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There are several kinds of GAP insurance coverage including 'return to worth', 'return to bill', 'vehicle alternative' and finance cover.
I am guessing I am in a minority right here, but I'm the sole earnings earner για our family (me+spouse+3 children underneath 6). Let's simply say that a new automotive isn't an option για us in the mean time.
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My USAA car insurance increased about $20/month when going from a 2008 Toyota Prius to a 2013 Model S. Seems φθηνη to me.