Auto Insurance

Auto Insurance

Why is it Important?

Auto insurance is required by law in most states for every licensed, legal driver on the road. Banks who underwrite auto loans usually require a certain level insurance in order to finance the purchase. Premiums vary heavily based on age, driving record, accident and moving violation history amongst other factors.

Coverage generally includes liability insurance on every policy, with sole liability being the most basic policy required of drivers. Liability insurance protects other drivers from financial responsibility for erroneous driving on your part, and vice versa.

Auto insurance provides financial protection against physical damage and/or bodily injury resulting from collisions and against liability that could also arise.

Auto insurance may also offer financial protection against theft of the vehicle and/or damage to the vehicle sustained from events other than traffic collisions like a hailstorm.

Most drivers have car insurance because it is the law, but that doesn’t mean you should only buy the minimum required coverage. The right car insurance can help protect you, your family members, your passengers and other drivers from significant costs.

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Policies are specifically designed to individuals, especially with regard to the amount of premium required for coverage. Term length for most auto policies is either 6 or 12 months long, and your insurer will notify you when it’s time for policy renewal or another premium payment. 

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

  • Bodily injury liability - for injuries the policyholder causes to someone else.
  • Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
  • Property damage liability - for damage the policyholder causes to someone else’s property.
  • Collision - for damage to the policyholder’s car from a collision.
  • Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  • Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Serving the Midwest

for over 10 years!

We believe that good relationships are built with trust, honest and open communication and delivering on our promises.


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Our Team

Meet The Experts


Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 15 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

photo by Lane Hickenbottom/Omaha Headshot Co.

Rebecca ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

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Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.