About DoINeedGap.com

DoINeedGap.com is an independent, consumer-focused resource that helps drivers understand GAP (Guaranteed Asset Protection) insurance and decide whether it's the right add-on for their car loan or lease.

We are not a licensed insurance agent, broker, or underwriter. We build free tools — like our GAP calculator — and publish plain-English guides that explain how the product actually works, what it costs, and when it's a waste of money.

Our mission

Auto finance offices sell GAP insurance at a 3–5x markup to drivers who often don't understand what they're buying. Our mission is to level that information asymmetry: give consumers the same math their dealer is running, before they sign.

How we make money

DoINeedGap.com earns affiliate commissions when readers click through to partner insurance providers and purchase a policy. These partnerships do not influence our editorial content, our calculator's logic, or the ranking of providers on this site. We disclose these relationships on every page that contains a partner link.

Editorial standards

• All guides are written and reviewed by our editorial team using publicly available insurance industry data.
• We never accept payment to change the output of our calculator or to soften our guidance.
• We update our content whenever GAP pricing, regulations, or partner availability changes materially.

Contact

Partnership inquiries, corrections, and editorial feedback: partners@doineedgap.com.