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Unread 06-17-2009, 07:39 AM   #16
ChillyWillys
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2008 MK Patriot 
 
Join Date: May 2009
Location: Massachusetts
Posts: 58
Once again, none of the above (since my last post) applied to us. We traded in a 10 year old Saturn SL-2 that was all paid off. I should have mentioned that to begin with. Sorry 'bout that!

CW


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Unread 10-30-2013, 07:04 AM   #17
_Kyle_
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1996 ZJ 
 
Join Date: Oct 2005
Location: Abingdon, MD
Posts: 2,763
Now, is there a huge difference between GAP through your auto insurance company or the financing company? The dealer is trying to tell me to get it through my financing because they are more apt to total the vehicle and just pay the difference vs. and insurance company trying to pay $10k to repair it instead of just totaling it out.

The price difference is fairly significant from what they offered through financing and what it costs to add to my insurance policy per month (Hanover Group/Citizens Insurance Company of the Midwest).
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1996 Grand Cherokee

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Unread 10-30-2013, 08:10 AM   #18
vadslram
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1990 YJ Wrangler 
 
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Location: VA Beach
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OH I thought that you meant insurance to keep from getting hooked up with skinny *****es.



Don't want to get lost in thigh gap!
gap.jpg

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Unread 11-01-2013, 01:17 PM   #19
rcrupper
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2007 JK Wrangler 
 
Join Date: Feb 2003
Location: Montgomery, TX
Posts: 527
dont forget that if you get gap insurance and dont keep the vehicle the term of the load, example if you trade it in before it's paid off, you can request a refund for the amount of gap insurance that you didnt use.

if you financed a vehicle for 5 years and trade it in after 2.5 years you should receive half your gap insurance premium back if you request it in writing to the insurer.

rob
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Unread 11-13-2013, 09:18 PM   #20
sieg
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2008 JK Wrangler 
 
Join Date: Dec 2011
Location: Red Bud, IL
Posts: 120
Quote:
Originally Posted by Me007gold View Post
any one who finances a car and dose not get GAP is a moron. I pay a few extra bucks a month on my insurance for "loan payoff" which is the same thing. Its totally worth the extra bucks, especially with the way people drive
Hell, I always thought that anyone that owed more on a vehicle than it was worth was a moron.
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Unread 11-14-2013, 05:42 AM   #21
91YJ4X4
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Quote:
Originally Posted by sieg

Hell, I always thought that anyone that owed more on a vehicle than it was worth was a moron.
Precisely
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Unread 11-19-2013, 12:38 PM   #22
number40Fan
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2014 JK Wrangler 
 
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Posts: 292
I paid for GAP insurance through my regular insurance company on my '11 Ram, but dropped it after a year because the amount I owed was less than what the truck was worth. I do believe that it was a "Loan payoff" option and not called GAP, but same difference.
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Unread 11-19-2013, 12:39 PM   #23
number40Fan
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Quote:
Originally Posted by sieg View Post
Hell, I always thought that anyone that owed more on a vehicle than it was worth was a moron.
If you finance the full amount, just driving off the lot you would be in that situation.
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Unread 11-20-2013, 07:15 AM   #24
sieg
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Quote:
Originally Posted by number40Fan View Post
If you finance the full amount, just driving off the lot you would be in that situation.
Precisely
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Unread 11-20-2013, 07:28 AM   #25
vadslram
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You don't even have to drive it off the lot. If it gets titled then you deal falls through it becomes a "used" car and its value drops.
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