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Originally Posted by Submansd
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On most things I can afford to take the hit comfortably, I self insure. In the long run I assume it should cost less.
My last set of tires went over 80,000 miles without a single flat. Eventually one blew from old age, but that was expected and wouldn’t have been covered anyway. Any insure cost would have been a waste for me on this occasion. Next time it may be different, but I’m willing to finance the risk rather than pay someone else to do it for me.