Gap insurance is designed to work with
coverage, not as a substitute. Basically, gap insurance will kick in if you total your vehicle and the amount you paid out by your insurance company isn't enough to cover the value of the loan. Most of the time, your loan or lease company will require you to have gap insurance to protect their investment. If you're loaning or leasing a vehicle, I recommend this coverage. If you can, see if your current car insurance company provides it and get an estimate. You can compare which is cheaper to the desired insurance from. Best of luck.