Auto Insurance

With nearly 1 in every 7 drivers on the road uninsured, protecting yourself when driving is a necessity. While we all understand the importance of  insurance, understanding the specific types of coverage is not always easy. 

At Smith Insurance Solutions, it is our goal to help make shopping for auto insurance easy. Our expert insurance agents break down everything you need to know about your car insurance in a way that’s easy to understand. In turn, we support our customers in making informed insurance decisions, helping them to find the best policy for their unique coverage needs. 

Get started today with finding an auto insurance policy. Contact us now at 269-213-8275. Our team of qualified insurance experts looks forward to assisting you!

Auto Insurance

Why You Need Liability Insurance

Liability insurance is a vital component of your auto insurance policy. This portion of your insurance policy will cover medical and legal fees if you’re held responsible for another person’s injuries. 

Not only does liability insurance cover medical expenses, but it can also cover potential damages to property caused by an auto accident. The auto policies at Smith Insurance Solutions ensure you meet state requirements for liability insurance.

Collision & Comprehensive Auto Insurance Coverage

Many of our customers ask us about the difference between collision & comprehensive auto insurance coverage. Comprehensive care insurance helps replace or repair your car for events other than auto accidents, such as theft or damage (without collision). On the other hand, comprehensive coverage covers additional events, which may include fire, vandalism, or falling objects that can damage your car.

Comprehensive coverage is often required for leased vehicles. For individuals who own their car, this is an optional type of coverage, however, it is recommended.

Personal Injury Protection Coverage

Smith Insurance Solutions also offers Personal Injury Protection (PIP) coverage for auto policies. This type of coverage helps with medical and rehabilitation costs, as well as lost wages that are a result of an auto accident. 

This coverage is in addition to your regular health insurance, which may not cover all of your costs. The requirements for PIP coverage vary depending on your home location. If you’re not sure if you need this type of coverage, our insurance experts can help guide you and provide additional information on Personal Injury Protection coverage.

Uninsured Motorist Coverage

If you’re in an accident with someone who is not insured, you may be left without enough coverage to pay for your expenses. Uninsured Motorist Coverage helps protect you from damages and injuries, ensuring you’re not left with significant bills. This type of coverage is mandatory in many locations.

What You Need to Know About Auto Insurance

Obtaining insurance doesn’t need to be difficult. At Smith Insurance Solutions, we make it easy to obtain auto insurance quotes. Owner Terry Smith and his team of exceptional insurance agents are ready to make your shopping process simple and pain-free. During your conversation with one of our insurance agents, it may be helpful to have the following information on hand:

  • Your home zip code
  • Driver’s license information
  • Make, model, and year of your vehicle
  • Vehicle Identification Number (VIN) – You might find this on your existing insurance card (if switching from another carrier)
  • How many miles does your car currently have?

Having this information readily available will help make it faster and easier to request a Smith Insurance Solutions insurance quote. Our insurance agents will walk you through the process, helping you to find the best possible policy for your preferences and insurance budget.

Get Started with Auto Insurance Quotes at Smith Insurance Solutions

All that’s left to do now is get started! Contact us today to learn more about our insurance solutions.  You’ll speak with one of the trustworthy insurance experts, who will be available to answer any questions and concerns you may have while shopping for a policy. Call us now at 269-213-8275!