my friend is the manager of a credit union - I had her finance my crossfire and she did sell me gap insurance. It was $195 and will pay the difference of what you insurance will pay if it is totaled and what you owe on it. Plus they give me a thousand dollars to use as a down payment on your next car...

I am not sure who they are using but this is the first time they have ever offed it as other "gap insurance" plans are not up to par that they have looked into in the past.

If you are finanacing more then 60 months and did not put anything down then there is a good chance you will always be upside down on your car untill the last couple of years. Not knowing what the residuals on this car will actually be I thought it was well worth $195 plus if somthing does happen it cost me negative $805

-marc