[aas5]

I had W&T insurance on all three of my last BMWs. It’s good to have a piece of mind and not have to worry about the cost of replacing tires or wheels. Having said that, I think I replaced 4 tires on my first car, 3 tires on my second and 2 on my current car. I am in NYC where the roads are bad. So I am not sure it’s worth it especially with the $50 deductible per claim. I think I paid $1,200 first time and $1,700 last two times. Each tire is about $500-$600 with tax so you basically need 3 tire replacements to break even. Obviously if you damage the rims the insurance pays off right away. So I still plan to get it for my X7 for piece of mind assuming I can get a decent price but wanted to share my experience. Make sure you negotiate - there is definitely room. One other thing - the coverage is the same but the cost is very different if you get it in NYC vs LA, etc. I always do PCD so I have flexibility to buy from an out of state dealer to also save on W&T insurance, among other things