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USAA offers Car Replacement Assistance, which pays %20 of the actual cash value of the car if the car is totaled. My six-month premium on my Model Y is $58.21.

Yes; they're eggcellent, and dolphin-safe too!

The payment difference between 2.04 and 1.24 on $40k over 72 months is $14/mo., which is over $1000 in monthly savings.

Tesla offered me 2.49% for 72 mos. (740+), but NFCU offered 2.04% for 72 mos.

I went with 'Reach Out For Schools'.. I think that's $10 well spent (donated).

I'm not sure I can PM you (may be too new). Can you PM me with a Referal code for DCU?

Is 1.24 the rate on the loan contact, or the APR? Thanks, in advance!

If you applied for several kinds of loans it would likely have a negative affect on your credit rating, but repeated inquires for the same kind of loan shouldn't affect your credit - you are expected to shop for your loan, but you're not obligate to accept the offer.

Navy Federal offered me 2.04% APR on a 72 month loan, but it doesn't include gap insurance; that will be another $299.