Those who have had insurance when it mattered most will tell you that it is well worth the price.

GAP Insurance: 

If your vehicle is totaled or stolen, chances are your insurance company will pay the trade-in
value of your vehicle and you will be left with a balance on your loan and no vehicle. We now
offer insurance to cover that difference. Be sure to ask your loan officer about this added
protection.

Credit Disability Insurance:

If you were injured or became ill and unable to work, how would you make your loan payments?
Most of have some type of coverage through work, however that usually only covers a percentage
of your pay and you still have to pay 100% of your loan payments. For a minimal, no out of pocket
cost, you can protect your loan and yourself with credit disability insurance.

Credit Life Insurance:

Death and taxes, the two things we cant avoid. But why leave your loved ones with loan
payments when they're already grieving over losing you? Credit life insurance may pay off your
loan balances upon your death, giving your loved ones one less thing to worry about. Just like
credit disability, the cost is added onto your loan for no out of pocket cost.