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Do I have to get gap insurance through my current car insurance provider or lender?

Do I have to go through my current lender or insurance company, or can I purchase gap insurance elsewhere? I was thinking about getting gap insurance, but I wasn't sure if I should get it through my car dealer, car insurance, or lender.

Eric Schad · Updated on Jul 21, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“You’re welcome to purchase

anywhere you want.

Lenders and dealers tend to offer it as one lump sum payment that’s added to your car loan balance. Car insurance companies usually tack on a monthly payment to your premium.

However, you’re free to shop for gap insurance through other providers. There’s no guarantee that it will be cheaper, but it’s worth shopping around on sites like

to see if you can find a better deal.”

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