Seguro de Auto
Responsabilidad civil que protege lo que tiene, y cobertura para el auto acorde a lo que vale. Comparamos aseguradoras y volvemos a cotizar cuando su situación cambia.
Con licencia en California
Menlo Insurance Services es el nombre registrado de Opero Labs Inc. Licencia de California n.º 6020106.
Ocho corredores, un solo equipo
Nuestros ocho corredores trabajan juntos como un solo equipo de Menlo, para que pueda comunicarse con una persona que entienda su cuenta.
Corredora independiente
Tenemos nombramientos con varias aseguradoras, así que la cotización se compara en el mercado en lugar de salir de un solo estante.
Qué cubre esta póliza
Liability to others
Injuries and property damage you cause driving, the part California 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.
Para todo tipo de conductor en California
- Personas que viajan a diario y quieren límites acordes a su patrimonio
- Hogares agregando un conductor adolescente
- Dueños de autos antiguos haciendo las cuentas
- Cualquiera cuya tarifa sube año tras año
Qué cambia su prima
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
- 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
Coberturas que se complementan con esta
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.
Preguntas frecuentes
How much liability coverage should I carry?
California's 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?
Actualmente solo tenemos licencia en California. Comience una cotización si el negocio o el riesgo se encuentra en California, y confirmaremos la elegibilidad antes de que invierta tiempo.
¿Qué pasa realmente después de comenzar una cotización?
Usted responde unas pocas preguntas y un corredor con licencia de Menlo las lee, clasifica su operación y la compara con las aseguradoras con las que tenemos nombramiento. No hay emisión instantánea ni caja negra. Habla con una persona antes de que se cotice nada.
Obtenga una cotización de auto con límites a su medida
Bastan unos datos de conductores y vehículos. Nosotros hacemos la comparación por usted.