Hi Hackrs, Recently I purchased a used vehicle with 0DAS, so looking to get Gap insurance. I thought it’d be a lot easier to purchase a standalone gap so I turned down the inflated gap offered by the dealership, but it turns out it’s a lot harder to get just the gap. It’s like trying to just buy …

Take the $$ you would spend in GAP and pay a principal payment on the loan- this will save intrest and bring down the likleyhood you would ever need gap coverage. You didn’t bring in neg equity, and it appears you shopped around to get a good price. The likleyhood of you needing it is pretty minimal…