Tiffin Ohio Car Insurance

If you live in the Tiffin area and are searching for car insurance, you’ve come to the right place! You’ve probably seen many car insurance commercials on TV and have been bombarded with billboard ads on your way to work, but you’re probably still asking yourself who can I trust? We believe that trust should be earned and that you should do your research before making any purchases, especially when it concerns your personal risk management planning and insurance needs. The Roger Smith Insurance Agency is an independent insurance agency based in Tiffin, Ohio and we’re here to help you first by listening, and then by giving you choices!

Why work with us?

Being the premiere independent insurance agency in Seneca County Ohio, we feel that we should go above and beyond when it comes to serving our clients. (You can see how happy our clients are by visiting our Testimonials page) We differentiate ourselves in a few different ways. The top three areas that we focus on when it comes to car insurance choices are;

  • Companies
  • Coverage
  • Flexible Payment Plans

Because we are a Tiffin Ohio based independent insurance agency, we are able to offer both regional and national insurance company solutions for your car insurance. We offer you free multiple quotes on your car insurance with a multitude of different insurance carriers, which is how we make car insurance shopping easy! We know that you love your family, and to a lesser degree you probably care about your car, mini-van, pickup truck, or station wagon. While we don’t expect you to feel all warm and fuzzy about your car insurance coverage, you should still be comforted to know we’re a trusted Seneca County agency, with many competitively priced & reliable companies ready to protect you, your loved ones and your vehicle. Our agents will explain your coverage options in a way that you can actually understand! We shop around through different car insurance companies to find you the best coverage for your situation while making sure to find you the most discounts we possibly can. Here are a few that could apply to your situation…

  • Discounts:  multi-car, homeowner, good student, claims-free and more We make auto insurance shopping easy:  Call us today at (419) 447-9900 for your quote by phone or submit your info on-line. It’s simple!

When you work with one of our insurance agents, either face to face in our Tiffin Ohio office, over the phone, or even chatting online, you will receive the same world class service that you have come to expect from the Roger Smith Insurance Agency. In fact, we believe that when it comes to your car insurance and other insurance needs, we are the one stop shop that works hard to work around your schedule, listen to your needs, offer advice, get you protected, and get you back to living your life because insurance shouldn’t be a concern after you’ve become our client! We don’t want you spending hours online shopping around with different insurance companies, or trying to obtain multiple car insurance quotes from captive insurance agents in the area, we would rather save your time and money that you can never get back.

We’ve worked hard to be the best insurance agency in Tiffin Ohio and we will work just as hard for you, to find you the best car insurance coverage on the market that also fits your unique needs. You know that you aren’t the same as the neighbor down the road and we won’t approach your insurance needs in the same way either, instead we will listen to your needs and help you design an insurance plan that addresses those needs and covers you in as many areas as possible when it comes to your unique situation. If you don’t believe us, feel free to reach out to one of our many clients, or check out our testimonial page by clicking here.

Understanding Your Car Insurance Coverage…

Your actual policy contract contains your actual coverage. The information below is only a guide, but we’d be happy to take a look at your current policy to ensure that your coverage lines up with your insurance objectives. We want to make sure that you walk out of our office knowing that we listened to your needs, gave you adequate choices, and ultimately understanding your car insurance coverage.

Bodily Injury / Property Damage Liability

This is the most important coverage. It protects you against possible financial disaster if you cause injuries to other drivers and their passengers or others property. Ohio’s state minimum liability limits are 25/50/25 This means that each injured person is covered up to $25,000 and the most that will be paid to all injured persons is $50,000, and $25,000 for property damage to others per incident. (Note: There is a very good chance that this will NOT be enough coverage in the event of an accident) We offer up to 250/500/100 for split limits or 500 CSL (Combined Single Limit means you have one blanket of coverage to be used up however the damages divide per accident, 500 CSL means you have $500,000 in coverage per incident). For an added layer of liability protection & security you can add a Personal Umbrella policy. Umbrella policies are available from 1 million in extra coverage and up. A 1 million personal umbrella policy would add an extra layer of coverage over and above your auto and home liability limits. In general for 2 cars and 1 home you may have an est. premium of only $150 / year for this added protection. Give our Tiffin Ohio location a call today if you’d like to talk further about your coverage options.

Medical Payments

Regardless of fault, this coverage pays medical costs for you, your passengers injured in your car and for your family members injured in any car.

Uninsured/Under-insured Motorists – Bodily Injury

This coverage pays you the amount you are legally entitled to recover for injuries to you, family members and other passengers in your auto caused by hit-and-run drivers, by drivers without (or with insufficient) coverage, and by drivers denied coverage by their insurers. NOTE: You can purchase up to the limits of your Bodily Injury Liability on your policy

Uninsured Motorists – Property Damage (UMPD)

If you car gets damaged by a driver without insurance, this coverage will pay to fix your vehicle. Limits very by company, usually they will pay up to $7,500 with a $250 deductible. This coverage does not apply to hit skips (hit skips are covered under collision), the other driver must be at the scene. NOTE: You do not need this coverage if you carry “Collision Coverage” on you vehicle.


This coverage pays (minus your deductible) to repair damages to your car caused by a collision with another vehicle, upsetting or rolling over, or slamming into a stationary object – whether you are at fault or not.

Other than Collision or Comprehensive

This broad coverage pays (minus your deductible) for a wide range of non-collision losses to your car. Theft, glass breakage, vandalism, fire, flood, explosion, riot, hail, windstorm (we know those tend to show up in Seneca County), and falling objects are covered, as well as hitting a deer or any other animal and a host of other situations that could occur during your everyday drives. Note: Collision coverage is not required on your vehicle in order to purchase this coverage, so it would typically save you money to add on comprehensive coverage to vehicles that you currently are not driving or possibly a classic car that you are restoring. That are many options when it comes to your car insurance coverage, so be sure to chat with one of our friendly agents to learn more about what we can do for you!

Rental Reimbursement or Extended Transportation

This coverage will pay to rent a car while yours is being repaired after a covered loss. This feature also applies if your car is stolen. You must carry Collision and Other than Collision in order to obtain this coverage. This coverage is offered per day/per incident. Usually $20/$600, $30/$900, or $40/$1200.

Towing and Labor / Roadside Assistance

You may add this popular roadside assistance coverage to your policy if you carry Collision and Other than Collision coverage. This coverage is usually available in $50 or $75 coverage per incident or it may be a sign/drive program.

Loan/Lease Gap

In the event of a total loss, this coverage provides payment if the actual cash value of your vehicle is less than the amount you owe on the original lease or loan. There may be a 25% cap on how much a company will pay based on the actual cash value of your vehicle at the time of loss.

We Can Help!

The Roger Smith Insurance Agency is here to serve you and the entire Tiffin Ohio community. If we can help you make a more informed decision on your car insurance, don’t hesitate to call us today at 419-447-9900!