“Typically, the only other option for gap insurance
would be going through your lender. If they don’t offer it, you should try to reach back out to the dealership. They may be able to add gap insurance even after you initially declined it.
If you can afford to pay the $2,000 that you owe on your loan if your car is totaled, then you don’t need to worry about adding gap insurance. However, if you believe that a totaled car would cause you financial hardship, you should consider switching car insurance companies.
and LIberty Mutual
are two larger carriers that offer gap insurance. It never hurts to shop around and see what your options are. You may be able to find more affordable coverage than what you have now. “