SMA Insurance

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents only work for one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

When shopping for car insurance in St Cloud, talk to your agent about increasing the deductibles on physical damage coverage to reduce your premiums Auto insurance is more affordable if you plan to pay slightly more at claim time.

Call SMA Insurance at (320) 251-3154 or talk to them in St Cloud for insurance options.

Frequently Asked Questions

• How can I find an agent in St Cloud?
• Should I raise my deductibles?
• What are minimum liability requirements in Minnesota?
• Should I carry full coverage?
• What is an SR-22 requirement?