[Deschodt]

IMO "self insure" is an outdated concept with the current price of cars, parts, and hourly charges. Compounded by encryption between modules (esp on BMWs) that requires using them or a really connected independent. IMO, a newish BMW, Audi, Range rover, you get the CPO extension or a solid insurance plan, pay now and sleep soundly.. it'll pay for itself twice over. Porsche I still may take the gamble (better reliability in my experience)