Gieco ask for 10$ per month for GAP or onetime payment of 295$. For 2017 Toyota Corolla what is better. I plan to keep it for 5 years Atleast and this car is financed.
5 years loan
If the 10 bucks a month is over 60 months then you save over 50% by front loading it. However often in case of accident you don't get any refund on that money
I can't comment on the 295 as I have no idea what your loan term is. You should only need GAP while you have negative equity .