Insurance

Guaranteed Auto Protection

Your Auto Insurance Does Not Cover Everything

In the event your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will usually cover only the actual cash value or market value of your vehicle less a deductible. This settlement could be significantly less than the amount you owe to your lender or leasing company. The final result is a financial GAP where you must make up the difference, which could mean thousands of dollars out of your pocket.

Protection Through Guaranteed Auto Protection Plus

  • Guaranteed Auto Protection Plus Protects individuals who finance a new or used vehicle from the financial GAP

    • In the current market, during the first few years that you own your vehicle, your loan/lease balance can be higher than the actual value of your vehicle, as a result of depreciation. As your vehicle's value declines, your loan/lease balance may decline more slowly, resulting in a financial gap. If your vehicle were stolen or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan/lease balance

  • Guaranteed Auto Protection Plus covers the difference between the actual cash value of your vehicle and the loan/lease balance, less delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges

  • Guaranteed Auto Protection Plus will even cover your auto insurance deductible of $500.00 or $1,000.00. The actual amount depends on your credit union's program limits. Ask your lender/loan officer for details

  • Guaranteed Auto Protection Plus is a loan/lease deficiency waiver and is not offered as insurance coverage

The purchase of Guaranteed Auto Protection Plus is voluntary and cannot be required as a condition of credit approval.

Mechanical Breakdown Insurance

Avoid Costly Repairs

Be ready for the unexpected and ensure you’re covered in the event a mechanical breakdown occurs. With Mechanical Breakdown Protection from Route 66 Warranty, you can rest easy knowing you are covered. Route 66 Warranty’s Mechanical Breakdown Protection Plans are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires providing added resale value.

Inclusive Benefits:

  • Zero Deductible

  • Nationwide Coverage

  • 24/7/365 Emergency Roadside Service

  • 30 Day Money-Back Guarantee

  • Transferable

  • Trip Interruption

  • Direct Claim Payments Via VISA®/MasterCard

Total Loss Refund

If your car is declared a total loss by the insurance company due to collision or act of God, we will refund the entire original premium of your service agreement. All of our plans come with Rental Car Allowance and 24 hour/7 days a week Emergency Roadside Service for when the unexpected happens:

  • Towing

  • Battery Jump Starting

  • Safe and Secure Package

  • Lock-Out Service

  • Flat Tire Assistance

  • Minor Adjustments