: If you financed through a credit union or bank, they may offer gap insurance directly for your loan.
: Brokers like Excalibur Insurance (1.4.7) or BrokerLink (1.4.1) can help you find standalone gap products or "Optiom Prime" policies that cover both new and used vehicles.
: You can generally buy coverage at any time as long as you are "upside down" on your loan (owing more than the car is worth). Buying Guide: Step-by-Step How to Cancel GAP Insurance - BrokerLink