Rated 'Excellent' 4.8/5

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Insurance For Auto , Home , Flood , Business , Life And Retirement

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Accepting only Massachusetts & New Hampshire residents

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4.8/5 Rated “Excellent”

Affordable Insurance Made Easy.

Offering an easy process from start to finish for people looking for vehicle insurance covering a range of options from liability only to full coverage

Wayne Neil

The best insurance company ever….

Why Choose The Mello Agency?

At The Mello Agency, we believe in a better way to protect your assets. Unlike faceless online insurers, we provide a personal, tailored approach to home insurance. Our team is here to guide you through every step—no call centers, no automated responses, just real people ensuring you get the right coverage at the best price.

Real Experts, Not Algorithms - Speak directly with knowledgeable agents who understand your needs.
Exclusive Rates – Access prices you won’t find online, thanks to our strong relationships with top insurers.
Hassle-Free Claims Support – When the unexpected happens, we help you navigate the claims process smoothly.
Long-Term Support – We don’t just sell policies—we build relationships. Our team is here for you year after year.

HOW THE MELLO AGENCY WORKS

Get your insurance in 3 easy steps

(1) Submit Details

Fill out the application form provided. Provide accurate and detailed information about yourself, your property, or any other relevant details requested by the insurer.

(2) Get A Quotation

Carefully review the insurance quotes you receive, comparing coverage limits, deductibles, premiums, and any additional features or benefits offered.

(3) Get Covered

If your application is approved, you will receive an insurance policy document along with the premium amount you need to pay.

Why Choose The Mello Agency?

At The Mello Agency, we’re here to simplify your life insurance journey. No third parties, no selling your information—just us, ensuring you get the coverage you need without hassle. We’re focused on genuine relationships built on trust and clarity. When you reach out for a quote, you’ll talk to real people who are dedicated to understanding your needs and finding the perfect fit. You’re more than a policyholder to us; you’re part of The Mello family.

Let’s make flood insurance personal, straightforward, and centered around you.

Great value cover

Flexible insurance policies to suit your needs

Easy to use

Friendly unbiased advice from experts

Trusted claims process

Ask about our claims experience, we don't hide away from them

The Mello Agency vs Buying Online

Features

Placed With Carriers Who Actually Pay Out

Over-the-Phone Guidance

Assistance With Claims

Regular Policy Reviews

Clear, Jargon-Free Communication

Help With Complex Insurance Jargon

Long-Term Support And Service

The Mello Agency

☑️

Buying On Your Own, Online

✖️

Why get covered?

Protect Others*

Protect You & Your Family*

Protect Your Vehicle

*Always subject to the terms, conditions and limits of your policy and plan. Some benefits are not available on all options, speak to our team to discuss your options today.

Exclusive New Hampshire & Massachusetts Offers

Many advisers operate under large networks, which gives them the ability to offer financial services like life insurance. However, this often means you, the client, end up paying more for your policy due to additional fees and commissions tied to the premium. At The Mello Agency, we are directly authorized, allowing us to offer you the most affordable rates straight from the insurer. We are paid by the insurer, not by our clients.

The Ultimate Win Win: We get paid from the providers, not from our clients.
No Loaded Premiums: We offer you prices with no loaded premiums, receive the cheapest premium for your cover, without being charged more.
Whole Of Market Search: Unbiased and trusted advice, we give you what's best for you, not what's best for us.

Rated 'Excellent'

Every policy is tailored specifically to you.

Andrew Richards

The Mello agency is hands down the best company out there. I needed insurance for a commercial vehicle that I believed I personally could not insure. They were able to find me insurance at a low rate and very quickly.

Kimberly Hughes

Leslie Millos is very professional and responsive. It is a pleasure doing business with her!

John Whitney

We just transferred our auto insurance from our old car to our new car and Jennifer Dagher from The Mello Agency was fantastic! She walked us through process and actually got us a better rate than we originally thought we would get! We are very happy with the service she provided! Thanks, Jenn!!! J and S Whitney

Charissa Alanurm

Jenn with the Brian Mello agency was extremely helpful and she took the time to listen to my questions and explain how I could save money. Thank you Jenn! You went above and beyond and I appreciate your hard work helping me to understand what I needed for coverage!

Get A Insurance Quote From Real People, Who Care

Rod B

Leslie at the Mello Agency is super to work with. She gets insurance requests, changes needed and always helps me save money. She is very knowledgeable. Also super friendly and eager to help her customers. She really cares about her clients.

Jennifer Lynn

Highly recommend The Mello Agency for all your insurance needs. The entire staff is so friendly and knowledgeable. They are always quick to respond to all policy questions or concerns.

Jan Smith

Excellent service.Answered all questions. Made purchasing both home and auto insurance very easy.

Larry Lonas

We had a lot of questions about all of our insurances we get thru Mello/Allstate Insurance. Rebecca was very professional in giving us advice in what we needed to do in the process. One question she did not have an answer but got back to us the next day, as promised, with the info.
Mello / AllState lucky to have such a valuable employee representing them.

Insurance Benefits

Fully Protect Your Vehicle

Roadside assistance

Contents Coverage

Money For Repairs

Rental Coverage

Recommended By Others

Protects You & Your Family

Quick Payment

Ask Our Experts

What does vehicle insurance cover?

Vehicle insurance protects you financially if you damage your car or are responsible for injuring or damaging someone else. It can also cover medical bills if you or your passengers are injured in an accident.

What it covers

Damage to your car: Covers damage to your vehicle
Liability: Protects you if you’re responsible for someone else’s injuries or damages
Medical bills: Pays for medical bills if you or your passengers are injured in an accident
Uninsured motorist: Pays if you’re hit by a driver who is uninsured or underinsured

What it doesn’t cover

Vehicle insurance usually doesn’t cover routine maintenance, mechanical failures, or blown engines
Liability, collision, or comprehensive coverages don’t cover your medical expenses or your passengers’ medical expenses

How it works

Insurance is a contract between you and an insurance company. The numbers in your coverage refer to the maximum amount your insurer will pay out for each type of claim.

How is the cost of my vehicle insurance premium determined?

The cost of a vehicle insurance premium is determined by assessing the risk associated with the insured driver and vehicle, taking into account factors like driving history, location, vehicle type, age of the driver, credit score, coverage level, and chosen deductibles, with higher risk generally resulting in a higher premium.

Key factors influencing vehicle insurance premiums:

Driving record: Past accidents, traffic violations, and driving history significantly impact your premium.
Location: Where you live affects the risk of accidents due to factors like traffic density and weather conditions.
Vehicle type: The make, model, and safety features of your car influence the likelihood of claims.
Age and gender: Insurance companies often consider age and gender demographics in their risk calculations.
Credit score: In some states, your credit score can be used to determine your insurance premium.
Coverage level: Choosing higher coverage limits will generally result in a higher premium.
Deductible: Selecting a higher deductible can lower your premium.

How much bodily injury coverage should I have?

In Massachusetts and New Hampshire, the average bodily injury settlement from a car accident is around $50,000, but this varies significantly depending on the severity of the injuries, lost wages, and other factors involved, with minor injuries potentially settling for much less and severe injuries leading to significantly higher settlements; there is no specific “average” by vehicle type as the injury severity is the key factor.

Key points to remember:

Minor injuries:
Settlements for minor injuries like soft tissue damage or whiplash may range from $10,000 to $25,000.
Moderate injuries:
Broken bones, herniated discs, or injuries requiring surgery could lead to settlements between $50,000 and $100,000.
Severe injuries:
Catastrophic injuries like spinal cord damage or traumatic brain injuries could result in settlements exceeding $1 million.

Motorcycle Accidents:

Motorcycle accidents also tend to result in higher settlements due to the increased risk of severe injuries for riders.

Off Road Vehicle Accidents:

The average bodily injury settlement for an off-road vehicle accident can vary greatly depending on the severity of injuries, state laws, and specific circumstances of the accident, but generally falls within a range of $10,000 to $100,000 for moderate injuries, with more serious injuries potentially reaching into the hundreds of thousands of dollars.

Factors influencing settlement amount:

Severity of injuries:The most significant factor impacting the settlement amount.
Medical expenses:Total cost of medical treatment received due to the accident.
Lost wages:Income lost due to time off work due to the injury.
Pain and suffering:Non-economic damages related to the physical and emotional impact of the injury.
Liability:Percentage of fault assigned to the at-fault driver.

Do I need vehicle insurance?

Absolutely!!!

If you get into an accident without liability insurance, you will be personally responsible for all damages caused to the other party, including medical bills and property damage, which could lead to significant out-of-pocket costs, potential lawsuits, license suspension, and even criminal penalties depending on your state’s laws; essentially, you could be held fully liable for the accident and forced to pay for everything yourself.

How can i get the lowest vehicle insurance premium?

To get the lowest insurance premium, you can:

Improve your driving record: Avoid accidents and traffic violations.
Take a defensive driving course: Participate in a safe driving program.
Compare quotes: Shop around for the best rates from different insurance companies.
Adjust your coverage: Consider increasing your deductible or reducing your coverage.
Bundle policies: Combine your auto and other insurance policies to save.
Choose a cheaper vehicle: Consider the cost to insure different types of vehicles.
Take advantage of discounts: Look for discounts for safe drivers, students, and those who participate in low-mileage programs.
Consider usage-based insurance: Some insurance companies offer plans based on how you use your car.

You can also: Review your current policy, Consider your vehicle’s features, Explore payment options, and Improve your credit score.

However, you can’t negotiate car insurance rates directly with insurance companies. Each company uses its own algorithms to determine rates.

We prioritize your privacy and security.

Email: a0d8006@allstate.com
Call or Text: (603) 472-2599
Address : 132 Bedford Center Road Ste. C, Bedford
NH 03110
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