Yes, gap insurance can typically be bought separately from an auto insurance policy. Gap insurance is designed to cover the difference (or “gap”) between what you owe on your car loan or lease and its actual cash value (ACV) in the event of a total loss, such as in an accident. While some auto insurance policies offer gap coverage as an optional add-on, it is also available through other sources like car dealerships, banks, or third-party insurers. Buying it separately allows flexibility in choosing the provider and potentially better rates. Keep in mind that gap insurance is usually offered to individuals who are financing or leasing their vehicle, as it is more likely for them to owe more than the car’s current value. Before purchasing, compare the terms and costs of gap insurance from various providers to find the best fit for your needs.