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Home > Auto Insurance - San Antonio, TX & Helotes, TX

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Short Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request ID Card for Auto Policy

Auto Insurance Information

Insurance for Drivers Throughout Texas

Serving San Antonio, Helotes and Military Communities Beyond

When looking for a car insurance policy, it is important to find an insurer who understands locality and you unique insurance needs. Since 2013, Joel Gonzales Agency has served civilians and military communities across Texas with reliable and affordable car insurance policies.

We work with your interests in heart and help you along every step of the way as you seek the perfect car insurance policy for your coverage needs. We will help you find a tailored policy as a trusted advisor.

What is Full Coverage Car Insurance?

Full coverage car insurance is the maximum amount of car insurance you can have on your vehicle. These policies are recommended for most drivers and generally include:

  • Comprehensive Coverage: Comprehensive coverage covers loss of or damage to your vehicle if caused by fire, wind, hail, lightning, falling objects, explosion, theft, vandalism and other incidents that don’t include collision.
  • Collision Coverage: Collision coverage covers loss of or damage to your vehicle if caused by a collision with another vehicle and object.
  • Liability: Liability insurance covers damages and injuries you may cause someone else while operating the insured vehicle.
  • Personal Injury Protection: Personal injury protection, or PIP, covers bodily injuries you and your passengers may suffer after an accident, no matter who is at fault.
  • Uninsured/Underinsured Motorist: This insurance covers damages and injuries that occur in an accident with another driver who is not carrying adequate insurance.

All policies from Joel Gonzales Agency come with the state required minimum car insurance you need to drive legally in your state.

Is Full Coverage Car Insurance Required in Texas?

The state of Texas does not require drivers to carry full coverage car insurance, but it does require all drivers to carry a certain amount of liability insurance to protect others on the road. Texas auto insurance requirements include:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability

Higher liability limits are available and often recommended. Keep in mind that liability insurance on its own will not cover damages to your vehicle or injuries you and your passengers may suffer in an accident.

What is Nationwide Telematics?

Nationwide telematics is a system that helps you save money through various forms of discount options. SmartMiles, for example, is a pay-per-mile program where your car insurance premiums will be calculated depending on how much you drive. The less you drive, the more you can save.

BonusDrive is a program that allows you to receive cash back when you choose a qualifying, award-winning vehicle. Your household family members can apply for this cash back, too, as well as the discounts you negotiate with your dealer.

Protect Your Vehicle Today

Our insurance professionals are dedicated to bringing you trustworthy customer service through experience and quality work. Agents licensed through Joel Gonzales Agency speak English, Spanish and Farsi for your language needs. We want you to feel right at home with a policy tailored for you. Call Joel Gonzales Agency at (210) 314-7514 to get started today.

Get a Quote

Common Auto Insurance Questions

How Does Car Insurance Work?

Drivers purchase car insurance through monthly premiums in exchange for coverage. If you need to file a car insurance claim, you will have to contact your insurance agent and a claims adjuster will investigate the damage to calculate how much compensation you will receive based on your policy.

What Car Insurance Do I Need?

In general, we recommend drivers carry enough full coverage car insurance to cover the value of your vehicle. This may mean different limits for different drivers, so get in touch with Joel Gonzales Agency today to discuss your car insurance needs.

Why is Car Insurance Important?

Car insurance is critical for everyone on the road, from drivers to passengers and pedestrians. A reliable car insurance policy will help pay for damages and injuries after an accident that you otherwise may not have been able to afford. Hospital bills are notoriously expensive, for example, as are lawsuits regarding car accidents. Make sure you have the right amount of car insurance so that you can drive without worry.

How Much Should Car Insurance Cost Per Month?

Car insurance premiums vary wildly depending on several factors, such as your location, driving record, credit score, the value of your vehicle, coverage limits and more. On average, drivers throughout the U.S. pay around $129.58 a month for car insurance. Fill out an online form to see how much you can save on car insurance with Joel Gonzales Agency.

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210-314-7514

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Contact Us

12274 Bandera Rd. #212
Helotes, TX  78023

Phone/Text (210) 314-7514 |Email:  office@joelgonzalesinsurance.com
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