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I think its all relative to your situation. I live in NYC, a place with probably the worst roads outside of a 3rd world country and at $500 a pop for the p zeros and and $500 for a rim, 3 flats or bent rims in 3 yrs and the insurance pays for itself. I'd rather pay an extra $15 a mont for piece of mind than have to layout the money for a mishap. Just my opinion though.
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