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.

Contact Us Today
We Are Ready When You Are
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.
Testimonials
What Our Clients Say
- Joy Bradley
Jodie was refered to me by a friend. I contacted Jodie and told her my situation. She set up an appointment with me right away. Her... read moreJodie was refered to me by a friend. I contacted Jodie and told her my situation. She set up an appointment with me right away. Her staff was instrumental also. My Insurance was running out by the 1st and we got signed up and registered for the 1st!Jodie is very professional, very nice and knows her business! I would refer her to everyone I know for sure! read less
Sarah VazquezGreat experience with Jodie! After a change in employment and needing to get health coverage from the Marketplace, Jodie was a lifesaver. I tried filling the... read moreGreat experience with Jodie! After a change in employment and needing to get health coverage from the Marketplace, Jodie was a lifesaver. I tried filling the application out myself but had questions. She helped me fill it out correctly and get a good deal, answering my questions along the way. Thank you!! read less
Steve CymbalistaJodi and the staff are AWESOME..... They go out of there way to help and make sure you are getting the best deal and... read moreJodi and the staff are AWESOME..... They go out of there way to help and make sure you are getting the best deal and insurance for your needs... read less
- lynn Even
I was referred to Jodi by a friend. She was just amazing to work. I was able to meet with her the same day, and she... read moreI was referred to Jodi by a friend. She was just amazing to work. I was able to meet with her the same day, and she handled my insurance selection and sign up in one phone call. I will definitely call Jodi again and highly recommend her. read less
Kim ZachJodie was very helpful with our Medicare applications. She invested a lot of time on the phone and with email making sure I understood all of... read moreJodie was very helpful with our Medicare applications. She invested a lot of time on the phone and with email making sure I understood all of our options. She is very knowledgeable and passes that on to her clients. We are definitely please with the service she offers. We feel fortunate to have her as our insurance agent. read less
Neil BlockVery professional and well informed on every aspect of our meeting. I would highly recommend them to everyone and I can't thank them enough for making... read moreVery professional and well informed on every aspect of our meeting. I would highly recommend them to everyone and I can't thank them enough for making my choices easy and understandable. The BEST read less
- Michaela Foster
Trying to navigate all of the Medicare offers was daunting until Jodie walked into the picture she broke everything down she had the expertise to help... read moreTrying to navigate all of the Medicare offers was daunting until Jodie walked into the picture she broke everything down she had the expertise to help me get the coverage that was best for me! I could not have managed this without her help and her kindness she was a breath of fresh air and I am grateful to her. All I can say is if you need help selecting the Medicare product that's right for you call Jodi she's the miracle worker! read less
Cyndee DellJodie is so knowledgeable about the industry as a whole and that is what impressed us from the beginning. Informative and thorough, we highly recommend... read moreJodie is so knowledgeable about the industry as a whole and that is what impressed us from the beginning. Informative and thorough, we highly recommend this agency. read less
- John von Dohren
Very positive experience. I had literally scores of people trying to be my Medicare provider. Somehow Jodie stood out, and took the time to... read moreVery positive experience. I had literally scores of people trying to be my Medicare provider. Somehow Jodie stood out, and took the time to explain everything in detail and walk me through the process. Highly recommend! read less
Christine JuberJodie has been great to work with; very well informed, professional, and knowledgeable about current Medicare plans and options. She made the process easy for... read moreJodie has been great to work with; very well informed, professional, and knowledgeable about current Medicare plans and options. She made the process easy for me and saved me days of painful research! I’m a fan!! read less
- Ruth Ryberg
Jodie has been very helpful throughout the process of selecting a Medicare plan for my husband and me. She has a relaxed attitude and patiently... read moreJodie has been very helpful throughout the process of selecting a Medicare plan for my husband and me. She has a relaxed attitude and patiently explains our options. I have recommended Jodie and this company to friends preparing for Medicare enrollment. read less
Matt StollJodie was indispensable to me deciding at age 65 what Medicare or Advantage plan to take my first year. We decided on a plan that was... read moreJodie was indispensable to me deciding at age 65 what Medicare or Advantage plan to take my first year. We decided on a plan that was widely accepted by most all local pharmacies and hospitals. You need help muddling through all the insurance jargon Jodie is the one who will guide you through it for the best result ! read less
- April Ross
I walked in anti insurance because I didnt feel I needed it or could afford it being self employed. Now, I've had health insurance for... read moreI walked in anti insurance because I didnt feel I needed it or could afford it being self employed. Now, I've had health insurance for 3 years! Jodi is very helpful and knowledgeable. What a blessing it was to walk into her office that day. read less
April BenderI walked in anti insurance because I didnt feel I needed it or could afford it being self employed. Now, I've had health insurance for... read moreI walked in anti insurance because I didnt feel I needed it or could afford it being self employed. Now, I've had health insurance for 3 years! Jodi is very helpful and knowledgeable. What a blessing it was to walk into her office that day. read less
jody distefanoJodie-Enenbach Moreno (an Independent agent) is everything we were looking for in an insurance agent. We had always been insured through an employer and were... read moreJodie-Enenbach Moreno (an Independent agent) is everything we were looking for in an insurance agent. We had always been insured through an employer and were totally lost when we found ourselves in need of finding our own policies. Jodie stepped in and navigated the very complicated Health Care Insurance system for us with ease. We would have been extremely lost and confused without her. What a relief it was to have Jodie's help.Since that time, my husband has transitioned to Medicare and we again turned to Jodie for assistance. Anyone who has been through that process is aware that you can easily be overwhelmed with the paperwork and mail you receive, and the staggering number of policy choices. Again, Jodie so very easily, found for us, a perfect fit, tailored especially for our own personal needs. She saved us hours of stress and hassle. We simply could not be more pleased.Wholeheartedly, we recommend Jodie Enenbach-Moreno to anyone for help with their insurance needs. She is competent, professional, well-versed on the industry, compassionate, caring, always available and most importantly, was looking out, strictly, for us, the clients. She stated over and over that all she wanted was to find a policy that suited OUR needs. Incredible, rare, first-class, unbeatable customer service. read less
- Susan Bousquet
Jodie is always on top of our insurance plans and will notify us of any changes and upcoming important information. She treats you with respect... read moreJodie is always on top of our insurance plans and will notify us of any changes and upcoming important information. She treats you with respect and not like a number but an important client. Would highly recommend her! read less
Wendy HughesInsurance decisions are difficult today. As my husband and I have a bit of time to wait until we can be covered by Medicare, yet... read moreInsurance decisions are difficult today. As my husband and I have a bit of time to wait until we can be covered by Medicare, yet are retired, we needed advice. Jodie has been invaluable to us! She is a wonderful source of knowledge and is just a phone call or email away! I feel we've found a life long resource. Thank you, Jodie! read less
Jenise BrownSmart Insurance took the pain out of buying insurance for our company, if that can be possible these days. Our Agent, Jodie, is a very... read moreSmart Insurance took the pain out of buying insurance for our company, if that can be possible these days. Our Agent, Jodie, is a very knowledgeable and valuable resource when trying to evaluate your insurance costs and benefits. She is able to fit you with the best plan for your needs, is very organized and really does most of the leg-work for you. She sifts through all the different options helping to eliminate plans that just aren't a viable solution. Jodie made recommendations at the year-end to move us to a better plan, cost effective while still providing the same or better benefits. She then takes it to the next level and works with your employees to get enrolled. I can't say enough about her services. Thanks Jodie!! read less
- Shawn Smith
I first met wth Jodi a couple years back when I wasn't working and needed health insurance advice. she helped me out so much not only... read moreI first met wth Jodi a couple years back when I wasn't working and needed health insurance advice. she helped me out so much not only by lining me up with health insurance but she made things seem so much more clearer. as most know health insurance is a sticky thing to dip into, at least for me it was. at the time i was 19 and on my own, literally on my own, no parents just my sister and I. Jodi had open arms and sat down with me and made sure I was set right. She took the time and effect to make sure I walked out her doors squared away and with a smile of my face. I would recommend anyone to get in touch with Jodi! Thank you for everything you have done for my family and i Jodi! read less
david clarkExcellent knowledge and follow thru. Very personable and patient in explaining details. Got us the best deal for my mother-in law and my wife. She... read moreExcellent knowledge and follow thru. Very personable and patient in explaining details. Got us the best deal for my mother-in law and my wife. She is the best and I strongly recommend her. read less
- Sonny Rosenbaum
Jodie makes everything very easy when you deal with her. She has helped my family and I for several years now. We have had to call... read moreJodie makes everything very easy when you deal with her. She has helped my family and I for several years now. We have had to call her after hours, and she always took our calls and got right to work to help us out. I always recommend her to anyone looking for new or to change insurance. read less
Jill J MuellerJodie has went over and above for me and my families insurance needs. She is so knowledgeable about all the plans available and will take your... read moreJodie has went over and above for me and my families insurance needs. She is so knowledgeable about all the plans available and will take your information match you with the best plan for your situation. She has traveled several times when my dad was sick. I even called her from the doctors office to get advice! Can't say enough good things about her! read less
Elena ArmendarizJodie has helped me so much since Obamacare started. I knew nothing about insurance and I had so many questions and concerns so going to her... read moreJodie has helped me so much since Obamacare started. I knew nothing about insurance and I had so many questions and concerns so going to her for help was the best thing I could have done! She's upfront about things and explains to you in detail anything you don't understand. Plus she knows you by name and definitely makes you feel very confident that she looks specifically into your own needs. She's been a big help! Wouldn't have been able to understand this mess if it wasn't for her! Haha. read less
- Linda Kuester
Jodie has been a great help to us in figuring out our health insurance issues. With so many companies dropping out of the individual... read moreJodie has been a great help to us in figuring out our health insurance issues. With so many companies dropping out of the individual market we have done a lot of changing . Jodie is very knowledgeable about health insurance, keeps us informed on issues arising with our policy and always answers our questions. She is prompt in responding to any questions we have by phone or email. We highly recommend Jodie for help with health insurance needs. read less
Sunny SkiesWhen Nebraska Blue Cross canceled my medical insurance group, I was fit to be tied. A friend referred me to Jodie Enenbach-Moreno, and things immediately began... read moreWhen Nebraska Blue Cross canceled my medical insurance group, I was fit to be tied. A friend referred me to Jodie Enenbach-Moreno, and things immediately began to look up. Jodie’s interest, care, meticulous attention to detail, and flawless follow-up were the keys to my having replacement insurance in just a few days. I highly recommend her. read less
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.

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

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.