Auto Buying Help - InTouch Credit Union
Skip to main content

Auto Buying Help

GAP with ADR

Guaranteed Asset Protection, also known as GAP, covers the gap between the unpaid loan balance of your vehicle, recreational sports vehicle, boat, motorcycle, or motor home, and the settlement amount your insurance company would pay in the event it is totaled in an accident, non-recovered after theft or some other insurable event. Most insurance policies only cover the current vehicle value. As value can decline sharply during the first few years of ownership, your loan balance could easily end up being greater than the then-current value of your vehicle. That’s where GAP kicks in and protects you from a potentially substantial loss.

An additional benefit of ITCU GAP coverage is Auto Deductible Reimbursement (ADR). ADR is a unique feature that not all other GAP polices sold in the marketplace include. With ITCU GAP, any passenger vehicle insured by the enrolled member will be eligible for reimbursement of the applicable insurance deductible, up to $500 per loss, up to twice per year, on any passenger auto they own and insure, even if the auto doesn't have GAP coverage! ADR is conveniently included, at no additional cost, as a part of the incredible value your ITCU GAP coverage provides.

Get a quote or learn about the benefits of GAP w/ ADR
.

Mechanical Breakdown Protection (MBP)

It’s a fact that as vehicles get older, the risk and cost of repairs increase, and with all of the electronics and driver safety features now included in new autos, who can afford an unexpected, and potentially a very expensive repair bill?

To protect against that happening, consider Mechanical Breakdown Protection (MBP) offered by InTouch Credit Union; it provides coverage when you need it most, and besides, who wants to sink hundreds or thousands of dollars in a repair job? Most vehicles can be covered at a very competitive cost, and you'll be able to choose from multiple coverage options with one that is sure to fit your needs. Coverage includes the cost of parts and labor, minus your chosen deductible of $0, $50, $100 or $250.

(Due to recent state legislative changes, we are not able to issue MBP to our members who currently reside in California. Please check back or contact us for updates. Thank you.)

Get a quote or learn about the benefits of MBP.

Auto Insurance

InTouch Credit Union is proud to partner with Travelers Insurance to provide auto, home/renters, and other insurance products to members at a discounted rate. You may call 800-842-5936 and speak to a Travelers' representative who will be happy to answer any questions you may have, or click here to learn more or to get a quote.

Get Started with Travelers

In addition, InTouch Credit Union is proud to offer TruStage® Insurance, bringing more than 80 years of dependable credit union member insurance. For more information, click here to get started and read up on the other features TruStage provides.

Get Started with TruStage

FuelEconomy.gov

Find and compare different vehicle’s MPG on this official U.S. government website. The site also offers more information about hybrid vehicles, gas mileage tips and a tool to track your current car’s fuel economy.

Visit fueleconomy.gov to learn more.

For more car buying tips, click here


Preferred Auto Dealers (MI, NV, & TX)
(Leasing Available where Indicated)


At InTouch Credit Union, we work to make your new or used-car buying experience as smooth as possible. You have options when you want to finance your dream ride with ITCU. Complete an ITCU auto loan preapproval online, in a branch, or by phone at 800-337-3328.

On the other hand, if you’d rather head straight to the dealership and complete all your paperwork there, we have relationships with the dealerships listed below that can get you driving off into the sunset directly from their office.

Before you go, don’t forget to review the tips in our Auto Buying Help database, calculate what you can afford with one of our Loan Calculators and of course, check out our competitive Loan Rates.

Check out our preferred auto dealers in your state:

Additional Available Services

With every new account, the value of membership keeps growing – better rates, better products, better value for all.

Become a Member

Signature and secured personal loans are available from InTouch Credit Union. Check out our latest competitive rates and apply today!

Personal Loan Details

One of the most common loans for home improvements, debt consolidation and other large expenses is the home equity loan.

HELOC vs. Home Equity

Connect With Us