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F10 / F11 (2011 - Current)
The new chapter in the highly successful story of the BMW 5 Series Sedan (F10) and wagon (F11)

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  #26  
Old 01-26-2012, 06:28 AM
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Stealth.Pilot Stealth.Pilot is offline
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The problem with these policies is:
1) There is a cross subsidy from the South (new roads) to the North (worst roads in the country)
2) The house always wins (these must be set actuarially to make a profit)

So unless you live in NYC, or unless you are living month to month and can't afford the cost of tire/rim replacement, then these policies don't make sense. I would self-insure my entire car if I was legally permitted to do so.
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  #27  
Old 01-28-2012, 10:02 AM
sack-o-taters sack-o-taters is offline
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Don't get me started on cross subsidies... The northeast is subsidized by every other part of the country.

That said, I'm on my original wheels on my 330i. 11 years 90k miles. No problems other than normal wear and tear. I spent sometime in upstate NY. I think we have just as many bad roads in Texas. For some reason I have no problem driving around the potholes...maybe people oughta hang up and drive?

I've never had a flat, so despite BMW's cost saving RFT policy that saves them from providing a spare, I'll replace the RFTs with some michelin pilot sports and a can of flat fixer when the RFTs run out, and spend the insurance money elsewhere.
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  #28  
Old 03-11-2012, 04:41 PM
jpagoulatos jpagoulatos is offline
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Hey guys put a deposit down for a 12 535xi w/ m package...i live in long island and often hang out in the city...my questions is do i buy the wheel and tire insurance?? dealer wants 2200$!!!! for it, i paid 800 for it on my last 535xi, granted that was 3 years ago when insurance companies didn't know whats up with NY roads... but to spend $2200, I'm cringing...what have you guys paid??? nor can i buy outside bmw 3rd party?

thanks!
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  #29  
Old 03-11-2012, 04:50 PM
PeterC4 PeterC4 is offline
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Quote:
Originally Posted by jpagoulatos View Post
Hey guys put a deposit down for a 12 535xi w/ m package...i live in long island and often hang out in the city...my questions is do i buy the wheel and tire insurance?? dealer wants 2200$!!!! for it, i paid 800 for it on my last 535xi, granted that was 3 years ago when insurance companies didn't know whats up with NY roads... but to spend $2200, I'm cringing...what have you guys paid??? nor can i buy outside bmw 3rd party?

thanks!
How long is the warranty? Does it cover rims? Does it cover curb rash? For $2200 that should be comprehensive coverage in my view, and at least 4 years. I think other have done better. Mine was cheaper. It covers tires, rims, curb rash. 39 months I think.
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  #30  
Old 03-11-2012, 04:56 PM
jpagoulatos jpagoulatos is offline
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PeterC4

Im pretty sure it covers wheels and tires, its directly through BMW, 3 years... oh and to boot they also charge 50$ dec. each time...

btw ordered a;
white 535xi, m/sport-tech package-prem package-cold weather, they've got another one that has all that plus bmw apps and sat radio. what do you think about bmw apps??

btw do you have the insurance??
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  #31  
Old 03-11-2012, 05:02 PM
PeterC4 PeterC4 is offline
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I love SAT radio - I'll never buy a car without it. If BMW Apps is the software that connects by BB email to my car then get it. My wife uses an iPhone and there are cool apps for that facilitated by BMW Apps. I would get it for the $300 it costs or so. I did get the insurance. My family has scraped so many rims, run over so many nails that given the price of these tires it was worth it. Mind you, I'm the only one driving this car.
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  #32  
Old 03-11-2012, 05:03 PM
jpagoulatos jpagoulatos is offline
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Can i ask what did you pay for it??
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  #33  
Old 03-11-2012, 05:07 PM
PeterC4 PeterC4 is offline
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I bought it a few days after delivery, (my dealership gave me 30 days - not sure it's the same in the US)...I think it was $1,300 -$1,400? I got a discount on this too. There were a few options so I can't exactly recall what I did. Come to think of it, I think I went with 48 months. It's likely a little more expensive in Canada when compared to the US.
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Last edited by PeterC4; 03-11-2012 at 05:13 PM.
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  #34  
Old 03-11-2012, 05:09 PM
jpagoulatos jpagoulatos is offline
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Thanks...
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  #35  
Old 03-11-2012, 05:18 PM
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Die Wolfe Die Wolfe is offline
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I paid $1900 for 5 years through the BMW dealer...
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  #36  
Old 03-11-2012, 07:02 PM
Skyrider01 Skyrider01 is offline
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I paid about $1350 including tax through the dealer in August.
5 year coverage on tires and rims, no deductible.
Covers any new tires purchased during the 5 year period as well.
My policy already paid for itself, I had 3 tires punctured by nails and screws on the road in the last 6 months!
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  #37  
Old 03-13-2012, 05:06 AM
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mjsbmw mjsbmw is offline
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[QUOTE=Skyrider01;6694314]I paid about $1350 including tax through the dealer in August.
5 year coverage on tires and rims, no deductible.
Covers any new tires purchased during the 5 year period as well.
My policy already paid for itself, I had 3 tires punctured by nails and screws on the road in the last 6 months![/QUOte

I think there is another misconception that punctures from nails and screws are not repairable on runflats. They are !!!! As long as it does not puncture the sidewall. That would cost you $30 to fix as opposed to replacing the tire.


I believe that you can buy BMW wheel and tire insurance after delivery. So the pressure by the F&I saleman can be relaxed a bit. And if they know you might price shop the policy, don't be surprised if the price goes down!
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