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Stalwart Insurance

2550 Boyce Plaza Road
Pittsburgh, PA 15241

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Auto insurance FAQs

Stalwart Insurance in Pittsburgh, PA is an independent insurance agency that believes they have a responsibility to customize your insurance for you and your vehicle while keeping in mind the state-mandated insurance requirements. We are Stalwart. Reliable, hardworking, faithful, and solid. You can count on us to be there for you from the time we sell you a policy through any claims you may file. 

What auto insurance is required in Pennsylvania?

You must maintain liability coverage on your motor vehicle in Pennsylvania. If you don’t keep this coverage, your registration will be canceled, and there will be a penalty for reregistering it. It is not something that you want to have happen to you. The coverage you must maintain is 15/30/5. If you have a car loan, you also need coverage on the vehicle. 

Who needs to add gap insurance?

If you have a car loan and your vehicle is totaled relatively quickly, you could find that the money the insurance company is willing to give you for your vehicle is not enough to pay off your loan. That is where the gap comes in. The gap insurance will make sure you don’t lose money and lose your vehicle. 

Does auto insurance cover a rental car?

If you have full coverage, your auto insurance should cover your rental vehicle. If you are in doubt, call your insurance agent to make sure. If you have basic insurance, you will need to try another way to pay for the car rental insurance, like your credit card. 

Do I need car insurance when my car loan is paid off?

Yes, in Pennsylvania, you need to have basic liability coverage of 15/30/5. 

Contact Stalwart Insurance in Pittsburgh, PA when you need to discuss your auto insurance needs.

Required Auto Insurance in Pennsylvania

In Pennsylvania, all vehicles are required to have auto insurance on them. It is also required that you have proof of your insurance to show to the police if you’re asked for it. If you need auto insurance in Pennsylvania, contact us today at Stalwart Insurance in Pittsburgh, PA to talk with an agent about your coverage needs.

Bodily Injury and Property Damage

There are state minimums required for a few different types of coverage. There is a minimum amount required for one person’s bodily injury that you are liable for in an accident, and there is another number required for all of the people injured. There is also a required minimum for property damage that you are liable for. In addition, there is a small amount required for a first-party medical benefit. As long as all of these minimums are met, you have enough insurance to stay legal when you drive. 

Other Auto Coverage

In Pennsylvania, the mandated minimum amount for each type of coverage is very low. It’s one of the lowest in the country. You may find that you want to add different types of coverage to your auto insurance as well as raising the amount that you have. Getting collision insurance is a way to protect you if you cause an accident in which your vehicle is damaged or destroyed. This can be extremely helpful in case you need repairs or to replace the car. You can also choose comprehensive insurance, which protects against a number of off-road hazards.

Get Your Auto Insurance

If you need an auto policy, or you want to add to your existing policy, call us at Stalwart Insurance in Pittsburgh, PA to find out more about the many types of helpful insurance coverage that go into a good auto insurance policy. 

Reasons Minimum Coverage Isn’t Enough in Pittsburgh, PA

Many people try to save as much money as they possibly can. However, some things are worth paying a little extra. One of these things is car insurance. Though you may want to buy the Pennsylvania state minimum, that might not be the best idea.

Here are some reasons why the minimum coverage might not be enough for you. 

It won’t cover much. The simple truth is that cheap insurance won’t be enough. Most of the time, you will only have liability insurance. This will cover damage to the other vehicle but not your own. Unless you have comprehensive and collision insurance, you will be paying for your own medical expenses and car repairs yourself. This could cost you thousands of dollars that you don’t have. 

It might not actually be as cheap as you think. Though you may have been quoted a small fee, the truth is that you may be charged a bunch of extra fees, making it even more expensive than insurance that may cover a lot more. 

You are probably going to have a high deductible. Many cheaper plans have a higher deductible, which only means that you will have to pay more money out of your pocket before your insurance kicks in. Instead of being required to pay a few hundred dollars, you may have to pay a few thousand before your insurance pays a dime. 

Car insurance (and other insurance) can be quite complicated, so it is always a good idea to talk to a professional. Here at Stalwart Insurance in Pittsburgh, PA, we pride ourselves on helping others find the right coverage. We want you to be fully protected, just in case!

Three common misconceptions about auto insurance in Pennsylvania to be aware of

It would be best if you didn’t underestimate the importance of selecting an auto insurance policy. Your auto insurance is a key financial product that you’ll rely on to protect you if you’re ever involved in an accident.

At Stalwart Insurance, we sell auto insurance policies that meet motorists’ needs in Pittsburgh, PA. The following are three common misconceptions about auto insurance in Pennsylvania that you need to be aware of.

Comprehensive coverage covers any possible type of auto insurance need.

Comprehensive coverage is a certain type of auto insurance coverage. However, the name can be a bit deceiving. Comprehensive coverage means coverage for every type of damage your vehicle can experience outside of a collision. 

Comprehensive coverage alone only covers you for damage from certain causes such as flooding or theft. However, comprehensive coverage does not cover damage to your vehicle from an accident. For this, you need to purchase collision coverage. 

You won’t be held liable for accidents in your vehicle if you weren’t driving.

Some motorists think that they can let their friend borrow their vehicle without being held liable if their friend gets in an accident. Actually, you may be held liable if someone else gets in an accident while driving your vehicle. This is why it’s important to be careful about letting others borrow your vehicle.  

Your rates always go up after you get a ticket.

It’s true that your auto insurance rates are related to your driving record. If you have many serious citations on your record, you’re going to pay more for coverage. However, generally speaking, your rates shouldn’t go up significantly after only one ticket. 

Learn more about auto insurance in Pittsburgh, PA by calling us at Stalwart Insurance. We’ll answer all of your questions about meeting your insurance needs in Pennsylvania. 

3 risks associated with liability coverage on auto insurance

  Shopping for auto insurance for the first time can be daunting, especially when you are not familiar with the terms used. Terms such as ‘liability coverage” are prevalent in the insurance industry. If you are not sure what it means, you may end up making the wrong choices. Seeking help from an insurance expert at Stalwart Insurance serving Pittsburgh, PA is a prudent idea.

We will help you understand everything about insurance and find coverage that best fits your needs, lifestyle, and budget. The following three risks will help you understand how liability is related to your auto insurance.

1. It puts your vehicle at risk

Liability coverage is an insurance policy that only covers the damage or bodily injury of another driver when you are involved in an accident. That means that you and your vehicle are not in the picture. If you are injured or your vehicle is damaged in the same accident, and you were at fault, your liability insurance may not help.

2. Your financial security is not safe either

Liability touches the most critical part of insurance–finance. Even if you are the best driver in Pittsburgh, PA, you can still be involved in an accident where you are at fault. In such a case, you will most likely need thousands of dollars to pay for your medical bills as well as make significant repairs-resulting to financial jeopardy.

3. Your health is in danger

When you get liability coverage, it is critical to have in mind that it is not for you but for other road users whom you may hurt in an accident. If you are seriously injured in an accident where you were at fault, liability coverage may not help you.

To learn more about your safety on the roads with auto insurance, visit Stalwart Insurance in Pittsburgh, PA today!  

Stalwart Insurance: Tips for Safe Winter Driving

From the snow-covered mountains to the quaint small towns nestled in the hills with snow-covered rooftops, the winters in the most Eastern states can be gorgeous, but the snow can also cause some treacherous road conditions. Here are some tips from Stalwart Insurance in Pittsburgh, PA for safe winter driving in this beautiful state.

Before You Hit the Road

Before heading out on snow or ice-covered roads, be sure to let someone know where you will be traveling and take your cell phone with you. Be sure to fully charge your phone before you take off and stop at a nearby gas station to fill your tank, just in case you do get stranded. Throwing a blanket in the back of your vehicle is a good idea, also, in case your heater does not work, and you need to keep warm until help arrives.

Driving Uphill

Be sure to keep going as you drive uphill on snow or ice-covered roads and to keep your vehicle in high gear. That means, do not stop because if you do, you take a chance on you and your vehicle sliding back down the hill.

Downhill Driving

When traveling down a hill, keep your vehicle in a low gear to decrease your overall speed, and you will not have to use your brakes as often. Braking can cause sliding, which you will want to avoid.

Studded Tires

Studded tires will help keep you and your vehicle on the road and will assist you in climbing steep roads that head uphill.

Stay in Control

Do not use your vehicle’s cruise control feature when navigating snowy roads. If you do, you will not have as much control over the acceleration and deceleration of your vehicle, which you need when traveling on treacherous roads.

Use these tips to stay safe while enjoying your drive through beautiful landscapes. For more tips and to ensure you have proper insurance coverage, visit Stalwart Insurance in Pittsburgh, PA in person, or contact us online.

 

 

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