When deciding whether to get gap insurance from a dealer or an insurance company, it’s generally better to choose an insurance company. Insurance companies often offer more competitive rates and flexible terms compared to dealers. Dealers tend to charge higher premiums and may include additional markups, as their primary goal is to sell the insurance as an add-on to the vehicle purchase. Insurance companies, on the other hand, specialize in coverage and can provide tailored options that might be more cost-effective. Additionally, purchasing from an insurance company allows you to compare policies and ensure you’re getting the best deal and coverage for your needs, rather than relying on a one-size-fits-all solution offered by a dealer.