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Insurance & Protection

For every road you take. Your journey deserves peace of mind.

Insurance and Protection

When you opt for a SAFE protection and insurance product, you're giving you and your family room to breathe. SAFE offers three plans to help you stress less and protect you in the event of a totaled vehicle, a major vehicle breakdown, or a loss of income.

We've also partnered with Apollo Insurance Services who compares up to 30 top-rated insurance companies to find the best coverage and competitive rates for your needs.

Protect yourself in the event your vehicle is totaled or stolen.

Guaranteed Asset Protection (GAP)1

GAP covers the “gap” between what your car is worth and your auto loan amount. For example:

Original amount borrowed:$18,000
Amount owed at time of loss:$15,000
Vehicle value after 1 year:$10,000
Primary insurance deductible:$500
Total you're responsible for (loan gap):$5,500
GAP coverage may help pay:$5,500
Total estimated out-of-pocket expense with GAP:$0

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Worry-free protection against unexpected repairs.

Mechanical Breakdown Insurance (MBI)2

After spending time and money finding the perfect vehicle, you can safeguard your purchase with a coverage plan designed to financially protect your vehicle from the failure of major mechanical components.

  • Three different coverage plans to fit your needs
  • Zero deductible for all plans
  • Fast, experienced, and professional claims administration
  • Coverage underwritten by "A"-rated (excellent) insurance companies
  • 24-hour roadside assistance
  • Car rental benefits
  • Tire coverage

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Protect your vehicle's equity.

TotalRestart Protection3


  • Helps replace total loss of your vehicle with a similar vehicle
  • Provides coverage beyond loan forgiveness
  • Protects down payment and hard-earned equity

The TotalRestart Protection benefit will be calculated as the difference between the covered vehicle purchase price at the TotalRestart contract effective date less the covered vehicle's actual cash value (ACV) 3, up to the maximum benefit amount selected.

Total loss must take place during membership term.

Vehicle purchase price:$24,499
MSRP or NADA clean retail:$25,200
Lesser of purchase price or NADA:$24,499
Primary settlement:$20,300
NADA value at time of loss:$20,800
Greater of primary settlement or NADA:$20,800
TotalRestart Benefit:$3,6993

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Protection that keeps you moving forward.

All Vehicle Deductible Reimbursement (AVPP)4

This plan helps you stay ahead of unexpected costs—from accidents to everyday repairs. You can get reimbursed for your insurance deductible up to $500 per loss, plus receive money back on eligible mechanical repairs. With added travel and identity protection benefits, you’re covered on the road and beyond.

  • Deductible protection – Get reimbursed up to $500 per covered claim, with unlimited claims each year.
  • 20% Mechanical Repair Reimbursement – Receive 20% back on eligible repair costs, up to $500 per repair.
  • Emergency Travel Assistance – Coverage for lodging and meals if your vehicle is disabled away from home.

AVPP helps you reduce out-of-pocket surprises, stay supported when the unexpected happens, and drive forward with greater confidence every day.

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All Vehicle Protection Plan AVPP

1 Purchase of Guaranteed Asset Protection (GAP) is optional and will not affect your application or the terms of any credit agreement. Certain eligibility requirements, conditions, and exclusions may apply.

2 Purchase of Mechanical Breakdown Insurance (MBI) is optional and will not affect your application or any credit agreement. Mileage limitations based on plan chosen, 30 day and 1,000 mile waiting period after purchase, and vehicle must be maintained according to manufacturer's specifications. Refer to the Route 66 Service Agreement for further details​​​.

3 Determined by the chosen Maximum Coverage Limit at time of contract. TotalRestart is optional and will not affect your application or any credit agreement.

4 Purchase of All Vehicle Protection Plan (AVPP) is optional and will not affect your application or any credit agreement. Benefits are subject to eligibility requirements, conditions, and exclusions, including maintaining active vehicle insurance. Deductible reimbursement applies only to covered losses paid by your primary insurance carrier AVPP is not insurance. Refer to the AVPP Agreement for further details.