SmartFinancial Review 2019

BravoDollar Editor rating:

SmartFinancial aims to match you up with auto insurance carriers that will offer you the most affordable quotes for your coverage needs, as well as make beneficial connections between you and insurance agents searching for customers just like you.

About SmartFinancial (

SmartFinancial is an insurance comparison website with offices in Ohio and California. Residents from all 50 states can submit their information to start comparing quotes with many of the more than 30 auto insurance carriers and agents the company partners with. Partners include big names in the insurance industry including Allstate, National General, MetLife, Farmers, GEICO, Nationwide, Progressive, State Farm, Travellers, USAA, and more.

The award-winning website looks a lot like Insurify and, also like Insurify, provides consumers with helpful resources such as insurance information by state and a tool to search for agents using zip code, major city, or company. However, unlike Insurify, SmartFinancial doesn’t actually provide you with insurance quotes. That’s right, like many lead generation websites, SmartFinancial collects your information and provides it to insurance agents who will contact you about policies and discounts based on your information. In the meantime, you’ll be matched up with several companies whose websites you can get quotes from while you wait.

>>MORE: Read more about the best car insurance comparison sites.

Types of Insurance Through SmartFinancial

SmartFinancial works to connect you with insurance agents and companies that will provide you with auto insurance quotes.

Additionally, you can request quotes for:

  • Homeowners Insurance
  • Renters Insurance
  • Life Insurance
  • Health Insurance
  • Commercial Insurance

SmartFinancial Ratings & Consumer Complaints

SmartFinancial has an A+ rating with the Better Business Bureau, with more than 140 customer reviews and an average of 4.5 stars. Most reviews are from insurance agents who use SmartFinancial for leads, and not from insurance-buying customers; however, this could be good news for consumers because providing quality leads to agents potentially means consumers are getting help from the agents SmartFinancial matches them up with.

Of course, it’s not all sunshine and rainbows. There are more than 30 complaints, most of which are from agents who were unhappy with the leads they received. Still, it seems the satisfied reviews outweigh the complaints.
Additionally, ConsumersAdvocate gives SmartFinancial an overall rating of 8.10, focusing on Claims Satisfaction and Customer Service, Pricing and Discounts, and Financial Strength.

How to Get Car Insurance Quotes With SmartFinancial?

SmartFinancial doesn’t exactly provide car insurance quotes. Rather, like many insurance marketplaces, they work to match you with agents and coverage providers who give you quotes.

To get matched, you must provide some details about yourself and any other drivers, your vehicle, and your current car insurance if applicable. You can do this online or by phone.

Be prepared to provide basic details about yourself and any other driver, your vehicle, and your auto insurance.

  • Yourself and Other Drivers: full name; date of birth; gender; marital status; age at first license; driver’s license status; education; occupation; credit rating; home ownership; type of residence; years lived there; address; phone number.
  • Vehicle(s): Make; model; year; own, finance, or lease; primary use; daily mileage.
  • Current Auto Insurance: whether you’re currently covered; current provider; how long you’ve been covered; policy expiration date; whether you need SR-22; any incidents in last three years; levels of coverage you want.

Note that because SmartFinancial is a lead generator for insurance agents, agents can choose lead filters. This means they can filter out certain factors from their lead results. For example, if something makes you a high-risk driver to insure — say, you have a DUI or are a teen driver — some agents and companies might not get your information.

Understand that you won’t get your quotes from SmartFinancial; you’ll get them from the provider you choose after you provide additional details to complete that company’s quote process. You can see from the screenshot below that SmartFinancial will give you an estimated monthly range of how much you can expect your quotes after applicable discounts. Also note that when you provide your email and phone number, you are consenting to being contacted by SmartFinancial and/or insurance agents.

Once you provide these details, you’ll see roughly five carrier matches. At this point, you can let SmartFinancial direct you to a carrier’s website (where you’ll provide more details before actually getting your quote) or allow a licensed agent to call you.

The Pros & Cons of Buying Car Insurance from SmartFinancial


  • Quick quote application process; roughly five minutes.
  • Website packed with helpful information.
  • Ability to search for agents using zip code, major city, or company.


  • SmartFinancial doesn’t provide quotes; they match you with companies.
  • You need to re-enter your details with the company to get quotes.
  • Unlike EverQuote, you can’t choose how agents contact you; by agreeing to use the website you agree to have your contact information passed to agents and marketers.

Final Thoughts

As far as insurance marketplaces that don’t provide quotes are concerned, SmartFinancial is a fine choice for beginning your car insurance quote comparison journey. You’ll need to provide additional details to the actual insurance companies (sometimes the same details you provided SmartFinancial), but SmartFinancial’s extremely educational website makes up for the extra few minutes of applying for quotes.

>>MORE: Marketplace Review; The Zebra Marketplace Review; EverQuote Marketplace Review; QuoteWizard Marketplace Review; NetQuote Marketplace Review; Insurify Marketplace Review


Leave a comment

Leave a Reply

%d bloggers like this: