Charlie's Family of Dealerships has teamed up with one of the most trusted brands in the insurance industry to help protect your Charlie's vehicle after you purchase it. These small investments have saved our customers thousands and thousands of dollars over the life of their vehicle ownership.

What Is GAP Coverage and How Does It Protect My Vehicle?

Guaranteed Asset Protection (GAP) can help bridge the gap between what you owe on your vehicle and its worth at the time of an accident or theft.

If your vehicle is declared a total loss due to an accident or theft, most auto insurance policies will cover it for up to the fair market value. But, what if you owe more than that to your lender or your lease financing company? That is when GAP coverage would be a huge benefit.

For example, let's say you bought a new car for $20,000. You made a $2,000 down payment, so you financed $18,000. A couple of months later, you get into an accident. Thank goodness, no one was hurt-but your car is totaled. Now, your car is valued by your insurance company at only $15,000. In those two months, you've made two car payments of $450 each-and you haven't made much of a dent in your principal. Now, you owe a lot of money on a car that doesn't exist anymore. That's where GAP coverage would kick in, helping you to avoid paying out of pocket for a car that's been destroyed.

GAP Coverage

More Than Collision Protection

A Vehicle Service Contract can save you thousands of dollars on auto repairs. It covers repairs and parts replacement after a breakdown beyond the terms of your factory warranty. Plus, it's easy and convenient and it can help you protect your investment.

  • Pays 100 percent of covered parts and labor, after deductible
  • Transferable, can add to your auto's resale value
  • Protects against rising cost of inflation

See How Much You Could Save

With the trend toward consumers keeping their vehicles longer, protection is an important consideration. Vehicle Service Contracts provide the consumer with additional resources to help reduce the increasing out of pocket expenses caused by the complexity of today's automotive technology.

  • Exceptional claims handling and processing
  • 24/7 Emergency towing service
  • Bilingual customer service
  • Rental reimbursement coverage

VSC Coverage

We?ve Got You Covered

Your vehicle will likely need more repairs the more miles it is driven-often after your factory warranty has expired. With the Vehicle Service Contract, you won't have to worry about high repair costs for covered breakdowns. The chart below shows how the Vehicle Service Contract covers up to 400+ parts depending on options.

More Than Road Hazard Protection

Road hazards- we're all familiar with them. Whether it's a pothole or a lone nail that takes up residence in one of your tires. If your vehicle's tires are damaged by an encounter with a road hazard, you could be left stranded.

Allstate Tire & Wheel allows you TO GO THE DISTANCE without emptying your pockets.

If a road hazard leaves your tires and wheels damaged, Allstate Tire & Wheel will repair or replace the damaged tire and wheel. And our plan is customer friendly because IT PAYS THE SERVICE FACILITY directly. 

Tire & Wheel Program