Smart Financial Auto Insurance Reviews: Is It the Right Choice?

Unsolicited telephone call. I politely asked if they could remove me from their solicitation list and I was hung up on. I called back to the same number and a different gentleman answer the phone. When I asked him to take me off the list, he said he had just done it, but I don’t believe him. It makes me feel bad that homeowner called out the first person, even though I wasn’t going to call him out. Pitiful bottom feeding company and I hope you go bankrupt. But more importantly, I hope that every worker who agreed to do your dirty work goes bankrupt as well.

We are sorry to hear about your experience. Your phone number was sent with a request for a quote, which we then sent to three licensed agents to get you accurate quotes. These agents connected with you over the phone to go over your coverage needs. Please email your phone number to opt-out@smartfinancial. email us at [email protected] so we can add you to our internal DNC list and delete your information from our database. Thank you, The SmartFinancial Team.

I just watched a Snapchat video for Smart Financial. It was a guy who used to work at a dealership telling people how to get really cheap insurance in a way that other people don’t want you to know. Some insurance agents are upset that Smart Financial keeps sending them leads that aren’t very good. The people who answer the calls don’t know why the insurance agents are calling them. This is why! They fill out a form from snap chat thinking they are getting insanely low prices. But that’s not what they get. Instead, they get a lot of calls from different insurance agents, who pay for the leads but don’t make any money from them. Because they are only looking for cheap coverage. Bad advertising smart financial. Crappy leads. Do not fall for their scam.

We are trying to get car and house insurance quotes. I think I started on the Experian website and ended up on Smart Financial. When I put my personal information into Smart Financial, it sent me to getjerry instead of giving me insurance quotes. com—which is supposed to do the same thing! (Also, don’t use getjerry; they won’t show the quotes at the end unless you download their app.) ) Smart Financial is just a data collector, do not use if youre trying to find insurance quotes.

I just wasted $500 of my hard earned money! They gave me 13 leads for $500. and even though I told them several times not to auto-renew, they took an extra $250 from my bank account without my permission and wouldn’t give it back. The leads are horrible. Worst decision in my insrance career! I will not recommend this company to my worst enemy.

Scam for Progressive Insurance: All of the websites that SmartFinancial Insurance You get NO COMPETING Insurance qoutes.

Stay Away Junk Leads…. When I complained, they said these were wholesale leads. When I questioned the prices, they said I got all 500 leads worth of them. I recieved 10…… This company is truly BAD.

If you want to buy leads from a company that can help you get qualified leads, SmartFinancial is not a good choice. Leads are not a good health issue, bad numbers wrong contact information. You would be better off door-knocking than accruing any of SmartFinancial leads.

Smartfinancial is the worst company that you can get “leads” from. They will lie to you and steal your money. Further, if you speak out about your rights, their managers will call you back, yell at you, and make threats. My recommendation is to stay away from these scammer company!.

I had a horrible experience with this company. They require a $500 minimum deposit to start which isnt terrible if the leads were good. Because they give you a small “discount” if you work on the weekend, the first money I spent got me about 40 leads. Thirty of the leads had a bad phone number, an incorrect address, or just said, “I’ve never filled out ANY request for life insurance” or “I thought I was going to get a gift card for filling out the form.” They say you can set your own hours, but there aren’t many times you can “accept” leads. You have to take a certain number of leads every day, you can’t pick the weekends, etc., if you only want to get leads for an hour. SmartFinancial doesn’t offer refunds, so they can have people fill out fake information they get from the phone book. If it’s fake information, they won’t care and won’t give you credit for the leads. I have a lead with the name “Ifuhgjg Jdhhdhi” and a bad phone number and address, and they wouldn’t refund, replace, or return the lead. LUCKILY there was ONE person that said, they remember filling it out and were interested. That one sale, got me my money back, but literally.

The worst decision I made in 2022 was signing up for this lead generator . This is the quickest way to lose money imaginable .

UPDATE: Unfortunately, even after giving them a second chance, we still couldnt get any traction. The information was bad and the billing was still questionable at best. We have cancelled and have no intention of ever going back. I had the worst closing ratio ever with this company. I attribute that in large part to a rep that really didnt know or care what was happening. Fast forward to, “Everybody deserves a second chance. ” I have a new rep that listens and things seem to be going better. If we can actually get some traction, I will update with a higher score. If not, at least we tried. The worst leads I have ever purchased. I was promised that the leads would be real-time requests and were high-intent customers. We couldnt get anybody on the phone, because all of the contact information was bad every time. My customer service rep told me it might have something to do with how we were handling the leads. I have been working leads for over 20 years, so that would be incorrect. We then switched to live-transfer. That was an even bigger mistake. For almost every customer they sent our way, the call was dropped or the person just hung up when we answered. Again, my rep said it was our fault. Our customer service rep was not only very rude, but she also didn’t want to help us fix any problems. We finally cancelled.

Thank you for the feedback, which is important to us. As you know, SmartFinancial runs a top marketplace for comparing insurance quotes. This is where we help our partner agents connect with people who are looking for insurance. We’re proud of the fact that we give our insurance agents the most help possible. Many of them have great success with our high-quality, real-time leads. I know that our team is working with you to make things right so that we can help you write more policies. If theres anything else we can do to help, please let us know.

The worst place I’ve ever worked. All of the life insurance customers are calling about a gas card or stimulus check, and the auto insurance customers are mad because smart financial advertises $39 car insurance, which can’t be found anywhere. It’s false advertising, and most of our customers say they fill out their information on experian. It’s a very toxic workplace; they tell us to lie to customers and say that whatever extension is available is the best match for them; they don’t care about hired or transferred insurance agents; they only give you good leads while you’re in training; after that, you’ll be yelled at all day; customers will say they never asked for a call, and that the smart financial website is misleading; they have no real database they’re matching customers with. I wouldn’t recommend this place to anyone but the FBI; I thought the job was going to be raided; it’s a very toxic environment

Thank you for your review. We’ve been in business for more than ten years and work with the country’s biggest carriers. We help millions of people find cheap auto, home, life, health, and other types of insurance by putting them in touch with agents. There are employees who have done a great job for us and are still moving up in their careers here at SmartFinancial. Unfortunately not every organization is a fit for every individual. We wish you the best in your professional endeavors.

Bought leads. All I can advise is be aware of the billing and keep track of the leads

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If you’re shopping for car insurance, you may have come across Smart Financial auto insurance. But is this lesser-known provider the right choice for your needs? In this review, we’ll take an in-depth look at Smart Financial, including its coverage options, discounts, customer service reputation, and more.

Overview of Smart Financial Auto Insurance

  • Founded in 2009 and based in Houston, TX
  • Specializes in minimum/non-standard auto insurance
  • Sold online and through independent agents
  • Operates in TX, AZ, FL, GA, IL, MO, NM, OH, OK, PA, SC, TN

Smart Financial focuses on providing basic liability car insurance for high-risk drivers. It’s rated as one of the top non-standard auto insurers in the U.S. The company has an A- (Excellent) rating from A.M. Best for financial strength.

Smart Financial Auto Insurance Coverage Options

Liability Coverage

Smart Financial offers the state minimum liability coverage required. Limits typically start at:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage

Comprehensive and Collision Coverage

Smart Financial provides optional comprehensive and collision coverage. This pays for damage to your vehicle from theft, vandalism, weather, fire, or accidents.

Uninsured/Underinsured Motorist Coverage

This optional coverage protects you if you’re hit by a driver with no insurance or insufficient coverage Smart Financial offers state minimums only

No Medical Payments or Personal Injury Protection

Smart Financial does not offer medical payments or personal injury protection coverage in most states.

Smart Financial Discounts

Smart Financial offers few discounts compared to major insurers. Available discounts include:

  • Multi-car discount
  • Pay-in-full discount
  • Safe driver discount (for drivers with no accidents or violations)
  • Online purchase discount

Customer Service Reputation

Smart Financial earns mixed reviews for customer service:

  • Many complaints of very long wait times when calling
  • Difficulty getting through to a representative
  • Some customers find service helpful once connected

Response times seem to be a major downside. Support options are also limited compared to larger insurers. There is no mobile app or online chat feature available.

Is Smart Financial Worth It for High-Risk Drivers?

Smart Financial auto insurance can provide liability coverage at affordable rates for high-risk drivers unable to get insurance elsewhere. But there are some clear downsides:

Pros

  • Accepts drivers unable to get standard insurance
  • Low rates for minimum coverage
  • Available in many states

Cons

  • Extremely long phone wait times
  • Bare bones coverage options
  • Difficult claims process according to reviews

For drivers with past violations or accidents, Smart Financial may be one of few options. But the trade-off is minimal coverage and potentially frustrating customer service.

Comparing quotes from multiple insurers can help high-risk drivers find the best rate. Insurers like The General may provide similar pricing but better service reputation. Local non-standard insurers are also worth considering.

The Bottom Line

Smart Financial offers affordable liability coverage for hard-to-insure drivers. But its bare bones coverage options, limited service channels, and poor customer service reputation leave much to be desired. High-risk drivers should compare quotes carefully to ensure they get the best rate and service available to them.

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SmartFinancial Testimonial – Justin Waring

FAQ

Is Smart auto insurance legit?

Our Smart AutoCare Warranty Review Plans sold through Smart AutoCare are backed by a reputable insurance company. Smart AutoCare settles over 7,000+ claims monthly, paying an average of $5.5 million to contract holders during this time.

What kind of company is smart financial?

SmartFinancial is a team of insurance and technology experts who want to make insurance better for everyone. We educate insurance shoppers and help them find the policy they need by connecting them with insurance providers across the country.

Is good to go auto insurance legit?

Good2Go has a complaint index of 23.76 from the National Association of Insurance Commissioners, a staggeringly bad score that means Good2Go customers are nearly 24 times more likely to complain about the service they receive than at a typical insurer.

Is smartfinancial a legit insurance comparison company?

SmartFinancial is a legitimate insurance comparison business headquartered in California. The company has hundreds of reviews online from policyholders. Most reviews are positive, although some customers have had a negative experience with SmartFinancial’s comparison tool:

Is smartfinancial a good insurance company?

SmartFinancial enjoys an A+ Rating with the BBB, despite having only one review on the website. They don’t have a presence on TrustPilot. This lack of customer reviews probably points to the fact that SmartFinancial is a marketplace for auto insurers and not an underwriter in and of itself.

Who is smartfinancial?

Last Updated on May 30, 2023 SmartFinancial is an auto insurance company based in Newport Beach, California. You can use SmartFinancial to connect with auto insurance companies across the country. SmartFinancial is a digital insurance marketplace that uses proprietary technology to connect customers with the right insurance company.

How does smart financial compare insurance quotes?

To make auto insurance comparison easy, SmartFinancial separates auto insurance quotes into four categories: Minimum, Basic, Standard, and Superior. The higher the category, the more coverage you get:

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