When you really need it, you will be glad you took the time to purchase good car insurance. The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Then, if trouble strikes, you and your family — and your family's finances — will be protected.

Everyone knows that car insurance can be expensive. However, in the Internet era, getting an online car insurance quote is fast and easy. With the resources and information we present here, it is easier than ever to compare auto insurance quotes. We will also tell you what differences exist between one auto insurance company and another. Basic coverage is described and comparative shopping strategies are clearly outlined. What about teenage drivers? We take a special look at shopping for car insurance for them. What if you have auto insurance but can't keep up with the expensive premiums? We might be able to show you how to continue getting the coverage you need while reducing your payments. And, finally, what about the mysterious type of insurance called "gap insurance"?      

                          Baker’s Insurance Group

Our goal is to give our customers 
as much information as possible to complete the forms,turn in the necessary documentation to process the paperwork with the insurer and get a check cut in a timely matter.

coverage is available for new or used Cars, Trucks, SUV's, RV's, PowerSports and Watercraft.  is offered to consumers nationwide by the dealer/lender and is approved by all major lenders/assignees.

provides consumers -  whether they buy or lease - the difference between the unpaid net loan or lease balance and the actual cash value of the vehicle, if and when there is a total loss.

In the event of a total loss due to theft, collision, fire or flood, We will eliminate the customer's financial GAP between the primary insurance company's settlement and the customer's loan payoff.

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         Auto Gap Insurance
  When it comes to gap insurance, there are a few things the savvy consumer needs to know. Gap insurance is separate from your regular car insurance and helps cover the difference between a totaled or stolen car's actual value and the remaining balance of the car loan. In short, if you total a car you still owe $17,000 on, the insurance company may say the car was only worth $15,000 due to the immediate depreciation as soon as the vehicle was driven off the lot. Gap insurance will cover the difference so you don't have to pay for a car that you no longer have use of.
  
  Gap insurance is usually offered at car dealerships when you are purchasing an automobile. The dealership will generally tell you that you can either purchase the gap insurance then, or not at all. This is not quite true, though! Fortunately for smart consumers, there is a wider window of opportunity for gap insurance purchases. 
  
  we offer drivers the ability to purchase gap insurance up to 12 months after they have purchased their car. We even offer gap insurance for used and refinanced vehicles! This means you can purchase gap insurance (within this 12-month time span) if have either purchased a new or used vehicle, or you have refinanced your current vehicle.
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GAP Total Protection (GAP) protects customers from the financial burden of a situation by covering the gap between the insurance settlement and the balance on the loan. In the event of vehicle theft or an accident that results in the total loss of your vehicle, most insurance companies only reimburse you for the market value of the car. This, along with the deductible, can create a significant gap between what your insurer will pay you and the balance owed on your loan or lease.

DEALER COST:  Automotive

 GAP   Per Term

( ALL DEBT WAIVER STATES)  

UP TO 60 Months Per Term $ 199.00

61 to  72 Months Per Term  $259.00

73 to 84 Months  Per Term  $315.00                                  

 Deductible Coverage up to  $1,000.00                                            

FINANCING UP TO   $150,000.00

POWER SPORTS GAP                                    

ATV $245.00

MOTORCYCLES $245.00

WATERCRAFTS   

  Financing up to 150%                        

MotorHomes  Coverage                                  

TRAILER TIRE AND WHEEL PROTECTION

TERM                               SINGLE AXLE                     MULTI- AXLE

 5 YEAR                                

 7YEAR                                                  

                   RV           GAP

   PROTECTION PROGRAM

DEALER COST:

MOTORHOME

RV GAP   

Financing up to 120  months

  $395.00

Price over $150,000.00 to $500,000.00

$595.00