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GAP Insurance Explained: Not Every Car Buyer Needs It
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If you’re buying a car, you’re probably wondering if you could shave a few dollars off of your monthly payment by removing GAP coverage from your bill of sale. Before you do, it’s very important to determine if you need the protection that GAP insurance offers. Luckily, this is pretty straightforward, at least compared to many other facets of car buying.
We’ll answer all these questions and more in today’s post. We’ll be taking a deep dive into GAP insurance to explain the ins and outs of this unique type of coverage.
What is GAP Insurance?
GAP is an acronym that stands for Guaranteed Asset protection. GAP insurance is a type of insurance designed to provide car buyers with financial protection if you total your car, and owe more than it is worth. More specifically, GAP insurance makes up the difference between what the insurance company will pay you, and what you owe on your auto loan.
What Does Gap Insurance Cover?
GAP insurance covers the difference between what your car is worth, and what your insurance company will pay if it is totaled. How does it work?
What GAP covers is best explained with a classic example. Let’s say you bought a brand-new Honda Civic for $20,000. You financed it and bought GAP insurance. The second you drive off the lot, you’re in a major accident that totals your car. Your insurance company pays you $15,000 for the totaled vehicle, but what about the remaining $5,000 that you owe? That’s where GAP insurance comes in. GAP insurance will cover the $5,000, plus it should (depending on your policy) cover any deductibles involved.
If you didn’t have GAP insurance, you’d be on the hook for the remaining $5,000. You’d still have to be making monthly payments for a vehicle that you don’t even have anymore.
When Is GAP Coverage Worth It?
GAP coverage is available for both used and new cars. Finance managers will try to sell it on all eligible vehicles. Fortunately, some lenders will directly state if a vehicle is eligible for GAP coverage. This prevents GAP from being sold when it’s absolutely not needed.
You should buy GAP insurance when you don’t have a lot of equity in the vehicle when you drive it off the lot. This situation happens when your trade-in wasn’t worth that much, or you simply didn’t put that much money down. So, if you’re wondering should I buy GAP insurance, you need to look at how much equity you’ve already put into the car.
A general rule of thumb is that you should have GAP coverage if you put less than $5,000 down on the car. Keep this in mind when you’re at the dealership, asking yourself, “should I buy GAP insurance?”
Of course, the above rule is not appropriate in every situation. If you buy a car for $60,000, this rule won’t apply. Why? It’s because the second you drive it off the lot it’s worth 20% less. Your $60,000 car is now worth $48,000. You would need to put $15,000 or more down to avoid needing GAP insurance.
So should you buy GAP insurance? It ultimately comes down to how much you’re financing compared to how much you put down.
What About Leasing GAP Coverage?
Most leases include GAP coverage by default, so you typically don’t need to purchase it separately. However, some brands—such as Toyota, Mazda, and a handful of others—do not include GAP in their leases. If you’re leasing a vehicle, always check the contract to confirm whether GAP is included. If a dealer tries to add GAP coverage to a lease where it’s already included, that would be unethical.
The Cost of Gap Insurance
The exact cost of GAP insurance depends on where you buy it, the price of the car, and the amount of your down payment. Typically, at a dealership, an F&I Manager will take a policy that costs them $250 and try to sell it to you for $980. That’s why you should always negotiate your GAP insurance costs; they’re likely just trying to boost profits.
Negotiate GAP Insurance – Avoid Dealer Markups
Try to get them down to a price that’s around $500 or lower, or better yet, get a quote from your local bank or auto insurance company. Those policies can run as little as $100 or $200 if purchased from your existing insurance company.
If you buy GAP insurance at the dealership, the cost is added onto the amount that you’re financing. This means that it will boost your monthly payment, but it won’t be by much. If you paid $500 for GAP coverage and spread it out over a five-year loan, you’re looking at an increase of $8.30 per month (recognize this is a sales tactic the F&I Manager will use on you). Of course, the specifics will vary based on what you end up paying for the coverage and the length of your loan.
Anyone wondering if they should buy gap insurance should keep in mind that it’s relatively cheap compared to what you could be on the hook for without it.
Should I Cancel GAP Insurance?
GAP coverage is useful, but it’s not needed for the duration of your loan. Once you’re around halfway through the loan, assuming you didn’t pay any extra against the principle, you should cancel the GAP insurance. If you did pay extra against the principle, you should cancel even earlier.
To cancel your coverage, all you need to do is call the dealership and ask for it to be canceled. The pro-rated amount of what’s left will come off the principle of your loan. This won’t reduce your monthly payment, but it will reduce your total payoff amount.
When you buy a new car with GAP insurance, set a reminder in your phone to tell you when it’s time to cancel. You might not remember as the years go by, but your phone definitely will.
So, Do I Need GAP Coverage?
Not everyone will need coverage, but many will.
If you’re still wondering if you need GAP insurance, take a look at all the numbers involved. It all depends on how much equity you have in the car when you drive off the lot. You’ll need to take a look at your down payment or trade-in value to determine if you need GAP insurance. In many situations, it’s well worth having. However, if you have enough equity in the car when you buy it, you don’t need it, and you can save a big chunk of money.
FREE help: Car Buying Cheat Sheet – Former Dealer Shares How to Negotiate Car Prices Confidently
Genesis Certified Pre-Owned Pro Review
Genesis is one of the premium luxury brands that people often want to buy brand-new. That isn’t always necessary, though. You can buy a Genesis certified pre-owned (CPO) vehicle that looks completely new without the brand-new Genesis price.
We’re about to dive into the Genesis CPO program and discuss the warranty, inspection process, and added perks. We hope that Genesis has lived up to its reputation with its CPO program.
TLDR; We like the Genesis certified pre-owned program. The only downside is the lack of a new warranty that typically starts when you buy a CPO vehicle. However, it retains two warranties that will still be active when you make your purchase. Their inspection is provably thorough, and they include plenty of valuable perks.
Genesis’s Certified Pre-Owned Warranty Information
To qualify to become a Genesis certified pre-owned vehicle, the Genesis must meet the following criteria:
- 60,000 miles or fewer
- 2017 or newer Genesis G70/G80/G90
It must also undergo the 191-point inspection. Once it meets all of this criteria, it will be sold as a certified pre-owned vehicle.
What does Genesis’s Certified Pre-Owned Warranty Cover?
Genesis does not offer any new warranties with their CPO vehicles. Instead, they receive the remainder of the existing warranties.
All new vehicles come with a Limited Warranty that covers most components in the car. The warranty covers issues that stem from a manufacturer defect and does not cover any abuse, neglect, or misuse issues.
Additionally, all vehicles come with a Powertrain Limited Warranty. This warranty covers any issues related to the engine, transmission, or drivetrain. The conditions are the same as the Limited Warranty; the problem cannot be abuse, neglect, or misuse.
Both programs call for a $50 deductible per visit. This practice isn’t unheard of but is a downside of any CPO program. A premium CPO program doesn’t charge anything for warrantied repairs.
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Genesis does offer extended protection plans that you can purchase on top of your Genesis certified pre-owned vehicle. They do not make information about these plans available on their website and direct you to discuss them with a retailer. The programs are called:
- CPO Wrap Vehicle Service Contract
- Term protection
- Pre-Paid Maintenance
- Guaranteed Asset protection (GAP)
The lack of a brand-new CPO warranty is disappointing to us. Failing to provide a new warranty that takes over after the new vehicle warranty expires is a big missed opportunity. However, they do give a more extended new vehicle warranty than most. This means that most CPO vehicles will still have a fair amount of time left with a warranty.
How long does Genesis’s Certified Pre-Owned Warranty Last?
The two warranties that Genesis certified pre-owned vehicles come with have varying lengths:
Limited Warranty:
- 6-years or 75,000 miles, whichever comes first
- Begins when the car was first sold
Powertrain Limited Warranty:
- 10-years or 100,000 miles, whichever comes first
- Begins when the vehicle was first sold
There is no additional warranty that starts when you buy the car, which is a massive drawback of this plan. The one thing that might redeem this flaw is that the Limited Warranty lasts for quite a bit longer than other automaker’s warranties.
Compared to the requirements to be in the CPO program, every CPO vehicle will still have some time left on the Limited Warranty and Powertrain Limited Warranty, although the remaining time will vary.
Genesis’s Certified Pre-Owned Inspection
Every Genesis certified pre-owned vehicle undergoes a rigorous 191-point inspection before being sold. You can view the complete checklist on their website, but we’ll cover the main highlights below:
- Ensure a clean vehicle history via Carfax
- Road test, including car ignition and throttle operation
- Exterior, including body panels fit and headlamp operation
- Interior, including side mirror control operation and interior lighting operation
- Mechanical, including engine belts and hood insulation condition
- Maintenance, including engine oil and transmission fluid
- Tires and wheels, including tread depth and lug nuts presence
This checklist may not seem like a comprehensive list, but their inspections are thorough. They’ve categorized all of the inspection points a bit broader than some other car manufacturers.
Having a 191-point inspection puts them above the industry average, which we’d expected from Genesis. For comparison, Volkswagen only inspects 112 points.
Other Genesis Certified Pre-Owned Perks
Every CPO program includes a few perks as a thank you and perhaps to sway buyers. Genesis provides the following bonuses with all of their CPO vehicles:
- Comprehensive Carfax report (are those trustworthy?)
- Rental car reimbursement, $50 per day for up to 10 days
- Travel reimbursement if a covered mechanical breakdown occurs over 150 miles away from your home
- 10-years and unlimited miles of 24/7 roadside assistance, covering all common issues such as dead batteries and flat tires
- Three years of service of Genesis Connected Services, which connects to your smartphone to provide vehicle maintenance information, remote start, climate control, and enhanced roadside features
- Three-month trial to SiriusXM
These perks are above average compared to other CPO vehicles. Again, that’s what we’d expect from a brand like Genesis. Three years of Genesis Connected Services is an excellent perk, as well as the generous rental reimbursement.
Overall, we recommend the Genesis certified pre-owned vehicle program. The only drawback is not offering a new CPO warranty. However, the length of their new vehicle warranty that rolls over makes up for it. Their inspection is thorough, but we still recommend that you have a third-party mechanic perform a pre-purchase inspection before signing any contracts.
Volvo Certified Pre-Owned Pro Review
Volvo seems to have a group of hardcore fans who refuse to drive anything else (heck, I used to be one of them!) Buying a Volvo certified pre-owned vehicle is an excellent way for these fans, or casual appreciators, to get into a Volvo that is in excellent condition without the new car price tag.
We’re about to examine the Volvo certified pre-owned program, including the warranty, inspection process, and provided perks.
TLDR; The Volvo CPO offering has a more extended warranty than most with unlimited mileage. The inspection process is thorough and safety focused. We recommend this program for anyone looking to get into a Volvo without paying new car prices. However, the lack of a separate powertrain warranty does bring the entire program down.
Volvo’s Certified Pre-Owned Warranty Information
To become a Volvo certified pre-owned vehicle, the car must meet the following criteria:
- Five years old or newer
- 80,000 miles or fewer
- A complete clean Vehicle History Report
- Pass the 170+ point inspection
Once a vehicle has fulfilled all these conditions, it will be added to the Volvo CPO inventory.
What does Volvo’s Certified Pre-Owned Warranty Cover?
Volvo offers one warranty for all its certified pre-owned vehicles. This warranty covers:
- Engine
- Transmission
- Drive axle (both front and rear)
- Steering
- Suspension
- Brakes
- Electrical
- Air conditioning
They say their warranty covers over 1,000 individual components, which may sound like a lot, but that’s a bit low for a bumper-to-bumper warranty.
Five years is quite a bit longer than most CPO programs offer on their bumper-to-bumper warranty. However, those with a shorter bumper-to-bumper warranty typically also provide a separate powertrain warranty. We’d like to see a powertrain warranty that lasts longer, even if it means shortening the current warranty.
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Volvo is doing the right thing by not charging a deductible for warrantied repairs. That will save a good chunk of change over the life of the vehicle.
The Volvo certified pre-owned warranty is fully transferable with no apparent fee. This dramatically increases your resale value should you decide to sell.
How long does Volvo’s Certified Pre-Owned Warranty Last?
Every Volvo certified pre-owned vehicle comes with a 5-year and unlimited mileage warranty. This warranty can be upgraded to last for ten years; however, Volvo does not disclose the cost of this upgrade. Instead, Volvo directs you to discuss this with an authorized dealer.
Unlimited mileage makes this warranty stand out among the crowd of CPO warranties. Most other CPO programs offer a shorter duration and a cap on miles. Providing an extended warranty with no cap is a massive benefit of this program.
The only downside is the lack of a powertrain warranty with a longer duration. Most automakers provide two warranties as opposed to one. Instead, they roll powertrain coverage into the current warranty. While an acceptable plan, we’d prefer two warranties so that the powertrain is covered longer than the rest of the car.
Volvo’s Certified Pre-Owned Inspection
Every Volvo that’s in the CPO program has passed 170+ point inspection. You can view the complete checklist online, but we’ll cover the main highlights below:
- VIN inspection, including making sure all VINs match
- Road test, including starting cold and transmission sound
- Body exterior, including inspection of frame and body panels
- Interior, including audio system and heating/AC
- Powertrain, including engine mechanical condition and engine mount condition
- Transmission, including drive axles conditions and fluid level
- Suspension and steering, including power steering pump condition and steering linkage condition
- Safety inspection, covering brakes, door locks, airbags, glass condition, lights, and wheels
One thing that jumps out about the Volvo inspection process is that there is a separate section specifically for inspecting the vehicle’s safety. While it could be argued that all the inspection points for any CPO program are about safety, seeing Volvo highlight a safety inspection inspires confidence.
Overall, the Volvo inspection process covers more inspection points than most, but not by much. The average is around 150 inspection points, and Volvo goes just a bit over that.
Other Volvo Certified Pre-Owned Perks
Volvo, like other automakers, provides a handful of perks with their pre-owned inventory. When you buy a Volvo certified pre-owned vehicle, you’ll receive:
- Carfax vehicle history report (are those trustworthy?)
- Every vehicle made after 2015 comes with Volvo On Call free for one year, allowing you to lock, unlock, and remotely start your car from your smartphone. It also allows you to access emergency roadside assistance.
- 24/7 roadside assistance for the length of your warrant, covering lockouts, jump starts, emergency tows, and fuel delivery
- Rental car reimbursement, up to $35 per day for up to 10 days per breakdown resulting in warrantied repairs
- Travel reimbursement, covering up to $100 per day up to $500 per occurrence if you break down more than 100 miles away from your home
- Three-month subscription to SiriusXM
Volvo’s product offering is undoubtedly robust. Many other automakers have similar offerings, but then again, some offer way fewer perks, too. The main thing that makes this perk offering unique is the Volvo On Call service, which is unique to Volvo.
Overall, we’re neutral towards this warranty. We would appreciate it if Volvo separated the powertrain coverage into its warranty with an extended duration. However, the unlimited mileage on the provided warranty almost makes up for it. The inspection point count is higher than many, and we like the specific focus on safety for part of the inspection. However, you should make sure that you get a pre-purchase inspection from an independent mechanic before buying a CPO vehicle.
While the Volvo certified pre-owned program is adequate, we would only recommend it if you’re a fan of Volvo. Otherwise, there may be a better program with a more in-depth warranty offering out there for you.
Mini Certified Pre-Owned Pro Review
Mini is one of those brands that attracts certain people and retains them for life. With a unique style and particular offering, people often become lifelong fans of Minis. However, getting into a brand-new Mini can be quite expensive. Fortunately, Mini offers a certified pre-owned (CPO) program specifically for those who want a warrantied, and inspected vehicle, but don’t want to pay new prices.
We’re about to look at the Mini certified pre-owned program. We’ll examine what the warranty covers, how long it lasts, the depth of their inspection, and discuss any perks they include.
TLDR; We are neutral towards the Mini certified pre-owned program. While they offer a thorough and impressive inspection, they also don’t provide much of a warranty. We’d like to see a more extended warranty or a separate powertrain warranty that lasts longer. Overall, the CPO program is excellent for Mini fans, but there’s likely a better program out there for everyone else.
Mini’s Certified Pre-Owned Warranty Information
To become a Mini certified pre-owned vehicle, the car must meet the following requirements:
- Five years old or newer
- 60,000 miles or fewer
- Pass a 197-point checklist
If a car meets all these conditions, it may be sold as a Mini certified pre-owned car. It’s worth noting that the car must pass the inspection with a score of 100%.
What does Mini’s Certified Pre-Owned Warranty Cover?
The Limited Warranty covers any issue that can be considered a manufacturer’s defect. Mini has provided a comprehensive list of items that are not covered on their website, but we’ll go over the main points below:
- Vehicle maintenance, including fluid replacement and brake pads
- Upkeep, including batteries and coolant
- Suspension, including ball joints and coil springs
- Body, including air leaks and water leaks
- Interior, including bulbs and trunk mats
- Accessories, including all non-original parts
This level of coverage is standard for a certified pre-owned program. Automakers typically do not cover anything related to negligence or abuse, which is largely what is covered in the list of exclusions.
When repairs are made, Mini explicitly states that they will only use genuine Mini parts. This policy is excellent, as genuine parts are typically far superior to aftermarket parts.
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Something that jumps out at us is the lack of a separate powertrain warranty. We would love to see Mini offer an entirely different warranty that focuses on the powertrain and for that warranty to last for longer than the standard warranty.
Mini charges a $50 deductible per visit for any warrantied repairs. While this is nothing compared to the cost of replacing a transmission, it can still add up over time. We generally don’t like when CPO programs charge a deductible for their warranty repairs.
How long does Mini’s Certified Pre-Owned Warranty Last?
Every Mini certified pre-owned vehicle comes with a six-year Limited Warranty with no mileage cap. However, the warranty begins when the car was originally sold, not when you purchased the car.
Warranties can be transferred to a new owner, but there is a $200 warranty transfer fee. If you decide to sell your car, you can leave this fee up to the buyer. However, charging a transfer fee is far from ideal and is a mark against the Mini CPO program.
Mini’s Certified Pre-Owned Inspection
Mini conducts a 197-point inspection of any vehicle before it is sold as a CPO car. You can view the complete checklist on their website, but we’ll cover the main points below:
- Vehicle background and maintenance, including a vehicle history report and checking for recalls
- Wheel assembly, including a tire inspection and brake inspection
- Body condition, including front bumper condition and interior condition
- Mechanical, including headlight assembly and engine oil fluid levels
- Stationary review, including pedal function and audio function
- Rolling review, including engine performance and transmission noise
Mini has a lot of inspection points under each of the above categories. We’re impressed by the thoroughness of their inspection, and it gives us confidence in their CPO program overall. We believe that the inspection is an essential part of the CPO program, and Mini is doing excellent in that department.
Other Mini Certified Pre-Owned Perks
All certified pre-owned Minis come with 24/7 roadside assistance covering all the common issues, such as replacing a flat tire, emergency tows to a Mini dealer, or lockout services.
Surprisingly, roadside assistance is the only perk discussed on the official Mini certified pre-owned website. We checked other sources, and the only additional perk some discuss is a three-month subscription to SiriusXM. However, we are not able to verify that bonus.
We’re surprised by the Mini perk offering. It’s one of the most minimal offerings that we’ve seen among all the CPO programs we’ve reviewed.
Overall, we are neutral towards the Mini certified pre-owned program. If you’re a specific fan of Mini and don’t want to pay brand-new prices, then the CPO program is a great way to go. However, if you’re shopping around and investigating different CPO programs, there are better programs out there. We would like to see Mini offer a specific CPO warranty that begins when you buy the vehicle or provide a separate powertrain warranty that lasts for longer.
The best thing we can say about the Mini CPO program is that their inspection is quite intense. They are well above the average amount of inspection points, and this is something we greatly appreciate. However, we must mention that you should always have a pre-purchase inspection before buying your CPO Mini.
Fiat Certified Pre-Owned Pro Review
Anyone looking to get into a Fiat may be deciding between a new or used vehicle. Yet, there’s a third option: certified pre-owned (CPO). A certified pre-owned car has been owned before, but it’s been thoroughly inspected and comes with a warranty. It’s the perfect middle ground between a new and used car.
We’re about to look at the Fiat CPO program and discuss the warranty, inspection process, and any bonuses that they include.
TLDR; We do not recommend the Fiat certified pre-owned program. Fiat makes little information about its CPO program known on their website. They’ve left us with many unanswered questions, so you’ll need to make sure to take notes and ask plenty of questions at the dealership. Their warranty coverage is lacking, as it’s possible to buy a car with only one year and 5,000 miles left on the warranty. Their inspection is thorough enough. This program is only a good fit for people who specifically want to own a Fiat.
Fiat’s Certified Pre-Owned Warranty Information
For a vehicle to be sold as a Fiat certified pre-owned vehicle, it must meet the following criteria:
- Five years old or newer
- 75,000 miles or fewer
- Pass a 125-point inspection
Once a car meets all these criteria, it is warrantied and listed as a CPO vehicle.
What does Fiat’s Certified Pre-Owned Warranty Cover?
Every Fiat certified pre-owned car comes with a Comprehensive Limited warranty. Fiat’s CPO website does not have a comprehensive list of what is or is not covered by their warranty, which is strange. Most CPO programs have significantly more warranty information available. For example, Audi’s CPO program has a full list of what is not covered under their warranty.
We aren’t able to say what is covered with the Comprehensive Warranty that comes with a CPO Fiat. You’ll need to make sure that the Fiat dealership is crystal clear about what the warranty will cover and will not cover before making your purchase.
We do know that the warranty is transferable. This transferability significantly increases your resale value and can help you get the most money for your vehicle. Fiat does not disclose if there is or is not a fee for transferring the warranty.
Third-party sources report that there may be a warranty for covered repairs, although the exact amount or stipulations are not disclosed. Clarify with the dealership if there is a warranty before you make your purchase.
How long does Fiat’s Certified Pre-Owned Warranty Last?
Fiat’s CPO program includes a Comprehensive Limited warranty that lasts for six years or 80,000 miles, whichever comes first. It’s important to note that the warranty started when the vehicle was initially sold, not the day that you bought it.
If you compare the warrantied timeframe with the requirements to be in the CPO program, it’s possible to buy a car that is only warrantied for one year and 5,000 miles. You need to be careful when searching for a Fiat certified pre-owned car to ensure that you have the maximum warranty length possible. The newer, the better.
Fiat’s Certified Pre-Owned Inspection
Fiat conducts a 125-point inspection on all vehicles before they are sold as a certified pre-owned car. You can view the complete checklist online, but we’ll cover the main highlights:
- Qualification standards, including no frame damage and a clean title
- Ownership materials, including Carfax report and owner’s manual
- Pre-road test, including underhood checks and operational checks
- Road test, including steering performance and braking performance
- Post-road test, including fluid levels and inspecting for any leaks
- Maintenance standards, including inspecting air filter and oil level
- Exterior condition, including body panels condition and bumper condition
- Interior condition, including the instrument panel and seating condition
- Details standard, including exterior wash and wax
The Fiat inspection is thorough and examines all the points we would expect. While the inspection point count is slightly lower than others, it’s not low enough to be a concern.
Other Fiat Certified Pre-Owned Perks
Like other automakers, Fiat has chosen to include a handful of perks to tempt you to buy a Fiat certified pre-owned vehicle. Those perks are:
- A comprehensive Carfax report (are those trustworthy?)
- Three-month trial to SiriusXM
- 24/7 Roadside Assistance, covering emergency tows to a Fiat dealership, lockouts, jumpstarts, and flat tire service.
- Rental car allowance, although the exact stipulations are not disclosed
These perks are a standard offering for a CPO program. Nothing stands out as unique, but it’s good to have some bonuses if you’re going to buy a CPO Fiat anyway. We wish Fiat made more information available about their rental car allowance. That’s another item to clarify with the dealer before making your purchase.
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We are not impressed by the Fiat certified pre-owned program. What jumps out the most about their program is not the program itself, but how little information is available about it on their website. There are so many unanswered questions that you’ll have to ask when you visit the dealership.
While their inspection is thorough, we are displeased by their warranty offering. It’s possible to buy a CPO car that is only warrantied for 5,000 miles; that’s less than two oil changes. You’ll need to make sure you buy the right Fiat to avoid ending up with a short warranty.
Even though the inspection is thorough, we always recommend that you have a third-party mechanic perform a pre-purchase inspection before you go through with the sale. Once the mechanic gives you their report, you’ll be ready to proceed or back out of the sale.
Ultimately, Fiat’s CPO program is only attractive to those specifically looking for a Fiat but who don’t want to pay new car prices. For everyone else, there are better CPO programs out there.
