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If I was buying (instead of leasing) I would definitely get replacement cost insurance. I did so for the last two vehicles I bought.
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2014 EBII 435i xDrive M-sport
Gone: 2011 TiAg F25 X3 xDrive35i M-sport
Gone: 2008 TiAg w/Coral Red E88 135i Cab M-sport
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