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Vehicle Protection & Insurance

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.


 

Guaranteed Auto Protection (GAP)1

Protect yourself in the event your vehicle is totaled or stolen

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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Mechanical Breakdown Insurance (MBI)2

Worry-free protection against unexpected repairs

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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TotalRestart Protection3

Protect your vehicle's equity

TotalRestart Protection

  • 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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Apollo Insurance Services for Vehicles

Our trusted partner, Apollo Insurance Services, is available to review your current policy and make recommendations tailored for your individual needs. They offer one-stop comparison shopping with the nation's top-rated insurance companies.

Auto Insurance
Whether it's your daily commute or a family trek across the country, before you buckle your seat belt make sure you're protected with the right insurance.

Motorcycle Insurance
No matter what you own—a sports bike, cruiser, standard, touring, or a custom ride—you can turn to our valued partner, Apollo Insurance Services for great rates and coverage.

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woman driving a car

 

four wheeled vehicle

Apollo Insurance Services for Specialty Vehicles

Whether you drive it or tow it, Apollo can find coverage for it. Let them shop the markets so you can compare and decide which policy fits your needs. And if you already have a policy in effect, you can still request a comparative quote. No cost. No obligation.

Motor Home Insurance
You can roam the roads at your leisure or sit down for a day, month or even years. No matter how you’re using your home on wheels, be sure you’re covered for any loss to your equipment and its contents.

Recreational Vehicle Insurance
On the road or off, the last thing you want to worry about is whether you have the right insurance policy for damage, theft, and accidents. You and your family can have fun riding your snowmobiles, dirt bikes, ATVs, Segways, and golf carts knowing you’re protected.

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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.

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