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 Gap SM Waivers

Allstate Insurance Company

Great American Insurance Company

Lloyds of London

Arch Insurance Company

KnightBrook Insurance Company


The Insurance companies offer these products to the following: Franchised, Non-Franchised and Independent Automobile Dealers, Secondary Lenders, Motorcycle, RV, Marine and Mobility Dealers.

The companies have well over 100 years combined experience in the automotive industry. As times change, products are pioneered and reinvented for the current trends in the automotive field. In addition, superior products are created that provide protection and real benefits for today’s consumer.

The companies are experienced, professional and dedicated in assisting dealerships with implementation and training of agency products. Extensive individual or group training is ongoing with an active product dealer agreement. The latest and most innovative techniques are incorporated with current laws and legislative guidelines.

The extensive staff provides personable communication to dealers and customers, facilitating and claims, cancellations or general questions in a timely manner. A Claims Administrator works as an intermediary between consumers and insurance companies to process the necessary documentation in a timely fashion. This eliminates customer frustration allowing dealers to continue successful, long-term relationships with their customers. 

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”?    


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


We Offer $1,000.00 Back to Selling Dealer  towards new Purchase.

UP TO 60 Months Per Term $ 299.00

61 to  72 Months Per Term  $389.00

73 to 84 Months  Per Term  $489.00                                  

 Deductible Coverage up to  $1,000.00                                            

FINANCING UP TO   $150,000.00

POWER SPORTS GAP                                    

ATV $275.00



  Financing up to 150%                        

MotorHomes  Coverage                                  


TERM                               SINGLE AXLE                     MULTI- AXLE

 5 YEAR                                


                   RV           GAP





Financing up to 120  months


Price over $150,000.00 to $500,000.00