Auto Protection

  • Protect your auto loan
  • Avoid large repair bills
  • Protect your credit rating

Fill in the gaps in your car insurance coverage.

Wear a seatbelt. Check your brakes. Keep your eyes on the road. Most of us know the basics of driver safety. But are you doing everything possible to protect your vehicle and the loan that helped you buy it? The truth is, traditional auto insurance has its limits. Check out several affordable products that may someday save you hundreds or thousands of dollars.

Guaranteed Asset Protection    

  • One-time cost of $550
  • Kicks in if your vehicle is stolen or damaged beyond repair
  • Covers the difference between your insurance settlement and the remaining balance on your auto loan
  • Ensures that you're not making additional payments on a vehicle you can no longer drive
  • Also available for campers, boats, motor homes and other vehicles at various rates
  • Auto Deductible Reimbursement (ADR) also available, for up to $500; this payment can help offset the deductible dollar amount on your auto insurance policy

Mechanical Breakdown Protection

  • Acts as a type of extended warranty on your vehicle
  • Can cover a wide range of repairs, including brakes, transmission, drive train, engine components, electrical system and more
  • Helps drivers avoid large repair bills
  • Get repairs done anywhere you want 
  • Includes added services such as roadside assistance, towing and rental car reimbursements

Debt Protection

  • Kicks in if you lose your job through death, disability or involuntary unemployment
  • Allows you to cancel the remainder of your auto loan - or suspend payments for a period - depending on the circumstances
  • Protects your credit rating, which can fall quickly when loan payments are missed

Collateral Protection Insurance

  • In Wyoming, all vehicles must be insured
  • If a borrower allows their coverage to lapse after obtaining a UniWyo auto loan, the credit union has the right to purchase a Collateral Debt Insurance policy for the vehicle to protect its financial investment
  • The cost of that policy will be passed along to the borrower in the form of higher monthly payments on the vehicle loan

UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming.

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