I would have went the route of regular passenger plates!
i bought a ram 1500 back in 2005 (in NY) and the dealer gave me commercial plates because the weight was 5000+. They told me i had to wait until i got the title to go to the DMV and get passenger plates. In that time, i received multiple tickets where i lived for parking a commercial vehicle on the street overnight. You obviously may not have that issue but you may have others. Will you be able to drive on the merritt parkway (assuming you do) or other parkways in CT? i can't remember if commercial vehicles are allowed on parkways in CT. I had to sneak and drive with my fingers crossed on the parkways in westchester where i lived because of the "no commercial vehicles allowed" law.
That said, my insurance policy was regular policy. There was no need to tell them how it was registered. they just needed to know it's use and it wasn't for commercial use.
