Insurance protection that addresses your needs from Smart Options Insurance Agency, LLC.
We Take Pride in Putting Your Needs First
We take pride in putting your needs first, while serving you with honesty and integrity. By taking a service-oriented approach to insurance, we go the extra mile to find the right coverage to ensure your peace of mind. Because protecting what matters most to you is what we’re here for.
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Smart Options Insurance Agency, LLC
We are an independent insurance agency with one priority—you. Our over 20 years of experience means we can help you find comprehensive insurance coverage to address your needs and give you the protection you deserve. We’re the smart option for your insurance.
Insurance alone only gets you so far. That’s why having the right insurance advisor and advocate by your side is essential. We’ll be there for you when you need, answering and addressing any questions or concerns you have. By listening to you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable.
The Solution to Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what Smart Options Insurance Agency, LLC does best.
Smart Options Insurance Agency, LLC + Trusted Choice
We strive to uphold Trusted Choice’s long-standing commitment to service.
We have over 20 years of experience in the insurance industry, helping our clients with their coverage.
You get comprehensive coverage backed by personalized customer service and dedication to you.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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How can Smart Options Insurance Agency, LLC help?
Contact Smart Options Insurance Agency, LLC
As an independent agency, we are here to help you find the right coverage.
14050 N 83rd Avenue, Suite 290
Peoria, AZ 85381
We are licensed to serve clients in Arizona and over four other states.