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.
The site also has resources to help you learn more about insurance. There are topics including how to find affordable auto insurance and even articles to help you with the current challenges related to the COVID 19 pandemic.
After you find a suitable policy, you can purchase online, by phone or in person.
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.
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.
2. Once you select “Auto” you’ll be directed to a page to select the vehicle year:
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.
4. There is then the option to add a second vehicle and qualify for a discount of up to 25%.
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.
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.