The William Cantu Agency strives to provide excellent service to each customer. We also have the client's best interest in mind all the time. We offer insurance for all your needs: home, auto, life, renters, commercial, landlords, builder's risk, cancer, accident, health, boat, mobile home, and many, many more. I am also a financial representative. We offer the following financial products: Annuities, IRAs, Mutual Funds and Life Insurance.GET A QUOTE NOW
In addition to myself, I have two licensed staff, Vivian Delgado and Herminia Mesa. All our business can be conducted over the phone. If you prefer to meet your agent and have no means of transportation, I will come to you. We are open on Saturdays because our clients have informed us that they have more time on the weekends to come in and review their policies or make changes. Changes may also be made over the phone.
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Licenses/Credentials:
• Series 6 & 6.3
• Life & Health
• Property & Casualty
San Antonio Auto Insurance: Staying Insured in Tough Times
In these tough economic times, everyone's looking for ways to cutback. For most of us there are areas where we could reduce our spending to save a little extra cash, but auto insurance shouldn't be one of them. Trying to get by without auto insurance is risky business that could land you in some big trouble down the road. What if you're in an accident and have no coverage for medical expenses? Never cancel your policy or let it lapse without contacting your San Antonio auto insurance agent first.
Your auto insurance policy is there to protect you in the case of an accident. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. Your insurance can provide protection in the case of a lawsuit, if you are found liable for a vehicle accident. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
San Antonio Auto Insurance: How Much Coverage Do You Need?
If a tight budget has you rethinking your expenses, maybe it’s time to go over your policy with your San Antonio auto insurance agent. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. By going over your policy with a skilled San Antonio auto insurance agent, you can weigh your options and possibly find some potential savings.
Start by finding out how much insurance coverage you really need on your vehicle. There are minimums that the law requires you to carry. You must maintain bodily injury and property damage coverage, but the required minimums on these are not enough to offer real protection. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. The San Antonio auto insurance agent can advise you on exactly how much coverage you need.
San Antonio Auto Insurance: Finding the Savings
Once you and your San Antonio auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Ask about rental car coverage. If you have coverage on your policy that provides for a rental car after an accident, this could be costing you extra. Again, this will depend on your particular needs. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. Ask your San Antonio auto insurance agent what things you can drop from your coverage and still be adequately insured.
What kind of car do you drive? If you have an older vehicle, you might be able to drop your collision coverage. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. Keep in mind this is only for the collision portion of your policy. You will still need to have the legally required coverage, no matter what year your car is. A qualified San Antonio auto insurance company can help you crunch the numbers on the age and value of your particular vehicle to see if you can save some money.
Ask your San Antonio auto insurance agent about taking a higher deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. One of the simplest ways to keep your auto insurance rates down is to increase the amount of your deductible. Increasing your deductible can save you quite a bit of money every year. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
San Antonio Auto Insurance: There for You When You Need Help
Another possible way to find some substantial savings on auto insurance is to find out if there are any discounts available from your San Antonio auto insurance carrier. Ask about a discount if you purchase more than one type of insurance from the same company. Why not get all your policies from one place and save some money while you’re doing it? A good example of this is buying your homeowners’ or renters’ insurance from the same company that handles your auto insurance. Talk with your San Antonio auto insurance carrier about this possibility.
There are a number of other discounts that may be available from your San Antonio auto insurance company. How much do you drive? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you over 55 years old? Ask about senior driver discounts. Mature drivers are typically more responsible drivers. Sign up for a driving safety course. These refresher courses not only help improve your driving skills. but can save you some money as well. Talk with your San Antonio auto insurance carrier about the discounts they may offer.
Don’t let financial difficulties make you do without the necessities. If you drive, you need auto insurance. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified San Antonio auto insurance agent. He’s there to help you find affordable solutions. Remember that every driver’s circumstances are different, but there are things you can do. If you’re feeling the pinch of these hard economic times, talk with your San Antonio auto insurance carrier. He or she can help you find ways to save on your auto insurance and possibly ease some of the stress on your budget as well.