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Entirely depends on where you buy it. Car dealers charge absurd markup. Example: the dealership offered us at $850 for the fully loaded SEL (so MSRP about $4k less than limited) but we can get it from our credit union for $299. Your insurance may offer something similar for a few bucks a month, which you can then cancel when you don't need it anymore.
 

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I bought my Palisade and the dealer paid for GAP insurance as an incentive and the price reflected on my sales contract was $328. They reduced the sale price of the car and then added the GAP ins fee in. They needed to show this as a sale for accountability purposes.
 
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