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FINANCE

Add-On Insurance Products

[GAP](/glossary/gap-insurance), tire-and-wheel, key replacement, paint protection, anti-theft. Almost always F&I upsells at 2-4x aftermarket pricing.

// Why it matters

Add-on insurance products are the menu of optional protection plans sold in the F&I office after the vehicle price is set: GAP insurance, tire-and-wheel coverage, key replacement, paintless dent repair, paint protection, windshield protection, and anti-theft. Each plan costs the dealer $50-$300 wholesale and sells at $500-$1,200 retail — 2x to 6x markup. Identical or better coverage exists aftermarket: your auto insurer's GAP rider runs $20-$60/year vs. $700 at the dealer; tire-and-wheel from Discount Tire is half the dealer price. Default to "no" on every add-on in F&I; if you decide later you want one, you can buy it aftermarket within the factory-warranty window.

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