Trying to decide on my GAP coverage options: 1) $399 with Alliant for the GAP coverage which covers the cost of loan if it gets totaled by insurance and I don't get full value remaining on loan, also covers $500 of deductible for 1st 3 years if there is accident filed with insurance 2) USAA offers new car replacement help, where they offer the value of vehicle if totaled PLUS 20% on top of that, only $45 extra every 6 months It would take over 4 years paying the premium to get to the cost of the Alliant gap coverage (probably won't have the car that long). USAA coverage might not cover cost of loan but should be close enough (I'm not worried about a few thousand here or there, just a massive chunk) I've never done this on any car, but this is also the most expensive car I've ever bought and most expensive car to repair I've ever bought. Would love the opinions of the group on this one.... EDIT: HAHAHA wow I need to check my typing speed and look at the title spelling before I hit post. Whoops, mods could you fix if you get a chance. Thanks.