San Antonio Insurance | Car Insurance San Antonio2019-11-07T23:24:47+00:00
insurance san antonio
san antonio insurance

Who We Are

 Insurance San Antonio | car insurance | san antonio auto insurance  home Insurance | property insurance | commercial Insurance | rv Insurance.

At Falcon San Antonio Insurance Services, Inc. we are continuously working to provide the individual coverage you require. As your Independent Agent, we represent over 25 Companies to provide the insurance  policies to your specific needs and risk exposure.  The end result is an extremely competitve product. We take pride in our business and strive to be relationship specialists providing you with the total insurance solution for all your needs. Being insured with the best has its advantages. Home, Auto/Car, Commercial, RV, Motorcycle Insurance in San Antonio.

Learn More

Our Work

is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.

Here are some of the Insurance Companies we work with:


We know that you have a choice when selecting your San Antonio Insurance, that is why we go the extra mile with our customer service for our clients. We appriciate your loyalty!

Get A Free Instant Home or Auto Quote!

or call


San Antonio Insurance – What We Insure

As an independent San Antonio Insurance Agency and financial services organization, our most significant strength is our prominence and relationship with insurance companies that have a regional, national and global focus. We have worked hard to achieve prominent positions with our insurance companies. These long-term relationships enable us to better serve our clients. Often we can attain coverage and deliver services that aren’t readily available elsewhere.

Business Insurance

We have access to multiple A Rated, admitted carriers to find you the best coverage for the best price to insure your business. Whether its general liability, workers compensation, Business Owners Policy (BOP), Commercial Auto or Bond we have the experience and knowledge to handle your business insurance needs and exposure.
Please complete our quote questionnaire and we’ll have a response to you within 1 business day. If you need a quote now and it is during our hours of operation, please feel free to give us a call.

Recreational Vehicle Insurance

We offer very competitive rates on RV Insurance. Class A Motorhome, class B Motorhome, Fifth Wheel, Bumper Pull or any other form of Recreational Vehicle. Do give Falcon Insurance a call today, to get the most reasonable rates on the insurance market in San Antonio.Please don’t forget that we also insure your ATV’s, Motor Boats and Motorcycles 

Car Insurance

There are a few considerations to look at when choosing a car insurance carrier and coverage needed. All policies in Texas must carry liability insurance. It is mandatory and pays for bodily injury and property damage to others if you are found to be legally liable for the accident. However, there are other important coverages provided by the policy that are optional and you need to consider. For example, do I need to get comprehensive and/or collision coverage and what are my deductible options. Or, should I get medical insurance instead of Personal Injury Protection (PIP). Will my passengers and pets be covered as well. If you don’t know all the ins and outs just call us and we will be more than happy to help you find the right insurance coverage.

We have access to multiple A Rated, Admitted Car Insurance carriers to provide you the right policy at a very competitive price.

There are a few considerations to look at when choosing Car Insurance. A great policy covers you, passenger (pets) and of course your vehicle and any other legal liability that might arise if you have caused an car accident. So when choosing a Car Insurance Policy make sure that all important points a covered. If you don’t quite know all the in and outs, just call us we are more then happy to help you finding the right Insurance Coverage.

We have access to multiple A Rated, Admitted Car Insurance carriers to find you the best coverage for the best price.

Homeowners Insurance

We choose from multiple A Rated, admitted carriers to find you the best coverage for the best price.  Please give us a quick call for a no obligation Quote. Homeowners Insurance is required if you have a mortgage on your home.  But even it its paid off it makes sense to protect your investment from total loss due to fire or other physical damage.

Without a doubt, for most Americans your Home is the largest investment you make. Homeowners Insurance is a must and required. Make sure that this investment is secure with the right coverage from the Ed Cuellar Insurance Agency DBA Falcon Insurance. With a Home Insurance you need to make sure not only your Home is replaced, but also the content. It is quite incredible what we accumulate. Do make sure your policy provides replacement cost coverage as opposed to actual cash value.  You will get a much better settlement with replacement cost then actual cash value. We also can insure your rental properties, vacation home and vacant dwellings.

Educate yourself by calling us.

Falcon Insurance Services Inc

6812 Bandera Rd #201, San Antonio, TX 78238




November 2019

All Articles

Auto insurance provides liability coverage for bodily injury, property damage, medical expenses, comprehensive, collision, towing and rental car reimbursement.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

Your auto policy may include six coverages. Each coverage is priced separately.

1. Bodily Injury Liability

This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

3. Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

4. Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you’ll also be reimbursed for the deductible.

5. Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.

6. Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous.

If you’ve financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You’ll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto liability insurance.

If you’ve financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

Collision covers the damage to the car from an accident with another automobile or object.
Comprehensive covers a loss that is caused by something other than a collision with another car or object, such as a fire or theft or collision with a deer.
The leasing company may also require “gap” insurance. This refers to the fact that if you have an accident and your leased car is damaged beyond repair or “totaled,” there’s likely to be a difference between the amount that you still owe the auto dealer and the check you’ll get from your insurance company. That’s because the insurance company’s check is based on the car’s actual cash value which takes into account depreciation. The difference between the two amounts is known as the “gap.”

On a leased car, the cost of gap insurance is generally rolled into the lease payments. You don’t actually buy a gap policy. Generally, the auto dealer buys a master policy from an insurance company to cover all the cars it leases and charges you for a “gap waiver.” This means that if your leased car is totaled, you won’t have to pay the dealer the gap amount. Check with the auto dealer when leasing your car.

If you have an auto loan rather than a lease, you may want to buy gap insurance to protect yourself from having to come up with the gap amount if your car is totaled before you’ve finished paying for it. Ask your insurance agent about gap insurance or search the Internet. Gap insurance may not be available in some states.

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough.

Before you rent a car:

1. Contact your insurance company.

Find out how much coverage you have on your own car. In most cases, the coverage and deductibles you have on your personal auto policy would apply to a rental car, providing it’s used for pleasure and not business. If you don’t have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident.

2. Call your credit card company.

Find out what insurance your card provides. Levels of coverage vary.

If you don’t have auto insurance, you will need to buy coverage at the car rental counter. The following coverages are available to you at the rental car counter:

1. Collision Damage Waiver (CDW).

Sometimes called a Loss Damage Waiver (LDW), this coverage relieves you of financial responsibility if your rental car is damaged or stolen. The CDW may be void, however, if you cause an accident by speeding, driving on unpaved roads or driving while intoxicated. This coverage generally costs between $9 and $19 a day. If you have comprehensive and collision on your own car, you may not need to purchase this coverage.

2. Liability Insurance.

This provides excess liability coverage of up to $1 million for the time you rent a car. Rental companies are required by law to provide the minimum level of liability insurance required by your state. Generally, this does not offer enough protection in a serious accident. If you have adequate liability coverage on your car or an umbrella policy on your home/auto, you may consider forgoing this additional insurance. It generally costs about $7 to $9 a day. If you don’t own a car, and rent cars often, consider purchasing a non-owner liability policy. This costs approximately $200 – $300 per year. Frequent car renters sometimes find this more cost-effective than constantly paying for the extra liability coverage.

There is a big difference between when an insurance company cancels a policy and when it chooses not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except:
If you fail to pay the premium.
You have committed fraud or made serious misrepresentations on your application.
Your driver’s license has been revoked or suspended.

Non-renewal is a different matter
Either you or your insurance company can decide not to renew the policy when it expires. Depending on the state you live in, your insurance company must give you a certain number of days notice and explain the reason for non-renewal before it drops your policy. If you think the reason is unfair or want a further explanation, call the insurance company’s consumer affairs division. If you don’t get an explanation, call your state insurance department.

No. At Ed Cuellar Insurance we can quote you over the phone or by email. To begin coverage we can upload your application, have it underwritten and issued in a matter of minutes. Any and all documents can be sent to you by email, fax or regular mail. You can pay check by phone or credit card on line. We will indicate where you need to sign and return the application. Our goal is to make it as convenient as possible to fit your busy schedule. Of course, if you would rather come in person you can set an appointment or just drop by one of our offices. We welcome all walk ins.
For a replacement cost policy, which is the preferred way, your house should be insured anywhere from $90.00 to $125.00 a square foot.

Think of it this way.
If your home were destroyed by fire, how much coverage would you need to have it rebuilt brand new? Because you will be getting a new (replacement) home, carriers will require insurance at 100% of replacement. Therefore, a 2000 square foot home, at $100.00 a square foot, to rebuild will need to be insured for $200,000. All carriers have their own programs to determine replacement value. Your home is more than a place to hang your hat. It is a reflection of you and your financial well being. Make sure it is properly protected for all perils.

Ready to Talk?


Contact Us