San Antonio
Car Insurance
DO YOU NEED INSURANCE?
Our primary objective is to be there when you need insurance coverage and service, taking care of you with the highest level of integrity.
Open Monday, Tuesday & Thursday 8:00 AM to 5:00 PM
Wednesday & Friday 8:00 AM to 4:00 PM
SAN ANTONIO AUTO-CAR POLICIES
Thinking of making the switch? Let us help you find the best quote available
Ed Cuellar Insurance Agency offers strong and flexible auto coverage options for San Antonio residents at great rates. We understand that there are various things to consider when purchasing your car insurance, so you want a plan that best suits your needs.
The purpose of auto insurance is to provide liability coverage for property damage, bodily injury, collision, comprehensive, medical expenses, rental car reimbursement and towing. Essentially, it is designed to protect you against financial loss in the case of an automobile accident.San Antonio Car Insurance
We continuously work to provide the individual coverage you require when it comes to protecting your car. We offer a thorough plan that covers you and your passengers, your automobile, as well as any legal liability if you are the responsible party in the event of an accident.
Car Insurance In San Antonio
State law in Texas requires all drivers to carry a form of car insurance that will provide liability coverage at a minimum. San Antonio drivers must pay for the damages and injuries from accidents they cause, so a good starting point when seeking car insurance is to get in touch with Ed Cuellar and ask about Auto Liability.
This type of car insurance San Antonio will pay to repair or replace the vehicle of the other driver involved in the collision, as well as paying for their medical expenses. An important factor to take into account when purchasing coverage is the requirement to meet the following policy limits:
$25,000 for property damage
$30,000 for each injured person
$60,000 for injuries per incident
At Ed Cuellar, we offer policies to ensure you are able to meet state law requirements surrounding San Antonio car coverage. While these limits are the basic requirement, it may not cost you much more per month to increase those limits and give you added peace of mind in case you are sued by a lawyer for an accident for which you were at fault.
Get The Car Coverage You Need
While Texas law only requires you to have liability, it is wise to invest in additional types of car insurance in order to help protect yourself financially. In San Antonio, you need to be able to pay for any injuries and damages from an accident you cause, but what about your own vehicle and medical bills?
Collision Coverage
If your vehicle is damaged due to an accident in which you were at fault, in which you hit a fixed object, or overturn your ride, then this coverage will help cover the damages incurred.
Other than Collision
This type of coverage will help with damages caused to your car in incidents that did not involve another car. This can include damage caused by something out of your control, such as hail denting your car or vandalism.
Uninsured/underinsured Drivers
According to the Texas Department of Motor Vehicles, roughly 20% of drivers in Texas are uninsured. If you were to be involved in an accident caused by these drivers, then this type of coverage can protect you from damages.
We offer a wide range of auto coverage that will help you meet your needs. Take a look at our brief guide for more information on the different coverage we provide.
Homeowners Coverage
Your home is perhaps your largest financial investment. Let us help you find the best policy!
San Antonio Homeowners
You know what they say – there’s no place like home. Your home is one of your most important investments, so it’s important that it is properly covered against any damage, natural disasters, and theft from burglary. Additionally, most mortgage holders will require you to have homeowners’ insurance coverage if you want to buy a home.
San Antonio Home Insurance
A home policy will serve to protect one of your most valuable assets, giving you the coverage you need, along with the peace of mind you desire. Choose a policy that is just right for your needs by taking personal circumstances into account. Our agency can help you come to the right decision for your needs.
How Does Home Insurance Protect Me?
Your homeowner’s policy will cover damage to your home and personal property due to a range of causes. This can include threats such as accident, fire, and theft. The right coverage will ensure that your belongings are also replaced at their full value. Ideally, your coverage will also include accidents that may occur on your property, so you are not held liable.
When it comes to purchasing a home policy, there is one important thing to keep in mind. You will want a replacement cost for a home, rather than to a cash value policy on your property.
Additional Coverage For Homeowners
Damage to your home always happens when you least expect it, so you want to be sure that you are covered for any eventuality. While basic homeowners may seem enough for your needs, most property owners don’t realize that they actually require more coverage.
Valuable Collections
If you own a valuable collection, then it may be necessary to obtain a separate policy or endorsement. This is because replacement cost coverage on the contents of you home will not always cover the full amount of expensive items, such as valuable collections. Take the time to understand valuable property schedules to ensure you are fully covered.
Jewelry
Just as with valuable collections, some homeowners’ policies limit the loss of particular items. This can include very high priced jewelry items, so discussing endorsements is always a good idea. You may even find that the policy limits or excludes the loss of certain items in the event of theft, even if these would be covered in the case of a fire.
Home Business
If you routinely work from home or have a home-based business, then be sure to speak to one of our representatives to ensure you receive the appropriate coverage. Typically, homeowners’ policies only cover a limited amount of equipment or supplies that are related to business. Adding a simple endorsement to your current policy may be the answer.
By not taking certain factors into consideration, homeowners could be putting themselves and their family at greater financial risk than is necessary. Speak to one of our advisors today if you would like to receive more information on the type of coverage that is best suited to your needs.
LIFE
Protect your Family and their future and get coverage For You & Your Loved Ones.
Free Quote Online Today!
Life Insurance
When it comes to protecting your family, it’s essential that you plan ahead. Buying life insurance offers you a way to provide your family with financial security, so you can help them cover a variety of costs and expenses from medical bills to funeral costs, rent or mortgage, and several other living expenses.
Even in your absence, life insurance allows you to continue to meet the needs of your family. This is of particular importance if you are the primary earner in your household. When you buy a life insurance policy, consider coverage that meets you life, needs, and concerns.
Why Do I Need Life Insurance?
It’s easy to see why people often overlook life insurance. Death is not an easy thing to think about, but it’s something that’s important to plan for. You never know what can happen in life. Life insurance is designed to help protect those that you love and their future.
In the event of your untimely death, your family will be dealing with several expenses and financial issues. Without life insurance, where would your family stand? Would they be able to cope with not just your loss, but also the financial impact of your loss? Would they still be able to pay the rent or cover mortgage payments?
These are eventualities that you need to plan for, for the sake of your loved ones. While you can’t put a dollar value on your family, you can help to ensure that their future and financial security remains protected. Getting the satisfaction of knowing that your loved ones will always be protected is worth the expense. And in most cases, it’s not even as much as you think.
Life Insurance You Can Rely On
There are various life insurance policies you can opt for. It’s important to take each coverage type and their benefits into consideration. It’s about finding a policy that will best meet the requirements of you and your family.
The best policy for you will likely depend on your current situation. For example, you may be looking to buy life insurance to protect your business, as well as your family. If you want to ensure that your business keeps running in the event of your death, then life insurance can provide the required help to your partners, employees, and heirs.
You may find that whole life insurance is the best option for you, or you may feel that term life insurance would better suit your needs. Term insurance will provide cover for a set amount of time, which will suit the majority of consumers, but not everyone. Not only will you want to choose the right type of policy, but you should also determine a policy amount. This should keep your financial obligations in mind. We can provide you with the information you need to help you come to the right decision.
Give your family one less thing to worry about in the event of your death, by providing financial security to those who matter most to you. Speak to one of our advisors to find out which life insurance will best suit your needs.
Ed Cuellar is excited to announce a New Partnership
with IWG (Independence Wealth Group)!
This partnership will allow us to better serve YOU, our clients, with access to life insurance products and, if needed, investment advice. They are fully independent, like Falcon Insurance, which means they find the best companies that fit your needs, not ours.
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