Author: agentinsure

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. 

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!

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.