Car Insurance in Pittsburgh, PA

Find affordable auto insurance with the right coverage for you

Auto Insurance Coverage

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. The law mandates that every vehicle on the road must carry at least state liability. Here at Engarde Financial Group (EFG), we educate our clients on all of their coverage details so that they are ready and informed in the event of an accident.

The advantage of placing your auto insurance policy with EFG is that you will be able to enjoy a competitive car insurance rate every year. We understand that insurance company’s rates increase, so we have contracts with over 40 different insurance companies to help find the best coverage for you. What this means for you is that we will do all the heavy lifting and shop your insurance coverage around if we see any dramatic rate increases with your policy.

Car Insurance Pittsburgh, PA
Auto Insurance Policy Pittsburgh, PA

Find the Best Car Insurance in Pittsburgh, PA

If you’re looking for the best car insurance in Pittsburgh, we’ll help you find it. As independent agents, we represent you. We work with many auto insurance providers and take your specific needs into account and search out the best car insurance coverage and rates for you.

Wonder if you have the best car insurance rate already?

We offer a complimentary auto insurance policy review. If we can find you something better we’ll show you your options or let you know that you have a good policy.

You might consider switching auto insurance when you find a policy with;

  • Increased coverage at the same rate,
  • More affordable car insurance with the same coverage,
  • Or, more affordable car insurance with better coverage.

Auto Insurance FAQ

How Much Does Car Insurance Cost in Pittsburgh?
PA car insurance costs can vary between car insurance companies, and of course, your insurance policy is based on many factors, including the amount of coverage. You may be looking for liability insurance or full coverage. The cheapest car insurance may save you some money, but may not provide the coverage you need in the event of an accident.

Your car insurance premium depends on the amounts of comprehensive coverage and collision coverage, takes into account your liability limits, the type of vehicle, your age, credit history, where you live, your gender and marital status, how often and how far you drive, and your driving history.

Car insurance companies are required to provide you with all of the details of your policy. If you don't fully understand your current auto insurance policy, speak with one of our licensed insurance agents and we can help you review your coverage and show you how your coverage is affected.

Comprehensive & Collision Auto Insurance Coverage
Evaluating your car insurance coverage is an important part of finding the right insurance policy. Many policies are available that offer comprehensive and collision coverage. Collision car insurance covers damage to vehicles and property in the event of a car accident.

Comprehensive auto insurance coverage includes damage to vehicles and property in the event of a car accident as well as damage caused by covered events such as theft, vandalism, and weather events unrelated to a collision.

Finding an auto insurance policy with both comprehensive and collision coverage might make sense for you to provide greater protection. While determining whether both types of coverage are right for you.

Clean Driving Record
Many auto insurance company policies award drivers for safe driving. They’ll take into account any record of a speeding ticket (and how long since that speeding ticket), whether there has been an accident, whether that accident included bodily injury or property damage, and/or any other driving infractions. A clean record typically leads to the best auto insurance rates.
Other Factors Affecting Pittsburgh Drivers
Your auto policy may also take into account your age, gender, marital status, the zip code where you live or where the vehicle will be parked/operated, and other factors. Some car insurance products also allow for discounts for military members.
What Car Insurance is Mandatory in PA?
The Pennsylvania state minimum car insurance coverage is the set minimum required coverage. The state minimum is the required minimum for car insurance in Pittsburgh. The cheapest car insurance policy will often be at or near this minimum coverage. State minimum limits for car insurance in Pennsylvania are:
  • Bodily injury liability coverage: $15,000 per person, $30,000 per accident
  • Property damage liability coverage: $5,000
  • Uninsured motorist coverage: $15,000 per person, $30,000 per accident
  • Underinsured motorist coverage: $15,000 per person, $30,000 per accident
  • First party benefits: $5,000

(In Pennsylvania, you may request to remove the coverages for uninsured and underinsured motorist coverages from your car insurance policy.)
How Do I Get Car Insurance Quotes from EFG?
Most drivers look for cheap car insurance quotes, and nobody wants to spend more than they have to for car insurance. Sometimes affordable car insurance rates alone can be misleading, so if you’re shopping for car insurance in Pittsburgh, make sure you get comparative quotes and compare the provided coverage.

We work with multiple insurance carriers to find you the best rate on auto insurance along with the right amount of coverage for you. (Note: Insurance providers can vary in their offerings and one insurance company may offer a better price for one driver, while another insurance company may offer the best price for someone else.)

Keep in mind that the cheapest car insurance quotes are often based on minimum coverage. You’ll be able to compare the cheapest auto insurance quotes that we find alongside different coverage options from different insurance providers. We offer personalized car insurance quotes and guidance in selecting the right car insurance coverage. We strive to be the best auto insurance agency in Pittsburgh.

Contact us today for a policy review or a quote for car insurance on a new or used vehicle. Let us help you find the best car insurance in Pittsburgh.

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