You’ve found the car. You’ve negotiated the price. You’re ready to drive off the lot. But there’s one more step that could save you from expensive mistakes: reviewing your auto insurance. A new car means new coverage needs—and assuming your current policy is “good enough” can leave you exposed. In this blog, we’ll dive into why Massachusetts drivers should always review their auto insurance before buying a new vehicle and what to check before you sign the paperwork.

Auto Insurance and Your New Car

In Massachusetts, registering a new car requires proof of insurance—but that’s just the legal minimum. The real question is whether your current coverage fits your new purchase.

Upgrading from a used vehicle to a brand-new model? Financing through the dealer? Leasing for the first time? All of these come with coverage requirements that may not match your existing policy. If you don’t review your auto insurance ahead of time, you could face higher out-of-pocket costs, coverage gaps, or even delays in getting on the road.

What Massachusetts Drivers Should Review Before Buying

Lender and Lease Requirements
If you’re financing or leasing, the bank or dealer will require collision and comprehensive coverage—sometimes at specific limits. Don’t assume your old policy fits the bill.

Gap Insurance
In Massachusetts, gap insurance can protect you if your new car is totaled while you still owe more than it’s worth. This coverage isn’t included by default, so it’s important to discuss with your agent.

Discounts You Might Be Missing
Newer vehicles often qualify for discounts thanks to updated safety features or anti-theft systems. Reviewing your policy ensures you’re getting every credit you deserve.

Usage Changes
If your new car changes how you drive—more commuting, longer trips, business use—that should be reflected in your policy for accurate coverage and pricing.

Before You Drive Off the Lot

Before you finalize your new car purchase, make sure your auto insurance is ready:

• Check your coverage limits to ensure they meet lender or lease requirements. A new car often needs more than your current policy provides.
• Verify that your insurance documents are updated so you can register your new vehicle.
• Ask about gap insurance if you’re financing. It can protect you from owing more than your car is worth after an accident.

At the Safeside Insurance Agency, we help Massachusetts drivers make sure their coverage is right before they buy. Whether it’s your first car or your next upgrade, we’re here to help you avoid surprises. Call us at (508) 753-8862 or visit our website to review your auto insurance today.