Can having gap insurance, the dealership's warranty, or LoJack on my cousin's new car save her money with car insurance?

My cousin is buying a new car through Carvana and the salesperson is recommending that she add on their warranty, theft protection, and gap insurance. They said that car insurance companies will provide discounts for having these on her vehicle. Is that true?

Answer provided by
Emily Maracle
Answered on Apr 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“While all of these can be helpful to have on a new car, your cousin may be able to find gap insurance and theft protection more cheaply through her car insurance carrier. Every carrier is different and doesn’t always provide the same discounts or coverages.
Before agreeing to the dealership’s coverages, your cousin should shop around. It may be helpful to also research her dealership’s warranty and read reviews.
She can comparison shop to find car insurance quotes online that meet her needs.
If she would rather leave the hard work of gathering quotes to someone else, she can use Jerry. This free app can collect quotes from up to 45 top insurance companies in seconds!

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