GAP insurance - Kawasaki ZX-10R.net
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post #1 of 12 Old 03-06-2007, 07:15 PM Thread Starter
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GAP insurance

GAP insurance

any advice on where to get it? the little reading that i did said not to buy it from the dealer, but id like to get it "just incase".

looking for advice/recommendations
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post #2 of 12 Old 03-06-2007, 07:25 PM
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i know from personal experience most insurance brokers will try to find you the best deal, but if you know someone at insurance co. they could possibly get underwriter to get you a better deal... and tha applies to regular insurance as well..

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post #3 of 12 Old 03-06-2007, 07:37 PM
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Depending where you go, I was offered it through my credit union?

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post #4 of 12 Old 03-06-2007, 07:50 PM
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Quote:
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Depending where you go, I was offered it through my credit union?
forgot about credit union

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post #5 of 12 Old 03-06-2007, 07:54 PM
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my friend bought a busa form the dealer brand new $11200 out the door. he also bought about $1600 dollars of extras (they ripped him a new one on that). and he got gap insurance from the dealer for $350. about 2 month latter the bike got stolen from in front oh his house. not to smart to leve it sitting out side. his insurance company was only goning to cover $8900 of that. the best thing he did was buy the gap insurance and they paid off the rest of the loan. he would have been stuck with $3900 lone on a bike that he didnt even have. so i say its worth it. i guess it up to you on what you want to do though.
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post #6 of 12 Old 03-06-2007, 07:58 PM
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I got financed through State Farm Bank. They offer some of the best APR's around and starting September 2006, they include GAP insurance with their loans.

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post #7 of 12 Old 03-06-2007, 08:33 PM
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I've never purchased it, but researched it quite a bit when I bought a silly expensive car a few months into my first post college job.

At any rate, the deal was it needed to be purchased within say 30 days of delivery. It is not something you can traditionally opt for down the road.

At least that was the case in 1993.

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post #8 of 12 Old 03-06-2007, 08:49 PM
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I've gotten it on my last 3 cars. I never needed it because I kick ass at negotiating! I had an Isuzu Amigo that we totalled. USAA paid it off and I ended up being ahead. My wife wrecked our '05 Grand Cherokee and I made over $5k on that wreck. I got it on my '05 Magnum and hopefully I dont need it.

It's WELL worth it. Some lenders wont even write a loan without gap insurance. I havent had to use it, but just as easily as I made money on the wrecks, I could have been upside down.

Kelly
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post #9 of 12 Old 03-06-2007, 09:34 PM Thread Starter
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the dealer wanted almost $800 for GAP, from the little research that ive done on the net though ive found it for $300. and the company sounds reputable, so far...
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post #10 of 12 Old 03-06-2007, 09:38 PM
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I've never paid over $350 for gap insurance. With the cheapest plan that meets your needs. I'd read ALL of the fine print before sealing the deal.

Kelly
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