Gap insurance providers' terms and guidelines differ however in general Gap insurance is available on new, used and refinanced cars, trucks and SUV’s leased, purchased or refinanced within the past 12 months.

If you bought this car recently, though it is a 3 year old vehicle, you would normally be able to place Gap insurance on it if you are in a situation where you owe more than the car is worth (are upside-down on the loan). If however you purchased the car 3 years ago and now want to place Gap insurance on it than normally it would be hard to do so since most Gap insurance providers only give you 1 year to buy this insurance.

Some Gap insurance carriers may have limits on how old the car is, for instance some limit the car to being 8 years old but the mileage on the vehicle is not typically an issue for obtaining Gap insurance for a recently purchased vehicle.

One of our partners, Safeco, sells Auto Loan/Lease Coverage for some customers, with their auto policy. In addition, Esurance sells Loan/Lease GAP coverage. This type of GAP coverage would need to be purchased with Safeco after the fact because it is not currently displayed on our policy purchase page with them.

Our site does display this coverage option for Esurance, Progressive, Hartford, Travelers, Safeco, and Unitrin Direct in most states, along with Customized Parts Coverage.

Another way in which to obtain GAP insurance with us is through the GAP insurance provider listed on our Insurance Products page. With this insurance carrier it is not required that you have auto insurance with us in order to purchase GAP insurance for your motor vehicle.

If you want more information on GAP insurance providers for your state try contacting your state’s insurance regulatory body to see if they have a list.