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State Farm® Insurance Agent

Mike Smith

Mike Smith Ins Agency Inc

Office Hours

After Hours by Appointment

Address

1608 Johnson Avenue
San Luis Obispo, CA 93401-3037

Cross streets of Johnson Ave and San Luis Drive near San Luis Obispo High School

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

After Hours by Appointment

Call or text us 24 hours a day!

Address

1608 Johnson Avenue
San Luis Obispo, CA 93401-3037

Languages

English, Spanish, Chinese (Other)

About me

  • Central Coast Insurance Agent since 2013

  • 13 Years with State Farm

  • A Team of 6 licensed professionals ready to serve you

  • Focusing on Transfers to California

  • Central Coast Resident

  • Offering financial services and retirement products

Frequently Asked Questions (FAQ):

Q: What's an effective way to get car insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Serving San Luis Obispo and the surrounding area, Mike can help answer your questions.

Q: How fast can I get car insurance?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. For personalized coverage in San Luis Obispo, CA, reach out to Mike.

Q: What kind of insurance do I need for a leased vehicle?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Have questions? Mike in San Luis Obispo can walk you through your options.

Q: What's included in renters insurance coverage?

A: Renters insurance helps protect the things you own if something unexpected happens. It can help cover personal belongings if they're damaged or stolen, provide personal liability protection if someone is injured, and help with additional living expenses if you're unable to stay in your home due to a covered loss. Mike works with San Luis Obispo residents to find coverage that fits.

Q: Do you need to carry insurance on your home?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Connect with Mike for insurance guidance in San Luis Obispo.

Q: How does life insurance work at a basic level?

A: Life insurance helps provide financial support to your beneficiaries and can help cover expenses like debts, living costs, or future needs. In San Luis Obispo, you can count on Mike for personalized service.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Investment Services, Annuities

Car maintenance tasks you can do yourself

To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.

Does pet insurance cover dental care for dogs and cats?

Wondering if pet insurance covers dental care for dogs and cats? Learn how different insurance plans may handle cleanings, extractions, gum disease and more.

What is refinancing and when does it make sense?

Why refinance a loan? It may make sense to reduce monthly payments or cut the interest rate, but it may have some pitfalls as well.

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My team embodies the State Farm mission. My team and I help our customers manage the risks of everyday life, recover from the unexpected, and realize their dreams. We serve San Luis Obispo and it's surrounding area including all of California! Our office provides auto insurance, life insurance, homeowner's insurance, renters insurance, and more. If you have questions or are ready to take the next step, give us a call.

Our team is trained to be honest, respectful, caring and have the highest integrity. Call in and see if you agree!