Energy Capital Credit Union

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Auto Buying Essentials

Auto Insurance

At Energy Capital, we care about the safety and financial well-being of our members. Proof of full coverage auto insurance is required on all auto loans.

GAP Coverage

If your vehicle is stolen, accidentally damaged beyond repair or otherwise declared an insured total loss, most standard auto policies only cover the actual cash value of your vehicle, less your deductible. Unfortunately, you remain financially liable for any shortfall between the net insurance settlement and what you owe on your loan. You could owe thousands of dollars on a vehicle that you no longer have. GAP protection releases you from the burden of paying off a loan on a vehicle you no longer have. In addition, it protects your personal credit rating as well as provides peace of mind for very little investment.

Extended Warranty

Protection from the unexpected. Your vehicle is not only an investment; it's your transportation lifeline. With our protection plan, you have the peace of mind knowing your investment is protected. Coverage also includes roadside assistance, rental vehicle assistance, tire road hazard and trip interruption.

Debt Protection

Help protect your loan. Take steps to protect you and your family in case something unforeseen happens. You're betting you can pay back your loan and you won't lose your job (through no fault of your own), or become disabled (due to injury or illness), or need to take family leave, or pass away - which could leave your family responsible for your loan balance. Debt Protection is a voluntary loan-payment protection product designed to help you get relief from loan payments if a protected life event unexpectedly happens to you.

Vehicle Multi Shield Protection

This coverage protects you from tire blowouts, nails, glass, potholes and any other normal road hazard. Coverage includes tire repair or replacement, wheel repair or replacement and also covers additional fees associated such as mounting, balancing, labor and sales tax. With this protection, you are also automatically covered for Windshield Repair, Dent & Door Ding Repairs and 24/7 Emergency Roadside Assistance. Vehicle Multi Shield Protection will give you the peace of mind knowing that your vehicle is covered should you encounter an everyday road hazard.