What is GAP Insurance, and Do You Actually Need It? A straightforward breakdown from the team at Mark Miller Subaru. If you’ve financed or leased a car recently, or you’re about to, you’ve probably heard someone bring up GAP insurance. Maybe it came up in the finance office, or you saw it listed as an add-on and thought, “Do I really need this?”, which is a fair question. It can feel like just another thing being added to your deal, but in reality, GAP insurance is one of the few add-ons that can actually protect you financially, depending on your situation. At Mark Miller Subaru, we’d rather you understand exactly what you’re buying than just say yes to something on the spot. So here’s a straightforward breakdown of what GAP insurance is, how it works, and whether it actually makes sense for you. So, What is GAP Insurance? GAP stands for Guaranteed Asset Protection. All it really does is cover the difference between what your car is worth and what you still owe on it if it’s totaled. That “gap” exists because cars lose value quickly, especially in the first year, while your loan balance doesn’t drop nearly as fast. A Real-World Example Let’s say you buy a new Subaru Crosstrek for $32,000. Six months later, something happens and the car is declared a total loss. Your insurance company pays out the current value, which would maybe be around $27,500. But your loan balance is still around $30,800. That leaves you with a $3,300 difference on a car you don’t even have anymore. That’s exactly what GAP insurance covers. What GAP Covers (and What It Doesn’t) GAP insurance is pretty specific. It’s not a catch-all, it only kicks in for total loss situations. ✓ What It Does Cover The difference between your loan balance and the car’s value Works alongside your regular auto insurance Applies to both financed and leased vehicles ✗ What It Doesn’t Cover Late payments or penalties Interest or finance charges Warranties or add-ons rolled into your loan Repairs (even expensive ones) Your insurance deductible (in most cases) It’s not meant to cover everything, just that one scenario where people tend to get burned financially. Do You Actually Need GAP Insurance? Not everyone does. But in certain situations, it’s absolutely worth having. You’ll Want to Seriously Consider It If: You put less than 20% down Your loan is 60+ months (especially 72 or 84) You’re leasing You rolled negative equity into your new loan You Might Not Need It If: You put a solid amount down (20%+) You chose a shorter loan term You’re close to paying the car off If you’re unsure, the simplest way to look at it is this: If your loan balance is higher than the car’s value, GAP is doing something useful for you. How We Handle This at Mark Miller Subaru We don’t believe in pushing products just to push them. If GAP insurance makes sense for your loan, we’ll explain why. If it doesn’t, we’ll tell you that too. That’s the same approach we take with everything, from our Promise Price to how we walk through financing. No games, no pressure, just clear information so you can make the right call for yourself. Bottom Line GAP insurance isn’t something everyone needs, but when it matters, it really matters. If there’s a chance you could be upside down on your loan, it’s worth considering. If not, you can skip it confidently. The goal is simple: you understand exactly what you’re signing up for before you drive off. View Inventory Contact Us

How Jeff Miller’s One-Price Promise Sets South Towne Subaru Apart At Mark Miller Subaru South Towne, we believe that buying a car should be as transparent and stress-free as possible. Our CEO, Jeff Miller, has been leading the way with a philosophy that’s now making waves across the automotive industry: one-price selling. Featured recently in Dealership Guy’s article, Jeff shared our three strict rules for making this model a success. What is One-Price Selling? One-price selling means that the price you see is the price you pay. No haggling, no hidden fees, and no uncomfortable negotiations. At South Towne Subaru, this approach is known as our Promise Price, and it’s built around trust, transparency, and respect for our customers’ time. Jeff Miller’s Three Rules for One-Price Success In his recent feature, Jeff Miller highlighted the three pillars that make our Promise Price model work: Discipline: Every member of our team is trained to honor the one-price model, ensuring consistency across all interactions. Accountability: Managers and sales professionals are held to the highest standards to deliver a fair and transparent experience. Culture: Building a dealership culture where honesty and trust aren’t just talking points—they’re how we do business every day. Why It Matters for South Towne Drivers For our customers in Sandy, Draper, Riverton, Herriman, South Jordan, West Jordan, Bluffdale, Cottonwood Heights, Daybreak, and Midvale, this means peace of mind. When you shop at Mark Miller Subaru South Towne, you don’t waste hours negotiating. Instead, you get a fair price upfront—saving time and building trust in the process. Jeff Miller’s Leadership As CEO, Jeff Miller has championed this approach not only at our Mark Miller Subaru South Towne store but also at Mark Miller Subaru Midtown. His leadership ensures that every customer interaction reflects our core values: Love Promise, transparency, and community commitment. That’s why Subaru buyers across the Salt Lake Valley know that Mark Miller Subaru South Towne is the place where the price you see is the price you pay. Experience Promise Price at South Towne Subaru If you’re shopping for a new Subaru in Draper, Sandy, or anywhere in the south valley, you deserve a dealership that respects your time and values your trust. Come experience Mark Miller Subaru's one-price Promise firsthand at Mark Miller Subaru South Towne. Shop Subaru Models with Promise Price in South Towne

Hero (cropped to remove black edges) Intro The All-New 2025 Subaru Forester Hybrid Now Available at Mark Miller Subaru South Towne • Sandy, UT Shop Now Button Shop Now Efficiency + Performance Efficient, Capable Hybrid Powertrain The 2025 Forester Hybrid delivers up to 40% better city fuel economy than conventional Forester models, with a driving range of up to 581 miles on a single tank. It seamlessly balances electric motor efficiency with the proven SUBARU BOXER® engine, so you never worry about charging. Standard Symmetrical All-Wheel Drive optimizes traction on wet, snowy, or rugged Utah roads, giving it an edge over Honda CR-V Hybrid and Ford Escape Hybrid competitors. Safety Safety and Value for All Standard EyeSight® Driver Assist Technology acts like a second set of eyes, with Automatic Emergency Steering, Adaptive Cruise Control with Lane Centering, and Pre-Collision Braking. With high-strength crash protection, eight airbags, and a reinforced frame, the Forester Hybrid is built to earn top safety ratings and protect your family on every Utah drive. Awareness + Tech Advanced Awareness & Connected Tech Available features like a 360-degree Surround View Monitor, Blind-Spot Detection, and Reverse Automatic Braking keep you confident in Sandy traffic and tight South Towne parking lots. Every Forester Hybrid includes MySubaru® Connected Services with Remote Engine Start and SOS Emergency Assistance. Touring trim adds DriverFocus® Distraction Mitigation for extra peace of mind. Interior Spacious Comfort & Versatile Design Inside, the 2025 Forester Hybrid offers up to 106.6 cubic feet of passenger space — more than RAV4 Hybrid, CR-V Hybrid, and Escape Hybrid. Standard digital displays show hybrid system info with seamless Apple CarPlay® integration. Available animal-free interiors and premium finishes create a modern, eco-friendly cabin. Reliability Smart Value, Proven Subaru Reliability Backed by Subaru’s reputation for longevity — 96% of vehicles sold in the last 10 years are still on the road today — the Forester Hybrid is built for the long haul. Subaru was named 2025 Best Automotive Brand and Most Reliable Brand by Consumer Reports, reinforcing the value of every Subaru you drive. Trims & Pricing (starting at) 2025 Forester Hybrid Trims & Pricing Choose the Forester Hybrid that fits your lifestyle. Each trim combines hybrid efficiency with Subaru capability. Premium Starting at $36,595 Symmetrical All-Wheel Drive EyeSight® Driver Assist Technology Apple CarPlay® & Android Auto™ Sport Starting at $39,595 Exclusive Sport Design Elements Enhanced STARLINK® Multimedia Available Power Rear Gate Limited Starting at $41,010 Leather-Trimmed Upholstery Panoramic Power Moonroof Power Rear Gate Touring Starting at $43,295 DriverFocus® Distraction Mitigation 360° Surround View Monitor Exclusive Touring Interior & Exterior Accents Local SEO Section Mark Miller Subaru South Towne — Your Hybrid Destination Serving Sandy, Draper, Riverton, Herriman, Bluffdale, South Jordan, West Jordan, Midvale, and Daybreak, Mark Miller Subaru South Towne is your destination for the new 2025 Subaru Forester Hybrid. Whether you’re commuting on I-15, exploring Utah’s canyons, or running errands in Sandy, the Forester Hybrid delivers efficiency, AWD capability, and safety for your life in the south valley. Learn More