--- title: What You Should Know About GAP Insurance for Your Car or Business description: Is GAP insurance right for you? Tips on when GAP insurance may be the right choice. Serving Reading PA, Philadelphia, Allentown, Lancaster & beyond. image: https://www.aigltd.com/hs-fs/file-38247994-jpg/images/gap-car-insurance-tips-reading-pa-philadelphia-allentown-lancaster.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## What You Should Know About GAP Insurance for Your Car or Business Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Tue, May 14, 2013 - [Tweet](https://twitter.com/share) GAP insurance refers both to Guaranteed Asset Protection and Guaranteed Auto Protection. In both cases it is designed to cover the difference (or gap) between the actual cash value of an asset and the amount still owed on the related loan or lease.  While, strictly speaking, GAP insurance may apply to any type of asset, the vast majority of GAP insurance policies are written for cars, trucks, vans, and other types of vehicles. ## **Why Bother With GAP Insurance?** ![GAP insurance advice as supplemental car or business insurance for Reading PA, Philadelphia, Lancaster, York, Harrisburg, Allentown, Pennsylvania and beyond.](https://www.aigltd.com/hs-fs/file-38247994-jpg/images/gap-car-insurance-tips-reading-pa-philadelphia-allentown-lancaster.jpg)GAP insurance may be a wise choice in cases where a low down payment has been made, and on high-interest loans of 60 months or more. It is often offered by finance companies at time of purchase, and by auto insurance companies.  This loan scenario frequently applies to vehicle purchases, which is why the term “GAP insurance” most often refers to added insurance protection for a vehicle. ### **GAP Insurance Considerations When Buying a New Car or Other Vehicle** Cars, trucks, motorcycles and other vehicles are assets that depreciate rapidly in value. In cases where a low down payment is made on the initial purchase, it is common for the amount remaining on the loan to exceed the fair value of the car.  This is because cars often lose up to half their retail within 3 years from the purchase date, at which time the remaining loan may far exceed that amount. If your car becomes stolen or is totaled, the replacement value you receive from the insurance company may be far less than the amount remaining on the loan. In such cases a GAP insurance policy would cover the difference. If you would be unable to cover the difference without GAP insurance in such cases, or if this would represent a significant financial hardship, then GAP insurance may be right for you. ### **How to Get GAP Insurance for Your Vehicle** GAP insurance may be purchased from an insurance agent or through a car dealership. GAP insurance coverage is often financed as part of the loan or lease, and typically comes into play when a vehicle is subject to a total loss. Some finance companies require GAP insurance when financing a loan.  ### **How to Save on GAP Insurance** We suggest checking first with your independent insurance agent before signing a GAP policy related to a vehicle purchase. Your independent agent may be able to save you money by adding this coverage to your vehicle insurance policy rather than taking out a separate policy through your car dealership. To learn more about getting the right GAP Insurance for your vehicle, call us at **610-775-3848** or use the **[Contact Us](https://www.aigltd.com/contact/)** form. ### **GAP Insurance for Your Business** When it comes to insuring your business “GAP insurance” refers to Guaranteed Asset Protection, and often comes in the form of a “guaranteed replacement cost” or “agreed value” insurance policy. In such cases your business property is insured for an amount that is guaranteed in advance regardless of what the market value may be at the time of your claim.  This speeds the time to settle your claim, and may help you sleep better at night. To learn more about the many commercial insurance options for your business, call us at **610-775-3848** or use the **[Contact Us](https://www.aigltd.com/contact/)** form.[![Contact Us to learn more about GAP insurance for your car or business. Serving Reading PA, Philadelphia, Lancaster, Harrisburg, York, Allentown, Bethlehem, Pennsylvania and beyond.](https://www.aigltd.com/hs-fs/file-16764558-jpg/images/contact-us-button-e-250.jpg)](https://www.aigltd.com/contact/) Tags: [Car Insurance Harrisburg PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-harrisburg-pa), [Car Insurance Lancaster PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-lancaster-pa), [Affordable Motorcycle Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-motorcycle-insurance), [Car Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance), [Car Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-reading-pa), [Car Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-allentown-pa), [GAP Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/gap-insurance), [Car Insurance Philadelphia PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-philadelphia-pa), [Affordable Car Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-car-insurance) ### Why Customers Love and Trust Us! ### Subscribe to Receive Helpful Blog Posts Get the Right Coverage and Save Big with American Insuring Group!   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg?width=300&height=154&name=Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg "Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg")](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-House-Insurance-btn-300b.jpg?width=300&height=202&name=Affordable-House-Insurance-btn-300b.jpg "Affordable-House-Insurance-btn-300b.jpg")](https://www.aigltd.com/homeowners-renters-house-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Life-Insurance-btn-300-1.jpg?width=300&height=210&name=Affordable-Life-Insurance-btn-300-1.jpg "Affordable-Life-Insurance-btn-300-1.jpg")](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Health-Insurance-btn-300.jpg?width=300&height=214&name=Affordable-Health-Insurance-btn-300.jpg "Affordable-Health-Insurance-btn-300.jpg")](https://www.aigltd.com/health-insurance)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Business-Insurance-btn-300.jpg?width=300&height=235&name=Affordable-Business-Insurance-btn-300.jpg "Affordable-Business-Insurance-btn-300.jpg")](https://www.aigltd.com/commercial-insurance-small-business) ### Latest Posts ### Posts by Category - 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