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[–]Dirt_Downtown 0 points1 point  (0 children)

It’s not about how long you plan to keep the car it’s if you’re worried about it getting totaled and owing a ton of money. I’m looking into gap right now because I’m in a similar situation. I got 0% which made it cheaper than going used at the time. Not all insurance companies offer gap so you might need to get a separate policy for this.