how do i buy gap insurance

: Use a tool like Kelley Blue Book to estimate your car's value versus your loan balance. If you owe 20% or more than the car is worth, gap insurance is highly recommended.

: Some comprehensive insurance plans already include "new car replacement" or similar coverage, making gap insurance unnecessary.

: You add it as an "endorsement" to your existing policy. It is often the cheapest route because you avoid interest and dealer markups.

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