Auto Insurance

A must have ally

At Smart Insurance, one of our goals is to provide our clients with exceptional car insurance at low prices. We have many years of experience in providing top of the line auto insurance. Missouri, Kansas, and Illinois drivers depend on our service and appreciate the work we do to make sure their insurance experience is as quick and easy as possible. This is why we take the time to get to know each of our clients.

Through one on one interaction, our agents are able to ascertain your car insurance needs. you'll be with multiple companies until we find you a proper price

  • Bilingual agents
  • don't you have a license? No problem, license is not required to secure a vehicle
  • Affordable Prices
  • We take licenses from YOUR country
  • General Liability & Full Coverage

If you don’t have time to call us, just answer this 10 questions and we’ll text you a quote

Useful Information

      A typical automobile insurance consists of six parts, of which at least two are obligatory and others optional, each one is sold separately and you choose the ones you need the most.       


1. Liability coverage for physical damage.


      It is a coverage that is needed when the insured driver causes physical damage to third parties. It covers both you and the other family members included in your policy, even if you are driving a borrowed car.       


      As a driver, it is important to have enough liability coverage, in some cases above the minimum required by the state, because if you are involved in an accident you can be sued for a large amount of money. If the policy does not cover the requirements, you could be left without your other assets, such as your house or savings.       


2. Liability coverage for third party property damage


        It covers both the damage caused to another person's car, as well as other structures that could collide: houses, poles, damage to the public road, etc.       


3. Protection of personal injuries or PIP (Personal Injury Protection)


        It covers the medical expenses caused by accidents to the driver who owns the policy and to the passengers who accompany it. In the event that you or your companions do not have medical insurance, the expenses of staying in the hospital can be payed with this insurance.       


4. Collision or collision coverage


        This policy covers your vehicle from damages caused by collisions with another vehicle or structure and even if it is overturned. In general, you have a deductible associated with you, the higher the deductible, the more your annual policy will be reduced.       


5. Extensive coverage (Comprehensive)


        It covers the expenses caused by other types of losses that are not shocks, such as robberies, fires, earthquakes, etc. and even in case of impact against animals on the road. As in the case of collision or collision insurance, this insurance also has an associated deductible.       


6. Coverage for uninsured motorists


        In case you are involved in an accident caused by an uninsured or hit and run motorist, this insurance will reimburse you for the expenses incurred.       


The insurance agents at Smart Insurance will advise you to choose the necessary coverage at the best price , we quote you with different insurance companies to achieve it.

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