Insurance pays ACV; it doesn’t pay your note balance. GAP covers the difference so you don’t write a check.

Most claims come from theft and totals — things safe driving can’t prevent.

One total is all it takes to expose the balance/value gap.

Newer cars depreciate fastest early; GAP protects financing, not the vehicle.

Reliable isn’t invincible; a single repair can exceed the plan price.

This starts when that ends — during the most expensive years.

If you save monthly, great; this formalizes that discipline, plus roadside/rental.

OEM parts and calibration drive costs; the plan smooths spikes.