Car Insurance In Edinburg, TX

The cost of your car insurance in Edinburg, TX, may not be as expensive as other areas of Texas, such as Houston. However, you can still save money by comparing quotes and using an agency that puts your needs first. At SafeGuard Insurance Agency, we offer coverage for anything that might affect your vehicle.

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Request a free quote from SafeGuard Insurance Agency today.

    Type of Insurance

    AutoHomeMobile HomeMotorcycle


    Insurance Close to Home

    Make getting car insurance easy by using an agency close to home. Our Edinburg car insurance is available throughout the broader Edinburg area. We offer locally-informed, personalized coverage for any potential problems you may face. Embrace peace of mind with our comprehensive coverage. Get in touch.

    Contact Us

    2204 W. Sprague St.,
    Edinburg, TX 78539

    Phone: 956-383-1911

    What is Auto Insurance?

    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. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

    What Is Covered by an Auto Insurance Policy?

    Your auto policy may include any or all of six coverages. Each coverage is priced separately.

    Bodily Injury Liability

    This coverage applies to injuries that 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.

    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.

    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 hits.


    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.


    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.

    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. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss.

    Frequently Asked Questions

    Learn more about auto insurance by exploring the answers to common questions, and then contact us for additional information.

    • Look at quotes side-by-side

      No more contacting multiple carriers to get comparable quotes. As a one-stop shop for insurance coverage, our experienced team gathers the very best deals for the customized coverage you need so you can choose from among many competitive offers. Easy-to-compare quotes and tailored coverage make getting the right insurance easy.

    • Consider more than price

      As a full-service insurance agent, SafeGuard is committed to tailored insurance solutions. No more finding quotes that offer too much or too little coverage. No more comparing quotes based only on price. Our dedicated team finds the solutions you need so you can look beyond price to get total peace of mind.

    • What factors can affect my auto insurance rate?

      A number of factors can affect your auto insurance rate. Some of the most common include the age and model of your car, your driving record, whether or not you have additional drivers on the policy, where you live, the deductible you choose and the specific coverages you select. Our insurance agents work with you to find coverage that may work with your individual circumstances.

    • Can I get discounts on my auto insurance?

      Sometimes you can earn discounts on your auto insurance premium. Examples of discounts you may be able to access include good driver discounts, student discounts, discounts for safety features and electric vehicle discounts. Our agents will work hard to identify any discounts for which you may be eligible in order to make your rate as affordable as possible.

    • How much auto insurance do I need?

      Texas requires drivers to have what is called 30/60/25 liability insurance. This provides coverage for accidents in which you are at fault in the following amounts: $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. However, you may want additional coverages, which our agents can help you explore.

    • How do I know which auto insurance coverages are right for me?

      The right coverage varies from person to person depending upon their needs. The best way to identify the coverage you need is to talk to our agents, who can help you evaluate your options when it comes to auto insurance.

    • Reevaluate your coverage with life changes

      Life happens. When it does, your insurance needs may change. What life changes may lead to insurance changes? Marriage, divorce, home renovations, purchasing or selling a house, starting a business, buying a luxury item or vehicle, getting a pet, and more. Here at SafeGuard, our professional team is ready to adapt your coverage at any time. Just give us a call!

    • Weigh the benefits and discounts

      With multiple competitive quotes to choose from, you can easily compare the benefits, discounts, and prices of each to find the very best deal. Our team uses our established relationships with carriers to get you the lowest rates and the most favorable discounts. All you have to do is consider your options to find the perfect insurance solution for you.

    • What is not covered by auto insurance?

      Auto insurance does not typically provide coverage for wear and tear and normal repairs for your vehicle. For example, new tires, regular maintenance, or engine repairs not caused by an accident may not be covered by your insurance policy. Your policy will probably also not cover the theft of personal items from your vehicle.

    • Will my auto insurance rate go up over time?

      Your auto insurance rate may go up over time. Any time you change your vehicle, residence, drivers on the policy, or other factors that influence your rate, your rate may change. In addition, your rate may go up if you receive tickets or get into accidents. Our insurance agents will work with you to help you find and keep rates as low as possible.

    • Does my auto insurance cover rental cars?

      Many auto insurance policies will cover some or all of the cost of a rental car if you need it after an accident. Your auto insurance may also offer other services, such as towing and roadside assistance. If these things are important to you, discuss them with your insurance agent to make sure you get a policy that includes them.

    Trusted Agency

    From transportation to business, health to life, clients trust us to find the insurance solutions they need. Read our success stories
    and contact an agent today to learn more about our ability to customize your quote to your requirements.

    Insurance Agency You Can Trust

    Whether you seek auto, home, life, transportation, or business insurance, or a combination of other insurance options, SafeGuard Insurance Agency provides comprehensive insurance solutions tailored to your unique lifestyle. As an independent full-service agency with various agents and locations across the Valley, we strive to provide you not just with full cover, but also with personalized service every step of the way. Our professional team is always on your side and remains dedicated to finding the best cover for your peace of mind.


    Get a Quote

      Type of Insurance

      AutoHomeMobile HomeMotorcycle