If you’re buying a new car, you’ll need to consider your options for insurance. There are a lot of optional types of insurance coverage available to new-car buyers — one of the most worthwhile being gap insurance. What does gap insurance cover? Essentially, it covers the difference (or gap) between the amount you owe on your car and the car’s true cash value at the time of accident or theft. Read on to learn more about gap protection and how it can give you great confidence on St Louis roads.
Unlike liability insurance, gap coverage doesn’t cover bodily injuries and property damages — it strictly covers vehicle damage or theft. Here’s a quick look at what gap protection covers and does not cover:
Again, gap insurance is optional, so it’s not required in the state of Missouri. However, the added protection and peace of mind is worth considering, and in most cases, gap insurance is fairly inexpensive. Some dealerships offer plans with deductible coverage, which can come in handy. If an accident does occur or if your vehicle is stolen, you’ll at least have gap coverage to fall back on. Our finance team can give you more information on gap insurance, and other types of coverage you should consider. Start by learning more about comprehensive auto coverage!
Even if you’re not ready to buy a car, our team can answer any questions you may have about buying gap insurance and how it can help you in the event of an accident. We want to make sure you understand just what you need before you apply for an auto loan or lease and drive home to St Peters or Webster in a new car. If you have questions, contact us to learn more about your options! We walk you through the basics and introduce you to other popular programs, like VW Roadside Assistance.
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