Fall is one of the most popular times of year to purchase a new car. With Labor Day sales, year-end clearance events, and new models arriving at dealerships, many Connecticut drivers find themselves tempted to trade in their old ride for something fresh. But before you drive off the lot, it’s important to make sure your auto insurance is in place and tailored to your new vehicle.

Review Your Current Policy

If you already have auto insurance, start by reviewing your existing coverage. Policies don’t automatically adjust to reflect a new car, so it’s crucial to update your provider with details about the make, model, and year of your vehicle. This ensures you’re protected from day one.

Understand Required Coverage in Connecticut

Connecticut drivers are required to carry minimum liability insurance, but those state-mandated limits may not be enough for a brand-new vehicle. It’s often wise to consider higher liability limits along with comprehensive and collision coverage. These additions can help protect against accidents, theft, weather damage, or even a cracked windshield on I-91.

Consider GAP Insurance

New cars depreciate quickly, which means the loan amount you owe may be higher than the car’s actual market value. GAP insurance helps cover the difference if your vehicle is totaled in an accident. For many buyers financing or leasing a new vehicle, this extra layer of protection is well worth the peace of mind.

Compare Coverage and Rates

Just as you compare different car models, it’s smart to shop for insurance coverage. Premiums can vary depending on your driving record, credit history, and the type of car you choose. Working with a local insurance agency like Petruzelo Insurance gives you access to multiple carriers so you can find the right balance of protection and price.

Drive Into Fall with Confidence

Purchasing a new car is exciting—but making sure it’s fully protected is essential. Before you leave the dealership, talk to Petruzelo Insurance about updating or securing a policy that fits your needs. Our team has been helping Connecticut drivers for decades, and we’ll make sure your new investment is safe on the road this fall and beyond.