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      04-26-2012, 06:13 PM   #3
steve@codemybimmer
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Drives: 2016 M235i xDrive Cabriolet
Join Date: Apr 2010
Location: Canada & HK

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I have it because this is my first lease and I'm a bit paranoid. The extra $20 a month isn't bad as it does give you peace of mind.

How are the dealerships during for lease returns? If my inspection isn't too bad at the end of this term, I probably won't opt for it next time.