Category: Auto Insurance

Often, people perceive auto insurance as a security measure solely for their vehicle. However, it provides much more than that. It serves as a vital mechanism to safeguard you and your passengers. If you’re in Pittsburgh, PA, and in need of guidance regarding your coverage options, Stalwart Insurance is here at your service. Our skilled agents are equipped to provide you with the necessary information and expertise that will assist you in making the most appropriate decision concerning your auto policy. This will facilitate the safety of the people you care about.

Auto insurance provides numerous options for types and levels of protection. This can significantly influence your safety levels for everyone traveling in your vehicle. It’s crucial to have them protected against potential medical claims and other issues that may result from an accident. Our agents can provide valuable assistance in achieving this effectively, thus enabling a heightened sense of confidence and peace of mind.

While it may not always be possible to evade an accident, the coverage you possess can significantly impact the aftermath, especially for your passengers. Whether you already have a policy that requires review or are considering a new one, interacting with an agent will provide the answers you seek.

If you’re in Pittsburgh, PA, and uncertain about the level of protection your policy should provide, reach out to Stalwart Insurance. There’s no need to continuously worry about your passengers’ welfare every time you drive if you can modify your policy to offer them an extra layer of protection. This will improve your companionship with them, enrich your experiences, and create memorable adventures.

At Stalwart Insurance, we are proud to help Pittsburg, PA, area drivers by insuring various types of vehicles. We can insure new cars and trucks, modified vehicles, and classic and restored cars. We insure luxury vehicles along with daily drivers.

One of the most frequent questions we get involves when an owner should switch from comprehensive insurance to less expensive liability coverage only. Here are some things to consider:

Do You Have a Loan on Your Car?

If you are making payments on your vehicle, your lender is likely to require you to have comprehensive coverage. Switching to liability insurance may not be an option for you at this time.

What Is Your Vehicle Worth?

It can help to monitor your vehicle’s book value. This will give you an idea of the maximum value you will receive should your car be "totaled," minus your deductible.

Does The Difference in Your Premium Make Sense?

Check the difference between the premium for comprehensive coverage and basic liability coverage. Some suggest if the premium is over 10% of the value of your vehicle, you should consider shifting to liability only.

Make a Move That Makes Sense For You

Of course, everyone’s situation is a little different. Base your decision on your financial situation and risks. If you would like to discuss your options, contact us.

Get a Quote Today

An excellent place to start is by comparing coverage and costs. Contact Stalwart Insurance LLC of Pittsburgh, PA, for a no-obligation car insurance review and price quote. Of course, the decision is always yours.

We look forward to assisting you.

Whether attending an auto show, participating in a car parade, or simply displaying your classic pride and joy, protecting your investment with the right insurance is crucial in the Pittsburgh, PA area. 

Specialized Classic Car Insurance

When insuring vintage cars, a standard auto insurance policy may not provide the coverage necessary to protect these unique vehicles adequately. Consider obtaining specialized classic car insurance tailored to the needs of vintage and antique automobiles.

Agreed Value Coverage

This insurance offers a value that is agreed upon by both parties, the insurance company and the owner. The classic car’s value is agreed upon upfront before the underwriting takes place, considering factors like the car’s rarity, condition, and modifications. 

Usage Restrictions

Classic car insurance comes with usage restrictions. These policies are designed for vehicles that are not used as daily drivers. Some insurances only allow the usage on Sundays or the weekends. 

Storage and Security

Keeping your vintage car safe is crucial. Most classic car insurance policies require that your vehicle be stored in a secure, climate-controlled environment when unused. Additionally, having security measures like alarms, tracking devices, and secure storage can often lead to lower insurance premiums. 

Coverage for Auto Shows and Events

If you plan to display your vintage car at auto shows, parades, or events, ensure your insurance covers these activities. Some classic car insurance policies offer event-specific coverage to protect your vehicle during transit and display.

Documentation and Appraisals

Maintain thorough documentation of your vintage car’s condition, modifications, and restoration work. Recent appraisals and photographs can help substantiate your car’s value and condition for insurance purposes.

Stalwart Insurance Can Help You with Classic Car Insurance

At Stalwart Insurance, we can help answer questions concerning classic car insurance. We serve the Pittsburgh, PA area. Contact us today. 

Are you a driver with a challenging driving record? Have you been labeled high-risk by insurance providers? Stalwart Insurance can help if you are in Pittsburgh, PA. You still have options to acquire the necessary insurance coverage to drive on the roads legally.

Insurance providers label drivers as high-risk for various reasons like accidents, tickets, or DUI charges. Once considered high-risk, drivers face a significant challenge to get the required auto insurance coverage.

However, you have options! In Pennsylvania, high-risk drivers can access the Pennsylvania Assigned Risk Plan (PAARP), a safety net for drivers turned away by insurance providers. The program ensures that every high-risk driver has access to insurance coverage to drive legally. 

Another choice for drivers labeled high-risk is non-standard insurance companies. These companies offer insurance coverage to drivers with challenging records, often at higher rates than standard insurance plans. High-risk drivers should be careful when choosing non-standard insurance companies and ensure that the company is registered with the Pennsylvania Insurance Department to avoid scams and for protection in case of fraudulent activities.

If you have a challenging driving record, consider improving your driving skills. The Pennsylvania Department of Transportation (PennDOT) offers the PennDOT Mature Driver Improvement Program, designed explicitly for licensed operators aged 55 and over. Completing the program can lead to a discount on your insurance premium, and most insurance companies in Pennsylvania accept the certificate of completion.

In conclusion, being labeled high-risk by insurance providers does not mean you cannot drive legally. Pittsburgh, PA drivers should explore their options and make informed decisions. PAARP, non-standard insurance companies, improving driving skills, and carrying adequate liability coverage are all viable options for drivers with challenging records. Don’t wait. Contact Stalwart Insurance today to get the coverage you need.

Why Auto Insurance Is Essential for Pennsylvania Drivers

Automobile accidents can happen anytime, anywhere, and to anyone. That’s why having auto insurance to protect your vehicle and finances is crucial. Stalwart Insurance, a trusted auto insurance provider in Pittsburgh, PA, can help protect you and your car against any unforeseen events on the road.

Auto insurance is essential because it can protect you financially in an accident. If you are found liable for an accident, you may end up paying for the damages to the other driver’s vehicle, medical bills, and other related expenses. 

Protect Your Family from Financial Hardship 

Accident-related costs can add up quickly, and without insurance, Pennsylvania drivers could face significant financial hardship. Auto insurance can help cover these expenses, saving you from potential financial ruin.

Auto insurance is mandatory in Pennsylvania. According to state law, drivers must have minimum coverage for bodily injury and property damage coverages. 

Failure to carry auto insurance can result in fines, your driver’s license suspension, and even legal trouble. Stalwart Insurance can help you navigate the complex world of auto insurance. 

The auto insurance experts at Stalwart offer a variety of coverage options to fit your needs. Talk to your agent to learn more about auto liability coverage, collision coverage, comprehensive coverage, and bundling options.

Seasoned auto insurance agents can also help you understand each policy’s different deductibles, premiums, and limits.

Get Affordable Auto Insurance in Pittsburgh, PA

Stalwart Insurance is a trusted provider of auto insurance in Pittsburgh, PA. They have years of experience helping residents of the area protect themselves and their vehicles when accidents happen. 

Contact an agent for a free quote and help you find the coverage you need to feel confident on the road.

For car enthusiasts, the question of what qualifies a car as a classic can be hotly debated. While there are no definitive guidelines, specific characteristics tend to make a car classic. If you’re wondering if you should insure your car as a classic, Stalwart Insurance of Pittsburgh, PA is here to help.

How do I know if my car is a classic?

A classic car is a vehicle at least 25 years old and maintained in good condition. The term "classic car" can also refer to a particular style or vehicle design, such as a muscle car or a sports car. Some people also consider classic cars to be those no longer in production. This makes them more valuable, as they are collector’s items.

The difference between Classics and Antiques

There are a few key differences between classic and antique cars. Classic cars are usually at least 20 years old, while antique vehicles are typically at least 45 years old. Additionally, classic cars are often still in good condition and can be driven regularly, while antique cars are usually only operated on special occasions.

Insuring a classic car

Classic cars are a type of vehicle that is not mass-produced. They are typically older models that are considered to have a high value. Because of this, they often need a different type of insurance than what is generally offered. This is because classic cars are expensive to repair and can also be challenging to find parts for.

If you own a classic car in Pittsburgh, PA, let the experts at Stalwart Insurance find the right insurance policy. Our helpful agents understand the unique considerations classics need. Contact us today to learn more.

Stalwart Insurance, serving the greater Pittsburgh, PA area, can help you find the right auto insurance policy for your needs. We also take the time to answer questions from our customers. One of the questions recently asked is whether you should continue your auto insurance policy if your license gets restricted or suspended. We highly recommend you do. Here are a few of the reasons why. 

Auto Insurance Covers Your Car While It is Sitting In the Driveway

An auto insurance policy may cover your car while sitting in your driveway. Full coverage auto insurance policies protect your car against vandalism and theft, two things that unfortunately can happen, even if your license is suspended. 

Auto Insurance Covers Your Car When Someone Else is Driving the Car

Even if your license is suspended and you are not driving your car, someone else in your household may be operating your car. Continuing to carry insurance helps to ensure your vehicle is covered in case someone else drives your automobile. 

You May Be Required to Maintain Auto Insurance to Keep Your Car Registered

In the state of Pennsylvania, you have to have auto insurance to register your car. Your registration may lapse if you drop insurance coverage on your vehicle. This can lead to fines and fees when your license is reinstated, and you want to re-register your car. 

Continuing to Carry Insurance Helps Prevent a Lapse In Your Auto Insurance Coverage Period

Lastly, if you drop your insurance coverage, you will be uninsured for a period of time. When you purchase auto insurance, you may pay higher premiums if you had a lapse in your auto insurance coverage period and were uninsured for a period of time. 

If you are in the market for auto insurance, Stalwart Insurance, serving the greater Pittsburgh, PA area, is here to help you. Call or email us today to obtain a free estimate. 

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.

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!