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Allied Insurance Agency

2511 S Arthur St,
Amarillo, TX 79103

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Automotive Coverage Criteria for New Drivers

Automotive insurance will protect you as a new driver. If you have recently passed your driving test, review the tips below. Then, contact one of our Allied Insurance Agency representatives for further assistance.

Liability Protection

Many regions require drivers to carry a minimum amount of liability insurance coverage. Liability protection pays for the cost of repairs.

If you are found at fault in a traffic accident, the liability insurance protection you have will handle the expenses that directly result from the accident.

You can carry the minimum amount of liability protection that is required in the region in which you live. You also have the option of increasing the amount of liability protection that you are equipped with.

Damage and Theft

Damage and theft coverage will pay for automotive repair costs and the loss of automotive equipment. This type of coverage will allow you to recoup losses you incur after a criminal activity. The amount of coverage that you choose should be consistent with the value of your vehicle. 

Insurance Documents

As a new driver, you may have many questions about your rights and responsibilities. Before you select an insurance product, review each of the options you have.

Compare rates and review the insurance guidelines that are furnished for each type of coverage that you are seeking.

After you purchase insurance, keep your insurance paperwork in a safe place. One copy of your proof of insurance should always be stored inside your vehicle.

Contact Allied Insurance Agency

An agent serving the Amarillo, TX region can answer any questions about automotive insurance. They will match you with products that will be useful to you.

What to do Immediately Following an Accident

No one wants to have a vehicle accident, but they do happen. Your auto insurance representative at Allied Insurance Agency serving Amarillo, TX wants you to be as prepared as possible in the event that you have a vehicle accident.

Here’s what to do immediately following an accident:

Ensure Safety

Personal harm is the worst thing that can come out of a vehicle accident. Before doing anything else, ensure your own safety and the safety of others. If anyone is injured, dial 911 right away to get help. If the accident has occurred in an area where there is danger, move to a safe location so that more damage or harm can be avoided.

Exchange Information

Exchange names, addresses, phone numbers, insurance company details and vehicle registration numbers with the other drivers that are involved. It’s also helpful to get contact information from witnesses. If others aren’t forthcoming with information, take photographs of vehicles and license plates with your phone.

File a Police Report

Be sure to stick around and file a police report. This report will be very helpful when it comes to filing your claim. Give the officer as much information as possible so the facts are clear.

Notify Your Auto Insurance Company

As soon as possible after the accident, inform your insurance company. Provide them with all the necessary information and documentation, including copies of police accident reports, photographs, and witness information.

Get Repair Estimates

Obtain at least three estimates for repairing your vehicle. You’ll want to submit them along with your insurance claim so you can get your vehicle fixed and back on the road as soon as possible following the accident.

Call Today To Discuss Your Options

Your insurance representative at Allied Insurance Agency serving Amarillo, TX is ready to assist with all your auto insurance needs. Contact us today to get started.

Telematics and Usage-Based Auto Insurance: Pros, Cons, and Considerations

Telematics technology is revolutionizing the world of auto insurance, offering personalized rates based on your driving habits. Here at Allied Insurance Agency, providing auto insurance to residents in the greater Amarillo, TX area, we want to help you understand the advantages, drawbacks, and important factors to consider.

Pros, Cons, and Considerations

Pros of Telematics

Telematics, using devices or smartphone apps, tracks your driving behavior. Good driving habits, like cautious braking and steady speeds, can lead to lower premiums. For safe drivers, this could mean substantial savings. Moreover, telematics encourages safer driving, promoting road safety and potentially reducing accidents.

Cons and Considerations

While telematics offers benefits, it also raises concerns. Privacy is a significant issue; tracking driving habits might feel intrusive to some. Additionally, aggressive or frequent drivers may not experience cost savings. There’s also the challenge of adapting to new technology, which could be a deterrent for some.

Making the Decision

Before embracing telematics, assess your driving habits and comfort with technology. If you prioritize safe driving and don’t mind sharing data, telematics could be a win-win. Research insurance providers offering telematics and compare rates. Consider any potential privacy trade-offs and ensure the technology aligns with your lifestyle.

Telematics and usage-based auto insurance present an innovative approach to personalized premiums. While it rewards safe driving and encourages better habits, it also raises privacy and compatibility concerns. Carefully weighing the pros and cons will help you make an informed decision about whether telematics-based insurance is the right fit for you. If you’re looking for the best auto insurance for your needs in the greater Amarillo, TX region, let the insurance agents at Allied Insurance Agency assist you. Reach out today to start the process.

Will auto insurance cover the replacement of my car’s stereo system?

Many of us enjoy listening to the radio as we drive around town running errands or traveling to different places. It is a common pleasant part of the driving experience. Fortunately, your car’s sound system is typically covered under your auto insurance policy. Our Amarillo, TX team at Allied Insurance Agency takes pride in educating drivers about all the coverage benefits of auto insurance.

Will auto insurance cover the replacement of my car’s stereo system?

Typically, yes. Your car’s unaltered sound system is usually covered under basic, comprehensive, and collision auto insurance. However, the issues you may be having with your car’s sound system and how they came about determines which coverage will be applied for the repair or replacement of your sound system.

Drivers can also purchase add-on insurance in the form of sound system insurance to cover the replacement or repair of an aftermarket sound system. This auto insurance will cover theft and any damage caused as a result of an accident.

Drivers should inform their auto insurance company if they plan on purchasing a new stereo system. This will avoid any issues associated with invalidating your existing car insurance policy that could arise from purchasing a sound system without informing your insurance provider.

Any changes to your car’s existing systems and structure should be noted and disclosed to your insurance provider. An insurance agent can discuss how and what forms of coverage would apply to your sound system based on the accident or circumstance.

Looking for Insurance in Amarillo, TX?

If you have questions about what’s covered by your auto insurance policy, call us at Allied Insurance Agency. We’d be happy to help you explore your options and answer your questions. 

Safe driving tips for new drivers

Driving a car can be an exhilarating experience, but it’s important to understand the responsibility that comes with it. It’s especially important for new drivers in Amarillo, TX and everywhere to have a proper understanding of safe driving practices before they hit the open road. As such, here are some essential tips from the Allied Insurance Agency for staying safe behind the wheel. 

Safe driving tips for new drivers

First and foremost, always obey traffic laws and pay attention to your speed limit. Speeding is not only dangerous; it significantly increases the risk of being involved in an accident. Additionally, be sure to familiarize yourself with all of your vehicle’s functions and features such as headlights, brakes, and turn signals before you drive; this will ensure that you’re able to handle any potential issues quickly should they arise. 

Furthermore, make sure that you always have a valid driver’s license with you when you drive. Ensure that your vehicle is up-to-date on all necessary inspections and maintenance; this will help reduce the risk of potential mechanical failures while on the road. 

Finally, always look down the road – rather than just directly ahead – while driving; this will allow you to anticipate any potential hazards coming your way which will enable you to react accordingly in order to prevent any incidents from occurring or at least minimize their severity should one occur nonetheless. 

Make Sure to Get The Right Insurance Coverage For Your Vehicle

Staying safe on the roads is everyone’s responsibility. These tips are just some of the many things new drivers should keep in mind at all times when operating a vehicle. Getting auto insurance is mandatory – this will also ensure your vehicle is protected in case of any accidents. For more tips and to get coverage for your car, call us at Allied Insurance Agency today! We proudly serve the Amarillo, TX area. 

What Does Full Coverage Auto Insurance Mean?

Full coverage insurance is a phrase often used and frequently misunderstood. Allied Insurance Agency wants our Amarillo, TX insurance clients armed with accurate information. So let’s break down some key coverages in simple terms.

The Basics:

We know the primary three. Liability covers another driver’s damages if you are at fault. Collision pays for repairs to your vehicle because of an accident. Comprehensive covers non-collision repairs. Things like damage from fires, hail, wind, theft, and vandalism are comprehensive. This is often called full coverage. However, it doesn’t cover everything. Be sure to review your policy details to know what’s excluded.

Other Auto Coverages:

Texas requires insurers to offer PIP and Uninsured/Underinsured coverage. You must decline these coverages in writing. Others may or may not be offered, but are worth considering. Nobody plans an accident, and they rarely come at an opportune time. Insurance helps you weather the unexpected. 

  • MedPay: Covers medical bills for the driver and passengers for a covered accident. Also covers you if injured as a passenger, pedestrian, or cyclist.

  • PIP: Like MedPay, but also pays for lost wages and related costs. 

  • Uninsured/Underinsured: Covers the bill if you are hit by someone with insufficient coverage to pay for repairs and medical expenses. 

  • Towing/Roadside: Covers the cost of towing, gas and oil delivery, tire changes, and dead battery service roadside.

  • Rental Reimbursement: This covers the cost of a rental while your car is being repaired for a covered accident. Some policies may allow ride-share services. 

Get The Right Insurance Coverage For Your Vehicle Today

Whether you are looking for new insurance in Amarillo, TX, or wish to review your current policy, Allied Insurance Agency is here to help. Our friendly staff is ready to answer all your questions so you feel confident in your insurance choices.

What Are The Most Common Auto Insurance Mistakes?

Most people make a few common auto insurance mistakes, which can cost you dearly. Improperly estimating your risk may cause you to receive a higher premium. Not letting your carrier know if there are any factors that may increase your risk may cause you to receive a higher premium. Not setting up an auto insurance policy that fits your needs may cause you to receive a higher premium. Consult Allied Insurance Agency in Amarillo, TX for expert help. 

What Do the Auto Insurance Mistakes Entail 

Most people make one or two simple mistakes when it comes to their auto insurance. By taking a few seconds to reflect on your own situation, you may be able to identify what you did or did not do that caused your current auto insurance situation to be what it is now. 

Ensure you are familiar with your coverage and know what is and is not covered. Most people make small, inconspicuous mistakes that eventually add up to a larger financial burden. Common mistakes include: 

  • Signing up for the wrong type of coverage
  • Getting hit with a high deductible
  • Ending up with the wrong coverage at the wrong time
  • Not keeping up with your car’s insurance
  • Not keeping your information correct on your policy
  • Not keeping your car in good working order
  • Not reading your policy before buying or updating it when necessary.
  • Not knowing your state’s requirements for car insurance.
  • Not comparing car insurance companies to find the one with the lowest rate.
  • Not purchasing enough car insurance.

Contact Us Today

Learning about the common mistakes that people make with their car insurance will give you the upper hand if you find yourself in a situation where you’re trying to get the wrong information. Most people make at least one of these common mistakes when it comes to buying or renewing their car insurance policy. For help in Amarillo, TX, call Allied Insurance Agency.

A Look At 3 Key Parts Of Auto Insurance

Allied Insurance Agency serves the Amarillo, TX community, as well as the surrounding areas. We are an independent agency. We are committed to helping our clients find the coverage they need to protect themselves in any situation. Working with multiple carriers allows us to offer our clients flexible policies that align with you and analyze your situation. This allows us to help you find coverage that evolves as your life changes.

3 Key Parts Of Auto Insurance

Accidents can occur at any given moment while you’re out on the road. That’s why auto insurance is such a valuable asset. Auto insurance covers you if an issue arises while you are out on the road. Auto insurance is a unique type of coverage in that there are a lot of variables that make up the policy. Let’s take a closer look.

Liability Coverage

Liability coverage protects you if your vehicle accidentally injures someone or damages their property. Perhaps you take your eye off the road for a split second. Suddenly your vehicle hits another one, causing rear-end damage. Liability coverage will protect you in these situations.


Collision insurance covers you if your vehicle is damaged due to an impact with another object. Your vehicle is protected, so you won’t have to worry about handling the repairs. Comprehensive coverage protects your vehicle if you are a victim of theft or someone vandalizes your car. You’re also covered if severe weather moves through the Amarillo, TX community and damages your vehicle. 

Additional Coverage

You can amend your auto insurance policy to add extra coverage. Emergency roadside assistance is recommended. Perhaps you are traveling somewhere, and your vehicle suffers a flat tire or your engine starts having trouble. You will receive immediate roadside service.

Allied Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.