[jimhelm]

this is a 'decreasing value menu'

this is what you may be presented with in finance. these items are negotiable, and available individually. as you can see, the same items appear in some of the packages. each bold type title is an individual policy. very rare that someone goes with the platinum, because not every policy is appropriate for different situations.

if you're financing more than 85% of the vehicle's value for more than 3 years, GAP is probably a good idea. I believe in service contracts if the price is right, and offered by the manufacturer. Also, the Road Hazard, if the car you're getting has big tires and wheels.

1. price of policy (this is usually not shown until the final selection is made)

2. the payment impact

3. total car payment with the selected package included

4. the payment with no additions. (the salesman may have given you a number higher than this, but that number should be the truth)