### Common Add-On Mistakes

Several errors lead to poor add-on coverage decisions and wasted premium dollars.

Over-Insurance occurs when drivers purchase multiple overlapping coverages providing similar protection. Having AAA membership, credit card roadside assistance, and insurance company roadside coverage creates expensive redundancy. Under-Insurance in critical areas while over-insuring in others reflects poor risk prioritization. Declining gap coverage while purchasing expensive OEM parts coverage represents misplaced priorities for most drivers. Dealer Finance Office Pressure often results in expensive add-on purchases that could be obtained more cheaply elsewhere. Dealer gap insurance costing $600 might be available from your insurer for $100 over the loan term. Failure to Reassess means continuing add-on coverages after circumstances change. Gap coverage becomes unnecessary once loan balances drop below vehicle values, but many drivers continue paying for unneeded protection.