Auto Insurance & More

We know that you are not passionate about insurance. So leave it up to us.Let Smith Insurance Group do the work for you. We can provide you with expert advice, special coverage, competitive rates and customize policies that meet your specific needs. you’ll spend less time thinking about insurance and more time persuing your passion.

Auto Coverage

AutoPeace of mind – that’s what you get when you’re insured through Smith Insurance.  With a variety of carriers, you can rest assured that we have the perfect coverage to suit your needs.  Speak with a Smith Insurance agent to discuss the options and possibilities.

Car insurance is complicated.  Below is a brief guide to make it easier for you to understand coverages available to you:

Collision – If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.

Comprehensive – If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.  Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.

Liability – There are two types of liability coverage – coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver’s license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.
Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.

Personal Injury Protection (PIP) -PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.
Many states require drivers to carry a minimum level of PIP coverage.

Medical Payments – If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.

Uninsured Motorist – These days, about 1 in 8 driversfooter note* are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.

Rental Reimbursement – This coverage, available with Collision and Comprehensive, will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident.

Roadside Assistance – This covers labor costs incurred at the place where your vehicle becomes disabled as a result of a breakdown, dead battery, flat tire and/or lockout.  You may also receive assistance if you run out of gas or become stuck in snow or mud.  If necessary, this also covers towing to nearest qualified repair facility.

Motorcycle Coverage

Smith Insurance group offers coverage for most bikes including cruisers, touring bikes, dirt bikes and bikes more than 25 years old.

We provide coverage for your specific needs, with policy options including:

  • Accessories-non-depreciated replacement cost
  • Coverage for safety riding apparel, including helmets
  • Transport Trailers
  • Bodily injury liability
  • Collision
  • Comprehensive / Theft
  • Uninsured / Under-insured Motorists
  • Medical Payments
  • 24-hour Roadside Assistance

Smith Insurance Group has been insuring Motorcycles for over years. We insure about one in every three motorcycles on the road

RV Coverage

Smith Insurance Group offers RV coverage for your specific needs, with policy options including:

  • Total Loss replacement
  • Replacement Cost of Personal Property
  • Emergency Vacation Expense
  • Disappearing Deductibles
  • Full Timer’s Coverage
  • 24-hr Roadside Assistance

Superior claims and customer service

With Smith Insurance, you can expect the best–from the time you select your policy straight through to the carrier’s outstanding support in the event you need to file a claim.  We want you to relax while we get your car back on the road.  Our representatives are here to talk to you at any time – and our carriers’ offer 24/7 support every day of the year.  At Smith Insurance, we treat you like a person, not a number.

Our carriers’ Claim Representatives receive intensive training on specialty vehicles. A representative will be assigned to process your claim from start to finish so you can be confident your claim will be handled right.  And you can chose the qualified repair shops you trust–with written guarantee on repairs made within the carrier’s network of repair shops so that you can drive away feeling protected.

Smith Insurance Group has great rates and many discounts, including:

  • Claim Free Renewal Discount
  • Homeowner’s Discount
  • LoJack Discount
  • Multi-Policy Discount
  • Paid-in-Full Discount
  • Responsible Driver Discount
  • Safety Court Discount