Where to get GAP insurance on high APR auto loan?

Hey all. I was an idiot and bought a car at DriveTime. They sold me the car at 21% APR. I am very upside down on this auto loan and need to get GAP insurance just in case. Every provider I've found limits 12.5%. Anyone know of any other providers which have a higher APR limit? Thanks.

Where to get GAP insurance on high APR auto loan?
Wow, well, have you called the insurance company where you insure the car? That's probably the BEST place to get the gap from.





Although they won't cover any negative equity rolled into the loan.





Besides that, either drive very, very carefully for the next three years, or sell the car/cancel the deal - even if it costs you. Sounds like it's going to cost you about three times what it should, anyway.
Reply:GAP is not always issued after the loan is. Many places have a 30 day period after you make the loan. You did not say how long ago you bought the car. If it has been more than 30 days, your best bet would be to consider a re-fi with your bank or credit union. They will also have GAP insurance.





I am surprised that the dealership didnt sell it to you, they usually get a cut from it which is why it is higher than if you get it from your bank or CU. Maybe they felt bad about sticking it to you with the rate %26amp; thought GAP would be too much.
Reply:you may want to consider refinancing to a lower apr and then adding gap, if you had the auto loan at least 6 months with on time payments you should be able to