My car payment is paid thru the plan (Chap 13). I am shopping for new insurance since I moved to a different state. I am finding a few companies are offering "Gap Insurance" to cover the difference of what I owe on the loan and cash value of the car if in an accident. Do I really need...

What else have "lie-nance managers" at used auto dealers tried to slip into your contract? I was surprised because this dealer was very reputable and also rated A plus by their local BBB. What other common tactics does one need to be aware of when auto shopping?

I am looking at buying a used 2008 HHR with 27000 miles @ 12998. They dealer is wanting to sell me GAP insurance and extended warranty. (The vehicle already has the GM 5 year/100,000 mile warranty). The finance manager says the GAP is $180 for the 60 month loan term and the warranty is $1240 for...