Home Reviews Articles About Us Privacy Policy Terms of use Partner With Us
SmartFinancial is a free online search tool that connects users to the best deals from a network of top auto insurance providers. The tool also helps users find local car insurance agents from a database of more than 100,000 agents around the country. It takes only about 3 minutes to fill out SmartFinancial’s online form and see the best real-time auto insurance rates. Once the rates are displayed on your screen, you can then click on your preferred policy to complete the application process on your chosen provider’s website.
Pros and Cons
SmartFinancial’s automated search engine hooks you up to the best rates from a network of some of the nation’s largest car insurance providers. It acts as an online marketplace in which insurers compete to offer the best deals, helping the user to quickly and easily compare rates and get the lowest premium possible for their needs.
There are many car insurance search tools out there, but SmartFinancial’s is one of the sleekest and quickest. It takes only 3 minutes to fill out the form with details about yourself, your vehicle, and your driving history. Once you’re done, SmartFinancial’s automated platform delivers results in seconds. And what’s more, the website is mobile-responsive, so you can search and re-search for auto insurance coverage while you’re on the go.
Like other marketplaces, SmartFinancial doesn’t directly sell or underwrite insurance policies. Therefore, your relationship with SmartFinancial ends the moment you select a provider from its list of results and are redirected to that provider’s website. This isn’t so much a downside but rather something that every user should be aware of.
Types of Auto Insurance
Because it works with most of the nation’s largest auto insurance providers, drivers can use SmartFinancial to find more or less any type of car insurance. These are some of the main types of coverage on offer:
Liability. Comprising Property Damage (PD) liability and Bodily Injury (BI) liability. PD covers damage you cause to someone else’s property and BI covers injuries you cause to other people when you’re at fault.
Collision. Covers repair and replacement of your vehicle when it is involved in a collision with another vehicle or object.
Comprehensive. Covers non-collision damage such as fire, flood, vandalism, theft, or hitting an animal.
Uninsured Motorist / Underinsured Motorist. Liability coverage when the at-fault driver is uninsured and underinsured and therefore can’t cover their obligations.
Personal Injury Protection (PIP). Covers expenses like medical, rehab, lost wages, and childcare when you or other passengers in your vehicle are injured in an accident.
Medical payments coverage. Covers basic medical expenses if you or your passengers are injured in a car accident, regardless of who was at fault.
Emergency roadside Assistance. Guarantees emergency assistance when your vehicle breaks down or gets stuck and you need a tire change, battery jump-start, fuel delivery, locksmith, or extraction.
Gap coverage. Covers the gap between what you owe on your car and what your car is worth when your car’s value depreciates as a result of an accident.
Rideshare Coverage. Optional add-on offered by many insurers that covers people who drive for Uber or other ride-hailing companies.Equipment coverage. Covers expenses related to loss or damage of equipment you installed yourself (as opposed to parts installed by the manufacturer).
In addition to vehicle insurance, it’s worth mentioning that SmartFinancial also offers search tools for home, renters, health, life, and commercial insurance. This is significant because some of the insurers in its network may be able to offer you lower rates for bundling car insurance with one or more additional types of insurance.
How to Apply
With SmartFinancial, users can get quotes from multiple auto insurers with one online form. To see your results, just enter the following details:
  • Zip code.
  • Vehicle information. This includes year, manufacturer, model, ownership/leasing details, purpose of having a vehicle, and approximate annual mileage. Repeat for any additional vehicles included in your auto coverage.
  • Personal information. Include your name, address, marital status, credit score, level of education, details about your home ownership (or rental if you don’t own your home), and information about your driving record. Repeat for any additional driver’s you’ll be including in your auto insurance.
Within a few seconds, you’ll be redirected to a fresh screen with a list of quotes from top car insurance companies. Select your preferred policy to be redirected to the insurer’s website, where you’ll be asked to complete an additional form before being given the opportunity to purchase the policy.
Filing a Claim
Because SmartFinancial isn’t a direct insurance provider, policy holders must file claims with the insurance company that provides their coverage. SmartFinancial connects users to a network of insurance providers, most of which allow customers to submit claims using one or more of the following methods:
  • Toll-free phone number
  • Live chat
  • Online account
  • Mobile app
Contact Details
Users can contact SmartFinancial customer support via the following channels:
  • Phone: 1. 855.214.2291, toll-free number during regular business hours
  • Email: info@smartfinancial.com
  • Mail: 1901 Newport Boulevard, Suite 300, Costa Mesa, CA 92627
Summary
SmartFinancial’s powerful search tool connects users to the best auto coverage rates from some of the nation’s top car insurance companies. The service is completely free to use, and is a more effective and less time-consuming way of comparing and securing the lowest rates than the alternative method of visiting each insurance company’s website one by one. Unlike some other car insurance marketplaces, SmartFinancial works only with relatively large companies, so you can be sure it’ll will connect you with an insurer with the financial security to offer you market-beating rates and pay out on claims.