Buying a new vehicle is exciting. Whether you’re upgrading your daily driver, adding a car for a teen, or finally purchasing something new after years of driving the same vehicle, there’s a lot to think about. Between pricing, financing, and paperwork, insurance often gets pushed to the bottom of the list.

We talk with clients all the time who are surprised to learn that a new car can change more than just their monthly payment. Different vehicles come with different insurance considerations, and reviewing your coverage before you buy can help make sure there are no last-minute questions or unexpected changes.

Why a Coverage Review Matters Before You Buy

When you purchase a new or newer vehicle, its value is usually higher than the one it’s replacing. That alone can impact how your policy is set up. Financing or leasing a vehicle can also come with specific insurance requirements, which may be different from what you’ve had in the past, especially if your previous car was paid off.

Even when buying a used vehicle, coverage needs can change. Safety features, how often the vehicle will be driven, or who will be driving it are all things that can affect your policy. Taking a few minutes to review coverage ahead of time helps ensure your insurance matches how the car will actually be used.

Avoid Rushed Decisions at the Dealership

One of the most common situations we see is someone calling from the dealership needing insurance changes made on the spot. While it can be done, it often leaves little time to ask questions or fully understand the options available.

Reviewing your insurance before you head to the dealership gives you time to talk things through without pressure. You can ask questions, understand what coverage might change, and feel more prepared when it’s time to finalize the purchase.

Make Sure Your Coverage Still Fits Your Life

A new vehicle often comes alongside other life changes: new jobs, growing families, changes in commuting, or adding another driver to the household. These details matter when it comes to insurance. What made sense a few years ago may not be the best fit today.

We always encourage clients to treat a vehicle purchase as a good opportunity to review their overall coverage and make sure it still aligns with their current needs.

At Mulling Insurance, our goal is to help clients feel informed and confident, not rushed. If you’re thinking about purchasing a vehicle, we’re always happy to review your coverage, answer questions, and help you plan ahead so you can focus on enjoying the drive.

 Kevin Mulling, CIC | Vice President

As Vice President of Mulling Insurance, Kevin uses his decades of insurance industry experience and knowledge as a Certified Insurance Counselor (CIC) to help customers with their policies. He takes pride in leading his team and carrying forward the family business's strong commitment to community and family values.