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I think it's location dependent. NY and NJ are notoriously bad (high $). I just paid $1500 for unlimited coverage including cosmetic repair, no deductible, that covers the 3 years of my M5 lease (all wheels and tires that I put on). It is underwritten by Mercedes Benz (I know weird for a BMW). This is up from $800 3 years ago on my previous lease (650i).
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