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Allied Insurance Agency

2511 S Arthur St,
Amarillo, TX 79103

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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/Comprehensive

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.