having worked at a captive auto lender before, every single financial product add-on is a rip-off. The only exception is brand maintenance on leases (you have to do maintenance anyway, might as well pay upfront and get a bump to your Residual Value, it pays for itself). Don't buy any anti-theft shit, any GAP insurance, any service contracts (CARS COME WITH A WARRANTY FOR FREE), etc.
having worked at a captive auto lender before, every single financial product add-on is a rip-off. The only exception is brand maintenance on leases (you have to do maintenance anyway, might as well pay upfront and get a bump to your Residual Value, it pays for itself). Don't buy any anti-theft shit, any GAP insurance, any service contracts (CARS COME WITH A WARRANTY FOR FREE), etc.
I did end up getting GAP on my new motorcycle, but I did that through my bank.