Protect Your Auto Purchase

Make the most of your investment by protecting your vehicle (and wallet) in case the unexpected occurs.

Extended Warranty and GAP Coverage

A new vehicle is a major purchase, one that you likely use nearly every day. On the road, accidents can happen, and over time wear and tear is inevitable. Extended warranties and GAP coverage can protect your investment by saving you money in the long run.

Extended Warranty

An extended warranty provides additional protection on your vehicle once the manufacturer’s warranty expires. With an extended warranty, you’ll have long-term coverage on your vehicle to make unexpected mechanical or electrical repairs more affordable. With Citadel’s Extended Warranty, we give you peace of mind with 24-hour emergency roadside assistance, including rental car assistance. If you sell your car, the coverage is transferable to the buyer, making your car a more attractive sale.

Choose between several coverage packages*:

Coverage Packages
Model Years
Mileage Limits
First Street (Drivetrain Coverage) No Model Year Limit No Mileage Limit 36 month/36,000. Does NOT qualify for Main or Easy Street Coverages. $5,000 Limit
Main Street (Deluxe Coverage) 2008 & Newer Model Vehicles 0 - 140,000 miles 36 month/36,000. Covers all items covered by First Street plus additional coverage.
BEST VALUE - Easy Street (Factory Type Coverage) 2012 & Newer Model Vehicles 0 - 85,000 miles Various years and mileage combinations. Includes all items under the manufacturer's original coverage.**

*For more details on all of these packages, please view the 2018 Extended Warranty Quick Reference Guide. Pricing will depend on your specific vehicle.

**Items not covered: Any normal maintenance item includes tires, wheels, struts, shocks, brake shoes or pads, rotors or drums, belts, hoses, filters, fluids, lubricants, clutch, pressure plate or clutch release bearing, tune-up items. Exhaust or emission parts, sound reproduction components, collision avoidance, lane departure warning system and safety restraint system, lighting, wiring harness, telephone, clock, television, navigation equipment. Any body parts, interior parts, trim, glass, paint, air bag systems, keyless entry/anti-theft.

Get pricing on Citadel’s Extended Warranty for your vehicle.

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Guaranteed Asset Protection (GAP) Coverage

Citadel offers affordable GAP coverage at a cost of $399 so you can rest easy knowing you’re covered if the unthinkable happens.

In the unfortunate event that your car is totaled or stolen, insurance policies typically only cover the replacement value, or “cash value” of the vehicle. Having coverage is great, but your balance on the auto loan could be more than the car’s current value, leaving you to pay off the loan on a destroyed or lost car.

GAP coverage pays all or part of the difference between what your insurance agency will pay and what you owe on your car – the “gap.” There is often a maximum loan to value ratio, which is usually the amount you financed compared to the value of your vehicle at the time of your loan.

GAP coverage purchased after the vehicle has been financed would be effective the date of coverage purchase, using the loan term and loan amount valid as of that date.

Citadel’s GAP Coverage:

  • Is available for all drivers, with a Citadel loan for a new or used vehicle
  • Waives all or part of the “gap” between what your insurance company will pay and what you owe
  • Enhances your current insurance policy with additional coverage

Purchase GAP Coverage Now for $399!

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