Auto Insurance
Insure your car and protect what you own if you cause an accident. We shop carriers for coverage matched to your car.
Our commitment
Committed to doing insurance right, and doing it fast. Our vision: every property and project properly covered in minutes, with every rule followed.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
What this policy can cover
Liability to others
Injuries and property damage you cause driving, the part state law requires.
Your car
Collision covers crash damage. Comprehensive covers theft, glass, fire, and hitting an animal.
Uninsured motorists
Your injuries when the at-fault driver has no insurance or not enough.
Medical payments
Smaller medical bills for you and your passengers regardless of fault.
Why is the liability half the part that matters?
Because the damage to your own car has a ceiling and the damage you do to other people does not. Medical bills, lost wages and a defense can run well past what a car is worth, and the liability limit is the only thing standing between that and everything else you own.
When does a personal policy stop covering the car?
The moment the car starts earning. Delivery, rideshare and most business use are excluded on a personal auto form, and the exclusion is discovered at the claim rather than at the quote. If the vehicle is how you make money, it belongs on a commercial policy.
For every kind of driver
- Commuters who want limits that match their assets
- Households adding a teenage driver
- Owners of older cars doing the coverage math
- Anyone whose rate crept up year over year
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Driving records for everyone in the household
- The vehicles, their value and how they are used
- Annual mileage and where the car is garaged
- The liability limits and the collision and comprehensive deductibles
- Prior insurance history and any gap in coverage
Coverages that pair with this
Homeowners Insurance
The structure, everything inside it, and your liability as the owner of the place it happened.
Umbrella Insurance
Extra liability limit sitting above the home and auto policies you already carry, for a fraction of what raising each one costs.
Renters Insurance
Your belongings and your liability in a building whose policy covers the landlord rather than you.
Questions we get asked
How much liability coverage should I carry?
State legal minimums are low compared to what a serious accident actually costs. If you own a home or have savings to protect, higher limits usually cost less than people expect, and they are what stands between a bad accident and your assets. We quote a few limit levels so you can see the difference.
What deductible should I pick?
The deductible is the part of a claim you pay yourself. A higher one lowers your premium but means more out of pocket after a loss. The honest test is what you could comfortably pay tomorrow. We will show the premium at more than one deductible.
Do I need comprehensive and collision on an older car?
It depends on the car's value against the premium plus deductible. At some point the math stops working, and liability-only becomes reasonable. We will run that math with you rather than sell coverage you do not need.
Does my policy cover rental cars?
Your liability and, if you carry them, collision and comprehensive usually extend to a rental in the US. Gaps like loss-of-use charges exist, which is why the counter offers a damage waiver. We will explain what your specific policy does before you decline it.
Will a ticket or accident raise my price?
Usually yes, for a few years. Different carriers weigh driving history differently though, which is exactly where a broker helps: when your record changes, we re-shop the market for you.
Does this policy cover rideshare and delivery gaps?
Personal policies generally exclude driving for an app. That window needs rideshare coverage.
Does this policy cover business use of the vehicle?
A car used mainly for work may belong on a commercial auto policy.
Does this policy cover wear and mechanical breakdown?
Brakes, transmissions, and maintenance are not insurance losses.
Does this policy cover intentional damage?
Damage you cause on purpose is never covered.
Can you write this where I live?
We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Start your quote online.
Fill in one short form or call us. No broker fees.