Your Car is Your Freedom. Don’t Let One Accident Take It Away.

Most people don’t realize they’re underinsured until they’re standing on the side of the road. We provide a custom "auto shield" that protects your family and your finances, so you can drive with total peace of mind.

Are You Risking Your Life Savings for a "Cheap" Monthly Premium?

In the world of 15-minute online quotes, it’s easy to find a low price. But "cheap" insurance usually comes with a hidden cost: massive gaps in your coverage.

Most drivers face three major frustrations:

The Call-Center Ghost: When you have a wreck, you don’t want a robot or a representative in another country. You want a local expert who knows your name.
The Fine-Print Trap: Many cut-rate policies have limits so low that a single multi-car accident could result in a lawsuit that targets your home and savings.
The DIY Confusion: Trying to figure out "Comprehensive" vs. "Collision" on your own is a recipe for disaster. You shouldn’t have to be an insurance expert just to buy a policy.

You shouldn’t have to cross your fingers every time you pull out of the driveway.

We’re Your Neighbors, Not a National Call Center.

At SMA Insurance, we believe you deserve an advocate, not just an algorithm. For over 30 years, Steve Meleleu and our team have helped Texas and Tennessee drivers navigate the road safely.

As independent agents, we don't work for one big insurance brand—we work for you. We shop the most trusted carriers in the country to find the best possible price without ever sacrificing the coverage that keeps your family safe.

Three Simple Steps to a Protected Workforce

The Coverage Audit

We look at your current policy to find the "hidden holes" that put your assets at risk.

The Custom Comparison

We shop our network of top-rated carriers to find the best value and highest protection.

Drive with Peace of Mind

You hit the road knowing that if the worst happens, you have a local team ready to jump into action.

Protect Your Family. Secure Your Savings.

With the right Auto Insurance shield, you stop worrying about the "what ifs" and start enjoying the drive.

The Success: Imagine the peace of mind knowing that if a distracted driver hits you tomorrow, your car is repaired correctly, your medical bills are handled, and your personal savings are locked tight. You have a local agent who answers the phone on the first ring.
The Failure: Without a tailored plan, a single accident could lead to years of debt, a lost vehicle you can't afford to replace, and the stress of fighting a giant insurance company all by yourself.

Everything You Need for the Road Ahead:

Liability Protection: The essential shield that protects your assets if you're at fault in an accident.
Collision & Comprehensive: Coverage to repair or replace your vehicle after a crash, theft, or Texas hailstorm.
Uninsured Motorist: Crucial protection for when the other guy doesn't have the insurance he’s supposed to.
Medical Payments: Ensuring your family’s healthcare costs are covered immediately after an accident.
Towing & Rental: We keep you moving even when your car is in the shop.

Stop Guessing and Start Driving Protected.

Don't wait for a claim to find out you have the wrong coverage. Let’s build your shield today.

What others are saying

"Insurance can be confusing, and these guys can break it down for you!"

"As a small business owner, I've used SMA Insurance Services for both my businesses and I would do so again in a heartbeat. Steve and Vic are fantastic at customizing a policy for your specific needs. They are great about explaining what types of coverage you need or don't need. Insurance options can be confusing, and these guys can break it down for you!"

- Becki B

"We were able to dramatically lower our monthly premium while enhancing our coverage."

"I can't recommend SMA Insurance enough! The team did a great job supporting our small business in our liability insurance and worker's comp needs. We were able to dramatically lower our monthly premium while enhancing our coverage."

- Katie F

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"I have used SMA Insurance Agency for auto, commercial, & residential coverage for more than 20 years. At one point, I switched our personal auto coverage to a relatives new agency as a favor. They made a mistake on my wife's birthday causing a significant cost increase. I returned our auto coverage to SMA at a considerable savings and will be with his agency until we die."

- Kirk W

Meet the Team

Steve Meleleu

Steve founded SMA Insurance Services in 1998 to help people find clear, dependable insurance coverage that truly fits their needs. With over 30 years of experience, Steve is a trusted guide for both personal and commercial insurance.

Senior Executive - Consulting

Victor Lauersdorf

Vic's expertise in national security and logistics, honed over years of military service, now guides his approach to educating clients on insurance matters and navigating complex market landscapes.