Did you know that there are a lot of Smart Materials on the Internet, some of which are free and others are paid, as in GumRoad and Renderosity? And if you got some, is it very easy to install them? No? Watch this video how to do it!
If I don't misunderstand you, it's quite simple: first, you look for a pack (you can find free packages or buy some), then download it and save it in a proper folder. Next, in the "File" menu, click on "Install Extension", locate the folder and click "Open". Wait a while and restart 3DCoat.