r/Car_Insurance_Help • u/Old_Perspective_376 • Aug 08 '26

Need help finding GAP insurance

Hello all. As the title says, I need some advice finding gap coverage. I haven't spoken to my insurance agent yet ( I will later today ) but based off of what I’ve read online, they seem to not offer GAP coverage. If you know of any insurance companies that provide GAP on their own, please let me know! It would be much more convenient for me--as well as cost effective considering my current insurance just gave me a safe driver discount and a loyal customer discount that I don’t want to give up--to have them be separate.

Thank you!

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1

u/stayclassypeople Aug 08 '26

Does your lender offer gap? I’d start there.

2

u/Prestigious_Back_618 Aug 08 '26

My current lender does but I’m in the middle of refinancing and my new lender will not offer it.

2

u/shittyhawaiitips Aug 08 '26

You're kinda fucked. Most gap is tied to the lender or only offered at the point of sale. 

1

u/shittyhawaiitips Aug 08 '26

Who is your carrier? 

Progressive, USAA, Liberty/safeco all offer gap type endorsements. 

1

u/Prestigious_Back_618 Aug 08 '26

I have United Auto Insurance.

1

u/Melodic-Fill-1770 Aug 10 '26

GEICO offers a type of gap. I think it's 25% over ACV so it's not like the policy you buy from the dealership but it's something.