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Warranty is negotiable to some extent. Often though if you can't get better than MSRP at time of purchase, just shop around, you can often get 10% off without trying, buying elsewhere. You can buy the warranty at any point, from any dealer; before the warranty runs out.
I recommend Jeff @ Passport BMW, which I think is in Maryland. You can just call and ask for him. Tell him how you were referred. He likes to hear about that.
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