i seriously believe you have severe schizophrenia, because one minute you make a completely normal well thought out post, and then the next minute you make a completely idiotic post... notice how the very first words i typed were "check with your navy fed", i just answered his question in general since i don't know anything about navy fed specificially, sometimes you need it, sometimes you don't

and your showing your ass again, i financed my car for $9,999 and didn't need full coverage because it was below the $10,000 cap, even though i didn't own it outright, so your 100% incorrect there, the amount financed can matter depending on who your lender is, they all have different policies