This kind of coverage pays the difference between the amount you owe to your lender and the actual cash value of your car in the event of total loss or theft. Since it’s unavailable with 21st Century if you want this kind of coverage, you’ll need to switch to a provider who does offer this coverage, or invest in standalone coverage to supplement your current policy.
Standalone coverage may seem like less work, but buyer beware—this kind of coverage can cost up to $400-$700 annually when you purchase it from a dealership or third party lender. On the other hand, purchasing gap insurance as part of your auto policy from an insurance provider only costs about $20 to $40.