Guaranteed Asset Protection (GAP) covers the difference between what your auto insurance pays and what you still owe on your loan if your car is stolen or totaled.
It's an extra layer of protection that can save you thousands—and serious stress.
It's an extra layer of protection that can save you thousands—and serious stress.
How Does It Work?
You bought a car for $25,000... A year later, you still owe $21,000,
but your insurance only covers $18,000 after depreciation.
That leaves a $3,000 gap.
Without GAP:
You pay:
$3,000
out of pocket.
With GAP:
You pay:
$0
out of pocket.
GAP is especially valuable if:
You made a low or no down payment
You financed your car for 60 months or longer
You drive high mileage or commute long distances
You’re buying a vehicle that depreciates quickly
(like luxury, electric, or select models)
Additional Benefits with OneAZ GAP Coverage
When you choose GAP through OneAZ, you get more than just loan protection — you get peace of mind.
-
GAP Coverage
Pays the difference between your remaining loan balance and your insurance payout. -
GAP Advantage
Receive $1,000 toward your next OneAZ auto loan after a total loss. (Up to 90 days after a total loss GAP claim has been paid.) -
Auto Deductible Reimbursement (ADR)
Get reimbursed up to $500 per insurance claim to cover your deductible for the first 3 years of coverage. -
ID Restoration Consulting
Access professional support to restore your identity if you're the victim of identity theft. -
Warranty Vault
Digitally store and access all your product warranties, 24/7.
How Much Does GAP Insurance Cost?
GAP coverage starts at just $595 — a one-time cost that can
be rolled into your auto loan. That’s a small price for major protection.
OneAZ GAP Insurance Cost
$595
Market
Average
Average
$1,200
OneAZ GAP
Insurance Cost
Insurance Cost
Market
Average
Average
$595
$1,200
Let’s Protect Your Investment
GAP coverage is available for new and used vehicles financed through OneAZ.
