Insurance » Auto Insurance Reviews » Smart Financial Auto Insurance Review
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Smart Financial Auto Insurance Review

Smart Financial gathers quotes from a variety of insurance providers, so you can make comparisons and find the right policy for your needs.

You can trust the integrity of our unbiased, independent editorial staff. We may, however, receive compensation from the issuers of some products mentioned in this article. See how we make money.

In this Review

What is Smart Financial?

Smart Financial is a car insurance comparison site. The company aims to simplify and streamline the process of buying car insurance. In addition to car insurance, the site search engine allows you to find home, life, health, commercial or rental insurance.

The website gathers quotes from a variety of insurance providers, so you can make comparisons and find the right policy for your needs. All you need to do is complete the straightforward application with answers to a few questions and Smart Financial will gather the details you need to make a comparison.

However, if you would prefer to speak to a person about your car insurance options, Smart Financial has a team of trained insurance assistants to provide phone support. This is an additional feature that is not typically available with a digitally focused business and the personalization makes this a great choice for a variety of people.

After you find a suitable policy, you can purchase online, by phone or in person.

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Insurify Rating

4.8/5 stars (+3600 reviews)



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Search Through +200 Insurance Companies

Smart Financial aims to help you to find the insurance provider best suited to your needs. You’ll start the policy application process by answering some basic questions to determine the type of insurance you’re looking for.

The site then searches through over 200 insurance companies including Nationwide, Blue Cross Blue Shield and Liberty Mutual to find real time options matching your ideal coverage. The site also searches for all the available discounts. This entire process takes as little as three or four minutes.

Bear in mind that Smart Financial is not an insurance underwriter. This company doesn’t allow direct application from its site. Instead, you will be connected to the insurance company matching your needs. The site links you to each insurer’s website, allowing you to connect with an agent and complete the process.

Smart Financial does not charge consumers a fee for this service, as it takes a commission from its insurance partners when you sign up for a policy.

Benefits and Drawbacks of Smart Financial

As with any company, Smart Financial has potential benefits and possible drawbacks. It is important to be aware of both the positives and negatives before you decide to use the service. This will help you to make an informed decision. 

The entire application process takes less than five minutes. So, it provides a rapid answer to your car insurance queries and you can gauge the best deals in minutes.

The Smart Financial website is also packed with additional consumer resources. There are lots of helpful articles about different insurance topics including how the COVID pandemic can impact insurance coverage and protection.

Smart Financial doesn’t actually provide specific quotes. Instead they match you with insurance companies. So, while it may collate the best deals, you won’t be able to fully explore your options without connecting with the appropriate insurer.

When you do connect with an insurance company, you will need to re-enter your details to get an actual quote. This can be a little frustrating, when there are other comparison sites that eliminate this step.

While you may be searching for car insurance, it is nice to know that Smart Financial can also offer quote comparisons on other types of insurance. 

This could be a fantastic time saving tool for all your insurance needs.

You can also use the site to search for insurance agents via company name, zip code or city. 

This is a handy tool if you need help finding insurance agents in your local area or you’re struggling to remember an agent's details other than the company name.

Unlike other comparison sites, Smart Financial does not allow you to select your contact preferences.

When you agree to use the site, you are agreeing to having your contact information shared with insurance agents and marketers. So, you may get unwanted phone calls, when you prefer to deal via email or vice versa.

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How to Apply For a Quote on Smart Financial?

Step 1:

You can start the quote process on the Smart Financial website. The home page allows you to select which type of insurance you’re looking for.

Smart Financial application process step 1 (1)

Step 2:

Once you select “Auto” you’ll be directed to a page to select the vehicle year:

Smart Financial application process step 2

Step 3:

You will then need to select the vehicle make. The popular makes are listed, but if yours does not appear, there is a drop down box to find additional car brands. You can then search for the vehicle model or click the box from the list of popular models from that manufacturer.

Smart Financial application process step 3

Step 4:

There is then the option to add a second vehicle and qualify for a discount of up to 25%.

Smart Financial application process step 5

Step 5:

Next, click if you are currently insured, whether you’re a homeowner and supply your date of birth. Smart Financial also asks you to confirm your gender, marital status and whether you’ve had any at fault accidents or DUIs in the last three years.

Finally, supply your name, address, whether you’ve served in the military and your email address and phone number. Smart Financial will then perform a search and compile a list of insurance policies that are best suited to your needs.

Should You Consider Smart Financial?

Smart Financial is a great option to begin the process of comparing car insurance quotes. While there are other comparison sites that provide actual quotes, Smart Financial does provide a link to a comprehensive list of insurers. The site will even search for current offers and deals. So, you may find that you gain access to offers that are not available elsewhere.

The great thing is that this entire process takes just a few minutes. So, you won’t need to waste a great deal of time.

Additionally, the Smart Financial website is packed with resources to help you to make informed insurance decisions.

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Smart Financial is an insurance shopping platform rather than an insurer. This means that it does make commission by providing leads for its insurer partners.

This does mean that if you shop for a quote on the site you may receive calls from multiple insurers. There have been some complaints about spam calls and messages, but Smart Financial will respond to these issues if you log a complaint.

Smart Financial aims to match its customers with the best insurance product that meets their needs. It uses the information you provide to generate sales leads for insurance partners.

This can be a good way to access multiple quotes without needing to repeatedly provide your details, like similar comparison tools. However, there are some complaints about spam messages and multiple calls.

Smart Financial does allow you to obtain multiple quotes for your car insurance, but you do need to wait for insurers to contact you directly, which can be time consuming and frustrating. If you decide to go ahead with a policy, there is no guarantee that you won’t continue to receive calls and emails from other insurers.

Gabi has a more streamlined service, but it is mainly geared towards comparing quotes with your current policy. While there is an option to state that you don’t currently have insurance, the focus is on comparison with existing policies. However, unlike Smart Financial, you can proceed directly from the displayed quote to buy a policy, which makes it a quicker service.

Like QuoteWizard, Smart Financial connects you with insurers within its network of partners. You are not able to view quotes for comparison, instead you need to click through to each insurer to get your quote.

Smart Financial does provide access to phone support if you have any queries and the initial forms are quick to complete. If you’re not bothered about connecting to various insurers and completing individual forms for your quotes, either QuoteWizard or Smart Financial can handle the task with no fees or charges.

Insurify is considered by many to be an industry leader in insurance comparison. Like Smart Financial it is an easy to use, fee free service. However, you can obtain multiple quotes in a matter of minutes, so you can easily compare the deals and options. Additionally, if you like a quote, you can click through and proceed to buy a policy.

This is far more efficient than the Smart Financial approach of using your details as a lead for its insurance partners. So, unless you are happy to wait for individual insurers to contact you, you’re likely to find Insurify is a better option.


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BBB Rating Telematics is a method of measuring your driving. It's a black box or a mobile phone app that tracks how fast you drive, how quickly you brake, and whether you're a safe driver in general. It's frequently used to assist young or inexperienced drivers in obtaining lower-cost auto insurance.

Review Auto Insurance Companies


Our expert review team gathers data from many auto insurance providers in order to create rankings and estimate rates. 

Financial Stability: We analyzed each company based on industry benchmark ratings (summary table can be seen under “customer satisfaction” section) . Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company. 

Coverage: Which types of insurance are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2021) and overall ratio of those complaints to the industry average. 

In order to provide accurate and neutral information to our readers, our expert review team collects data from dozens of car insurance providers. Vehicles used include the 2017 Hyundai Sonata, 2017 Toyota Corolla, with annual mileage ranging from 10,000 and 20,000. We analyzed five credit tiers (excellent, good, very good, fair, and poor) and four types of people in different age groups. Lastly, we divided drivers to 4 categories based on safety history: Clean driving records, one at fault accident, one speeding violation, and one DUI.

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.