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I just purchased a 2024 Honda HR-V EX-L a week ago from the dealer. The dealer tried to offer me GAP insurance for the car for $1200. I felt like the price was too high so I declined.

I also declined it because I thought that I had gap insurance through State Farm but I actually don’t and they don’t offer it. The reason why I thought I had GAP insurance though State Farm is because my previous car was deemed a total loss after it was stolen and found needing 10k of repairs, State Farm paid off my car loan which had 9k left on it, and I got a 6k check after they paid off my car loan. I had GAP for my old car and didn’t even end up needing it when it was deemed totaled.

I am feeling regretful for not getting the gap protection. Is it still possible to get it through the dealer? I’m hoping that my loan being modified doesn’t change the interest rate. Also, is gap insurance available in a standalone form for purchase? My car loan is through Honda Finance and my interest rate is good, so I don’t want to lose that interest rate. The only reason why I would want the GAP is in case the car gets totaled. I do plan to pay extra on my car note



Submitted March 22, 2024 at 10:29PM by Applemcdapplez https://ift.tt/PLCQK3O

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