people would be taking the tire/rim insurance.

Originally Posted by dr.mba

Certainly worth every penny for me. If they wanted it for 2k I would still buy. My background story. 2007 got my first BMW (525xi). Ended up replacing 4 tires over the span of my 36 months lease at $370 each. 2011, got my second BMW a 535i and opted for the wheel and tire insurance. With my 19" upgraded wheels I maxed out on the policy at 5k in tires with all the potholes. Third BMW obviously has it and now my 4th is on the way and will certainly have it. Those are my 2 cents.

M

Damn you live in a shitty area then! But this is a perfect example of why you need to use your past history of driving and the area you'll be driving in to determine if it's right for you or not. Our rims are forged after all, they can take some beating.

[cprx7]

Originally Posted by firedown31

Cosmetic damage, curbed rims, aren't covered almost always. If they were I'm sure a lot more people would be taking the tire/rim insurance.

Check with your dealer on that. I paid a bit extra for my rims to be covered for cosmetic damage.

[BavarianBeastTamer]

I always go for the wheel and tire insurance. With north Jersey roads, It has payed for itself over and over again. Think I've gotten at least 6 tires replaced due to bubbles.

[firedown31]

Originally Posted by cprx7

Check with your dealer on that. I paid a bit extra for my rims to be covered for cosmetic damage.

Yeah, got to read the fine print. If you can get it covered it's probably worth it.

[Draper]

If you have a Discount Tire nearby you can get replacement coverage on your tires (even if you didn't purchase from there). Runs about $100 per set. Obviously this won't help you with wheels, but the need to actually replace a wheel is rare and cosmetic repairs are relatively cheap.

To be extra safe you could purchase a full set of take offs from the for sale section for around $2k. If you need a new wheel then great, if not just sell the set when you sell the car to recoup most of your costs.

['Cane]

Originally Posted by cprx7

Check with your dealer on that. I paid a bit extra for my rims to be covered for cosmetic damage.

The plan I purchased does cover curb damage.

[kpowell9]

I took wheel and tire, gap, and extended warranty/maintenance. I must be a sucker, but on my last M when I curbed two wheels I felt like a sucker not having tire and wheel. I plan to keep the car for an extended period, thus the extended warranty/maintenance, which I'd rather finance at .9% over the long haul than have to pay lump sum cash for at the end of my term. I hate driving a car like this out of warranty. I just feel better knowing I'm covered, and to me that's worth the cost.

[bahasad]

Anyone who lives in a state with potholes and battered roads (i.e. basically anywhere in the Northeast and the midwest) should absolutely consider the tire and rim insurance. Especially with the 19" or 20" options.