YOU DON'T NEED GAP INSURANCE ON YOUR CAR: Find out WHY - Auto Expert: The Homework Guy, Kevin Hunter

CAR LOANS... WITH GAP INSURANCE... That's a COMBO that tells you that you're really screwing up, you're getting hosed by a Car Dealership. The hosing comes first, then you NEED Gap Insurance. No hosing, No GAP Insurance. Pretty Simple.
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The Homework Guy Team publishes videos to help Car Buyers. We don’t hate Car Dealerships. Instead, we represent Car Buyers, a goal that’s often in direct conflict with Car Dealer goals.
A CAR DEALER WANTS TO:
1. SELL every car for the Highest Possible Price.
2. CONVINCE Car Buyers to use Dealer affiliated Lenders / Banks.
3. LOAD every Car Deal full of Fees and Finance Products.
4. OFFER Lowball numbers on every Trade Vehicle.

THE HOMEWORK GUY TEAM (THG) HELPS CAR BUYERS TO:
1. BUY a Car from Dealers or Private Party Sellers at the Lowest Price.
2. PAY Cash or Finance with their own Bank or Credit Union.
3. DECLINE Dealer Fees and Finance Products.
4. TRADE / SELL their current vehicle for the Best Value.

THG didn’t give Car Dealers their Bad Reputation. For more than 40 years, dealerships have EARNED it by being the masters of predatory selling. They stalk victims relentlessly, often ruthlessly treating the most vulnerable car buyers (like seniors, for example) with little or no conscience. Car Dealers and their Finance Officers have no problem creating financial devastation for their customers with over bloated car loans, and often do. While the business has had record setting profits, Dealers never stop telling Car Buyers “We’re losing money!” That’s the bed Car Dealers custom built for themselves. We point out the traps and the flaws of the process, and help car buyers get by all the nonsense without being ripped off. We promote fairness, honesty, and transparency, and we’d love to see a few dealers join our mission!

The Homework Guy Team provides car buying consumers with information, automotive news and updates, industry outlook, buying and selling advice, and other help to level the tables. The public face of THG is Kevin Hunter and the master negotiator, Elizabeth. Tons of time and research goes into every show, planning for weeks, several projects always on the table, all with the goal of getting it exactly right. From Automotive News Updates to vehicle shopping advice and assistance, The Homework Guy Team is the best there is.

THG CATEGORIES: cars, truck, van, suv, auto, new cars, used cars, autos, mechanics, automobile, vehicle, dealer, automotive news, auto shop, service plans, extended warranty.
LEADING CAR BRANDS (MANUFACTURERS) WE COVER IN THE US: Ford, Toyota, Chevrolet, Honda, Nissan, Jeep, Ram, Dodge, Hyundai, Subaru, Kia, GMC, Mercedes-Benz, Volkswagen, Tesla, BMW.

How can The Homework Guy Videos help Car Buyers?
1. What you need to know before buying a car.
2. Information you need when buying a car at a dealership.
3. Benefits of Buying a Car from a Dealership or Private Party.
4. How to Buy and Sell Cars
5. Learn the process of buying a car from start to finish
6. Questions to ask at a Dealership
7. Car buying tips and tricks from the experts
8. How to Buy a Car with Cash
9. How to Pay for a Car with Cash.
10. Using Carmax, Edmunds, TrueCar, Autolist, or Kelley Blue Book.
11. Buying a Car out of state.
12. Taking Control of the Car Buying Process.
13. What to do if Scammed.
14. Illegal things Car Dealers can do.
15. Understanding Dealer Financing Tricks
16. How to Avoid Dealer Scams.
17. Reactions to Sales Training by Car Trainers.

Will The Homework Guy Team become the #MrBeast of the Auto Industry? Time will tell! We’ve seen amazing growth, and over 327,000 Subscribers and counting. Meanwhile, if you prefer to fix your current car, check out channels like Chris Fix or Scotty Kilmer! If you wonder where we get such brilliant financial ideas, watch the Dave Ramsey Show! But, if you just need to get lucky and be handed a wad of cash, well... see Mr Beast!

[cjn]

Hey #homeworkguy. A good way to reduce stress during the buying process is to ask the salesperson / closer / finance manager to leave the room for 15 to 20 minutes while you review the contract. But beware, they are always listening. Pick up their desk phone and hang it up again or unplug it completely. You will be amazed how fast somebody comes back into the office to see what the " technical" problem is. And I always snap a picture of whatever documents I'm looking at to make sure the numbers don't change later. Thank you for all you do. I learn more every time I watch another one of your videos. Have a great

[robertharder]

If you need gap insurance, you're paying too much for the car

[cjn]

One more thing. Take a picture of the VIN number of the vehicle that you test drive. They may have an identical vehicle that's been in the inventory longer and that's the one you will end up with in the final documents. That bait and switch actually happened to me while I was purchasing a car for my son in Portland Oregon. They denied the switch until I showed them the picture of the VIN number that we actually drove during the test drive. We walked.

[KH-lefx]

Thanks Kevin. Enjoy the videos. Well done with a lot of info.

[firearmsstudent]

You are awesome! Keep pumpibg out these videos!

[jonathannorup]

Thanks for the advice!!! Looking seriously for a new car soon

[annkoehler]

Thank you #TheHomeworkGuy, for another no-nonsense video. No frills, no build-up, no hyperbole (Mr. Benjamin Dover), just plain facts!

[Donmecca]

I love these videos. I wished I would’ve known about these videos a few years ago. But when I go buy another one, I’m going in like a pro thx to you.

[suehofkamp]

Kevin Hunter Thank you so much! I am learning from the wisdom you are sharing. God Bless You!

[oSTYNCLSYo]

So if you finance a car for 17k and it's worth 10k, yes gap insurance is a must. My gap from a dealership was an extra 2 bucks a month. So yes get gap.

[smuckleschmuckler]

Ahhh I understand now. There was a guy at work that sung many praises about his gap insurance due to a wreck he was in, and i took that as actually being a thing to consider if I ever bought a new car at a dealership. I've known car dealerships can be a bit scummy, but watching your videos has helped me understand exactly what to look out for. Will definitely refer back to this channel if or when I get to the point of buying a new car. Also, I now understand that the guy at work got hosed on his truck deal lol. Thank you for the video

[philliberatore]

Great advice. I've known people who financed negative equity TWICE, and couldn't figure out why they never had any money.

[WrHwkXX]

lol im so happy i found this channel, next year im going to be so ready to buy a new car.

[JaymesBG]

Triple thumbs up! Your channel is amazing! Thank you!

[lavernedjoseph]

I'm definitely sharing your videos 🎉🎉🎉❤❤❤😊😊😊

[mikej.]

#Thehomeworkguy Your videos are awesome and I tell all my friends and family about you. Best car buying advise on the planet hands down

[MotardHard]

Commenting for YT algorithm. More people need to see your videos.

[proofboy]

Thanks! I will be making a purchase of a new Ram or GMC truck in the near future. I have learned so much from watching your channel. I never purchased a new vehicle unless I negotiated 20% off sticker, but I didn't know all the add on products I was being pushed to purchase. Many I didn't fall for but many I did. I'm learning so much watching you. Thank-you for sharing your teams knowledge with us.

[donaldrippetoe]

I really appreciate the content of the channel! I learn something new with each video!

[repairman]

In 31 years I bought three cars. I always kept my cars well maintained and bought all base models. My current car is a 2012 Honda Fit with 131, 000 miles. My second car was 2000 Honda Accord and had it fully paid in 13 months. Never bought a GAP insurance since I always put over 20 percent down payment. You insights are very informative. Thank you Sir.