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I originally got it, but then canceled it after about 3 weeks. Thinking back I have gotten one nail in a tire the last 3 or 4 years. The return on the investment would be to replace 3 or 4 tires in 3 years, so in the end the better decision was to self insure.
Take the premium, throw it in some vanguard mutual fund and each time you need a tire use that money.. I'll bet that in the end you'll break even or be ahead. This is the same bet the insurance company is making and they are typically winning.. :-)
-jr
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