Ancillary Auto Loan Coverage
Affordable Ways to Protect Your Car and Wallet
Ancillary Auto Insurance are a must-have for smart drivers.

Purchase any two ancillary products along with an Inspired/Inspired Plus checking and save an additional 0.25% APR* off your auto loan rate.
Mechanical Breakdown Insurance
Ensures that drivers are not burdened by costly repairs after their vehicle’s warranty expires, covering unexpected breakdowns and extending the life of their car.
Guaranteed Asset Protection
Provides vital coverage when the car’s value is less than the amount owed on the loan, and may cover the difference if the vehicle is totaled or stolen.
Debt Protection
Helps safeguard against life’s unpredictable events, such as job loss or illness, by covering car loan payments during times of financial hardship.
Depreciation Protection
Provides protection on your vehicle equity and hedges against depreciation over the life of the loan.

Mechanical Breakdown Insurance (MBI)
Expensive repair bills can leave you stranded financially if you are not prepared. With Mechanical Breakdown Insurance (MBI), you will have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures.
- Competitively priced coverage for new and used vehicles with low or no deductible
- Cost can be financed into your loan payment
- Repairs authorized at any licensed facility in the US and Canada
- Claims paid directly to the repair facility
- Additional benefits include 24/7 emergency roadside assistance, towing reimbursement, lock out service, rental car assistance and much more
- Coverage may be cancelled at any time for any reason

Guaranteed Asset Protection (GAP)
In the event your vehicle is totaled or stolen and not recovered, your primary insurance company settlement can be significantly less than your outstanding loan or lease balance. This may create a deficiency balance or a “gap” resulting in a serious financial hardship for you. Not only do you need to finance a loan for a replacement vehicle, you also have to pay off the deficiency balance left on your current loan. GAP waives all or part of the loan balance that your primary insurance carrier did not cover, subject to limitations and exclusions including a loan to value maximum.
- 60-day free look period
- Protection is provided for the term of the loan (up to 84 months)
- Covers primary insurance deductible up to $1,000 deductible coverage available in all states
- No model, mileage or year restrictions
- Waives all or part of the out-of-pocket expense for the remaining loan balance after loss settlement
- Helps you avoid financial hardship and afford a replacement vehicle
- May prevent negative equity from being added to new loan
- Helps protect your credit rating

Debt Protection Plan (DPP)
Debt protection may cancel your outstanding loan balance or cancel your monthly payment without penalty or added interest if an unexpected, covered event were to happen.
- Helps protect your credit rating by saving you from defaulting on a loan
- Adds cost-effective financial protection to your financial portfolio
- Can provide a financial safety net when you or your loved ones may need it most

Depreciation Protection Waiver (DPW)
In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.
- Protection for collision
- Life of loan protection
- No mileage or year restrictions
- Protection for theft and fire
- 100% open enrollment
- Protection for vehicle depreciation
Wheelhouse helps car lovers get the most out of their membership.
Purchase Membership to the San Diego Automotive Museum. Benefits of your SDAM Membership include unlimited visits to the museum, 10% off museum shop purchases, invitations to special events, access to the newsletter, and more.


Disclosures
Your purchase of Mechanical Breakdown Insurance (MBI) is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for MBI. This information will include a copy of the MBI policy terms and conditions. Which will contain the terms and conditions of the MBI policy. There are eligibility requirements, conditions, and exclusions to the MBI program. You should carefully read your MBI policy for a full explanation of the benefits, rules, terms, and conditions of the program.
Your purchase of GAP Advantage is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP Advantage. This information will include a copy of the GAP Waiver which will contain the terms and conditions of the GAP Advantage benefit. There are eligibility requirements, conditions, and exclusions, including a loan-to-value maximum that may cap the benefit you receive from GAP Advantage. You should carefully read your GAP Waiver for a full explanation of the benefits, rules, terms and conditions of the program.
Your purchase of Depreciation Protection (DPW) is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for DPW. This information will include a copy of the DPW Waiver which will contain the terms and conditions of the DPW benefit. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits and are explained in the DPW Waiver. You should carefully read your DPW Waiver for a full explanation of the benefits, rules, terms and conditions of the program.
This product is optional
Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.
Additional DisclosuresWe will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.
Eligibility requirements, conditions and exclusionsThere are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.
Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.
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