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Such a hard answer. Your best bet to to try to calculate your service cost based upon your past history. Do you curbed a lot of rims or drive hard requiring brakes often? For most people, it's a money loser as the insurance company would go out of business if they paid out more than they collected. I don't get it. Never did. Sure I had a few incidents over the years but I'm tens of thousands ahead in saved premiums.
I only buy insurance to protect me from a big financial hit. Not for normal every day stuff.
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