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11/19/2012
By: judyharris
Mary Smelser
The Harper's are very knowledgeable when it comes to auto insurance , home insurance and various Allstate Insurance policies, quotes and rates. Steve and Daniel Harper are always there to answer and questions and are a pleasure to work with. If you are looking for car insurance or home insurance in Charlottesville VA. I highly recommend this Allstate Agency.
03/23/2015
By: Rachel R.
Mims & Smith Insurance Associates
I recently had to file a claim for an accident and it was handled extremely well by Mim's & Smith insurance Association. I have never used anyone else for my insurance needs and I dont think I will ever have to.
01/25/2013
By: swimfan11
Mims & Smith Insurance Associates
I have been working with them for over 18 years! My insurance agent has been with me since college and I feel comfortable that they're doing the best they can. I know she has out best interest at heart.
01/29/2015
By: Reid Y.
Mims & Smith Insurance Associates
We have used many other insurance agencies in the past and I have to say Mim's & Smith has been the best by far. They provide great service and they are great people. I would highly recommend them.
02/24/2015
By: Kelley G.
Mims & Smith Insurance Associates
I use Mim's and Smith for my business insurance. I am very satisfied with the services they have been providing me and would recommend them to anyone looking for a good honest insurance company.
10/29/2014
By: Sam T.
Mims & Smith Insurance Associates
The staff at Mim's and Smith Insurance are really nice people, they are one of the biggest reasons I like it so much. I have been a client for many years and I do not plan on changing.
06/15/2015
By: Owen P.
Mims & Smith Insurance Associates
We are so impressed with the level of service that Mims & Smith have provided us. They call if we qualify for a new coverage and always keep us informed. I would highly recommend them.
10/03/2013
By: soccerfamily222
Mims & Smith Insurance Associates
It's been almost 5 years since we switched over to Mims & Smith. I am very happy that we did. They are very knowledgeable and put themselves second to you which is important.
09/28/2012
By: laurie.woody
State Farm Insurance
Eddy and his team have always given me great service. When we lost our home due to fire, Eddy was there within hours. I would recommend him to everyone.
08/07/2015
By: Janet Y.
Mims & Smith Insurance Associates
I love this insurance agent! They cannot compare to any others because of how amazing they are!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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