gap insurance is a joke
if you have a small down payment, have decent credit and take a reasonable loan term you would never need it
if the car is ever totaled by insurance company that # is negotiable. gap insurance is only covering any difference
it's up there with payday advances................
Agree. This is how I financed my 3. No need for gap. I would have been paying 400 bucks more a year to give me 1k if I were to get in an accident. Spending a guaranteed $400 to save a potential $600 dollars on the chance I total a car is useless for me.