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When refinancing your car, adding GAP insurance protects you from owing more than your car is worth if it’s totaled or stolen. It’s essential for high LTV loans. You can often cancel your dealership GAP and get a refund, then replace it with a more affordable and better policy during refinance.

Dealerships often mark up auto loan interest rates, costing you more over time. Refinancing offers lower APRs, fewer hidden fees, and real monthly savings. Just a 2% rate drop can save you thousands. Skip the dealer and refinance online for better rates, more transparency, and long-term financial benefits.