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This is just insurance for your loan
Pay your loan off early (e.g. refinance, payoff) and you can actually get a portion back based on how long you have had it ... this is where it makes it worth it if you plan on having this for peace of mind and still not lose out too much money.
It is a good deal if you use it or take advantage of it ... otherwise it is a waste of money.
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2012 X5M - M5 S63TU Turbos/Manifolds, Custom Exhaust, Intake, JB4/BCM, OEM race stripes
1999 323 - M3 Clone - Hardtop - S50 Cams, S52, 3.23 LSD, Koni Sport, 18' E46 M3 Wheels
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