Ronnie Smith Insurance Agency

Ronnie Smith Insurance Agency Serving Lincoln Parish since 1991! Ronnie Smith Insurance Agency offers trusted, local coverage for your Commercial, Auto, Boat, RV, and ATV needs.

We do the shopping to find the best rates for your budget. Send us a message today for a free quote!

👇 WE WILL OPEN UP TUESDAY SEPT 8TH AT OUR NEW LOCATION!📍921 E GEORGIA AVE RUSTON LA
08/31/2026

👇 WE WILL OPEN UP TUESDAY SEPT 8TH AT OUR NEW LOCATION!
📍921 E GEORGIA AVE RUSTON LA

🎉 New Location, Same Great Coverage! 🎉Starting September 8, 2026, our new address will be:📍921 E Georgia Ave Ruston, Lou...
08/31/2026

🎉 New Location, Same Great Coverage! 🎉
Starting September 8, 2026, our new address will be:
📍921 E Georgia Ave Ruston, Louisiana 71270

08/25/2026

: The "Secret" Insurance Word That Costs You Thousands Most people buy the cheapest home policy. Then, they get hit with a massive bill during a claim. Always check if your policy says ACV or RCV: ACV (Actual Cash Value): Pays "Garage Sale Value." It subtracts money for age, wear, and tear. RCV (Replacement Cost Value): Pays "Retail Value." It buys you a brand-new replacement today.
⚠️The Risk: Many cheap policies cover your ROOF at ACV. If a storm hits an old roof, you pay thousands out of pocket. The 60 Second Fix: Call your agent today. Ask: "Is my roof covered at Replacement Cost?" Want me to check your current policy for free?

08/18/2026

Think twice before declining Uninsured Motorist (UM) coverage! 🚗❌With our state's high auto premiums, it is tempting to drop UM coverage to save some money. But doing that is a massive gamble. Roughly 10% to 11% of La drivers DO NOT have insurance. 🛑If you get hit by someone with no insurance or someone carrying just the state minimum you could be left holding the bill for massive medical expenses & car repairs. UM coverage protects you when other drivers fail to do their part. Plus, La law protects you: carriers cannot raise your rates for filing a UM claim if the accident wasn't your fault. 🛡️Don't risk your savings. Keep your UM active. Call us today to talk about UM Coverage!

08/14/2026

"Oh, I just love the first day of school, don't you?" 📚🎒Patty Simcox might have said it first in Grease, but all of us at Ronnie Smith Insurance Agency are feeling that exact same excitement today! Our kids just wrapped up their very first day of school! We want to wish all the students, parents, and hardworking teachers an amazing, safe, and successful school year ahead!
#2026

08/13/2026

Happy Thankful Thursday from the team at Ronnie Smith Insurance Agency! 💼👋Today, our hearts are full of gratitude. We want to take a moment to say a massive THANK YOU to our amazing clients, customers, and community. Your support allows us to do what we love every single day.We couldn't do this without you! 💙

08/11/2026

💸 : The Insurance Add Ons Most Louisianans Miss! ✨That help your budget✨ 🐊🚗
Standard home & auto policies usually leave out two major things. You have to ask for them as add Ons (called endorsements). Check your policies for these two quick fixes today:
⭐Water Backup (Home): Standard insurance covers burst pipes but not backed up sewers or drains. (This is NOT flood insurance!) It only costs a few dollars a month.
⭐Roadside Assistance (Auto): Our local roads are rough. Adding towing directly to your auto policy is usually much cheaper than a standard roadside club!

08/10/2026

MYTH BUSTER MONDAY:
Standard home insurance covers floods and earthquakes.
Think you’re covered for any disaster? Think again. Standard policies do NOT cover floods or earthquakes. 🚫🌊🌋
Floods: Rising ground water requires separate Flood Insurance.
Earthquakes: Shaking and land movement require a specific endorsement.
Don't wait for a disaster to find out you're unprotected. Let us review your policy and secure the exact coverage you need today!

08/05/2026

🚧 THE TECH DRIVE TIMELINE: Ever wonder when the orange barrels are finally leaving Tech Drive? We dug into the latest Louisiana DOTD updates for the LA 544 Overpass Replacement project! The massive $39 million modernization is officially on schedule and tracking toward a completion date in 2029. Right now, crews are building out the new retaining walls and prepping the ground for the three brand-new traffic roundabouts. The best part? The current bridge stays open while they build the new one right next to it!

08/04/2026

🚗 : The "Small Claim" Trap! 💸
Got a minor parking lot scratch or a tiny dent? Calling your insurance company right away might be a costly mistake.
Did you know? Every time you report vehicle damage, a permanent record is created. Even if the insurance company pays out $0 because the repair falls below your deductible, that reported incident can still spike your monthly premium at your next renewal! Make this smart move instead:
Get a local quote first: See what a repair shop charges out of pocket.
Check your deductible: If the cost is below or close to your deductible, pay it yourself. Paying a local shop directly today is almost always cheaper than paying higher insurance premiums for the next three years! 📉👇

Address

401 W Alabama Avenue
Ruston, LA
71270

Opening Hours

Monday 8:30am - 12pm
1pm - 5pm
Tuesday 8:30am - 12pm
1pm - 5pm
Wednesday 8:30am - 12pm
1pm - 5pm
Thursday 8:30am - 12pm
1pm - 5pm
Friday 8:30am - 12pm
1pm - 5pm

Telephone

+13182550016

Website

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