Then Disovery4us, you are willing to pay a lot of extra money on ALL of your insurance policies so in the unlikely event you have a total loss you make money on the deal. Right now I have a 10 year old DP motorhome that I owe more on than it's worth. If I lower my insurance to the payoff on the loan and then I have a total loss event, I will still be able to go out and buy a 10 year old equivalent DP and finance it and probably have a payment that is way less than half of my current payment. So I'm covered either way.
