Trip CX9 said, "All leases are not created equal. It definitely pays to shop around at a few different dealers." Exactly. It depends on which bank, or maybe the manufacturer's finance division, the dealership uses, and how much the dealership will shave their kickback for getting the customer into an expensive finance deal.
GAP Insurance: Absolutely necessary if the down payment (or the equivalent for a lease) is low. We know the car depreciates greatly the day it's titled. Payments often are so low (and so long) that the equity in the car is less than the amount due on the loan or lease. That is the GAP---the difference between what the car's current value is and what you owe on the loan or lease. If somebody totals you, your car insurance only pays for the car's current value. You owe the difference between this and the loan/lease payoff. GAP insurance covers this difference. Usually the best deal for gap insurance is from your regular car insurer, and the worse deal is from the dealership--that pesky kickback to them for selling the customer overpriced...anything. Cancel the gap insurance when you've made enough payments to make the gap disappear.