Auto Insurance & Protection Services

If you’ve ever bought a vehicle from a dealership, then you know about the additional insurance and protection services offered with your vehicle purchase. But did you know TruService Community Federal Credit Union offers the same services, often for half the price? Before you buy, call us and ask about our Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), and Credit Life Insurance products. We can give you the peace of mind you deserve without the hassle and expense of going through the dealership.

Guaranteed Asset Protection (GAP)


When you buy a new or used vehicle, there’s no way to know if it will be stolen or totaled in an accident. And, many times primary auto insurance settlements don’t pay off your loan balance. With the purchase of GAP, you’re helping to protect your vehicle investment against a possible financial loss.


The GAP fee can be included with your monthly payments or made separately by cash, check, charge or possibly electronic funds transfer. If your car is stolen or totaled in an accident and there’s a difference between what you owe on your auto loan and the value of your vehicle, GAP will help cancel the difference based on the terms of your member agreement. By adding GAP while signing your loan paperwork, you’re helping take responsibility for your financial future. Your loan officer can show you how. You may cancel GAP at any time after your enrollment date. If you cancel within 90 days, you’ll receive a full refund. If you have questions, simply contact your credit union.


Vehicles often depreciate rapidly and vehicle loan terms have typically been increasing in duration. GAP will help cancel the difference between the primary insurance settlement and what you may still owe on your vehicle loan. In addition, if your vehicle is stolen or totaled in an accident, it will cancel $1,000 of your next loan with your credit union, when you purchase a replacement vehicle within 60 days of your primary insurance settlement. GAP helps you prepare for the unexpected.


To learn more about Guaranteed Asset Protection, click here to download a brochure.

Route 66 Mechanical Repair Coverage (MRC)

Even the most reliable vehicle can develop a mechanical problem. That is why so many people have come to depend upon Route 66 Warranty. Route 66 Warranty is the most comprehensive extended warranty coverage for all makes and models of automobiles so that you will be able to enjoy your new purchase and have “Peace of Mind”. No matter where you travel in the United States, you are protected against major mechanical expenses, and there is NO deductible!

Key Benefits

  • Route 66 Warranty has 25 years of experience
  • All warranties are FULLY insured
  • $0 deductible
  • 30 day free look
  • Nationwide coverage
  • 24/7/365 Emergency Road Service and rental car benefit
  • FULLY transferable

Depreciation Protection Warranty (DPW)


Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total loss.)


• Put money down or have equity in the vehicle

• Make accelerated loan payments

• Desire protection from vehicle depreciation

• Desire peace of mind knowing the money invested in a vehicle could be protected


• Benefit triggered by collision or comprehensive total loss, including theft

• Life of loan protection

• No mileage, make or year restrictions

• Open enrollment

• 100% refundable for first 60-days

• Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding loan balance if you die in an accident

To learn more about Depreciation Protection, click here to download a brochure.

Member’s Choice Credit Disability and Credit Life Insurance


It’s a way to help protect your loan. There’s no way to predict an injury, illness or an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected were to happen to you. Credit Disability and Credit Life Insurance may help to make your loan payment to make life easier for you and your loved ones.*


The premium may be included with your monthly payment. If you have a balance on your loan and are totally disabled due to a covered injury or illness or in the event of your unexpected death, Credit Disability and Credit Life Insurance may help cover your loan payment.*

By taking a few simple steps while signing your loan paperwork, you’re helping take responsibility for your family’s financial future.

You can cancel coverage at any time if you change your mind. If coverage is canceled within the first 30 days you will receive a full refund if the premium has been paid. Coverage is immediate for eligible borrowers.


Credit Disability and Credit Life Insurance work in two different ways. You and your family may not have to make loan payments if you’re totally disabled due to a covered injury or illness. It may help pay your loan until you’re no longer totally disabled, or in the event of your unexpected death, it may help pay off the loan.* Savings, salary, or payoffs from other insurance may be used for other important things, giving your family financial freedom when they need it most.

* Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.

To learn more about Credit Disability and Credit Life Insurance, click here to download a brochure.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Disability and Credit Life Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. Vermont: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs.

CDCL-1113-3D70 © 2014 CUNA Mutual Group, All Rights Reserved. OMS#: IM3204

TruStage Insurance

TruService is proud to partner with TruStage, an insurance agency that provides you with competitive rates, helpful guidance without sales pressure, and quality products. Some of the benefits offered to TruService members are auto, home, life, property, and accidental death & dismemberment insurance. If you’re happy with your current insurance provider, TruStage can help you get a discounted rate just for being a member of TruService Credit Union.