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The insurance isn't worth it. A lot of people will be swapping out to after market rims. Since this will be a mass produced car, you will be able to find replacement rims on ebay and craigslist in a few months.
(btw... don't drive like a noob, and you won't need it. Or in my case, that means don't let your wife drive the car. She is a curb magnet)
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