Carter Insurance Agency | Jeremy Carter & Matt Menke — Insurance in Carmel-by-the-Sea, California

What We Cover

Coverage built around your life

01

Home & Renters

Your home is your biggest investment. Protect the structure, what’s inside it, and your liability — whether you own or rent.

Homeowners & Condo
Renters Coverage
Umbrella & Valuables

Quote My Home

02

Auto Insurance

Coverage that fits how you actually drive — from daily commuters to the weekend garage queen — at rates worth comparing.

Liability & Full Coverage
Uninsured Motorist
Multi-Car & Bundling Discounts

Quote My Auto

Storybook storefront in Carmel-by-the-Sea

03

Business & Commercial

From the first LLC to a growing fleet, keep your business protected so one bad day never becomes a bad year.

General Liability & BOP
Commercial Auto
Workers’ Compensation

Quote My Business

Meet the Team

Insurance, with people behind it

When you call, you get us — not a call center.

Jeremy Carter, agent and owner of Carter Insurance Agency — Jeremy Carter — Carmel-by-the-Sea

Jeremy CarterAgent & Agency Owner — CA Lic. #4187910

Jeremy Carter is the agent and owner behind Carter Insurance Agency. For over a decade, he has helped individuals, families, and business owners protect what matters most — with an approach that is personal, discreet, and built on lasting relationships. The agency was founded on a simple standard: the kind of attentive, white-glove service clients deserve, from a team that treats every policy like its own.

From first homes to complex commercial risks — restaurants, contractors, auto shops, inns, and short-term rentals — Jeremy leads every client relationship with the same goal: the best coverage, at the best premium the market will offer, explained clearly and serviced for the long haul.

Jeremy CarterAgent & Agency Owner

Matt Menke — Carmel, California

Matt MenkeLicensed Insurance Producer — CA Lic. #4476998

Matt Menke has spent his whole career earning the Monterey Peninsula’s trust — first in its driveways, now in its living rooms. He came up in the family business, Larry Menke Inc., and went on to more than sixteen years serving clients at Jaguar Land Rover Monterey and the Sam Linder Auto Group. Two decades taking care of people and what they drive taught him one thing above all: in a community this tight, your reputation comes down to whether you pick up the phone and tell people the truth.

As a licensed producer with Carter Insurance Agency, Matt helps families and small businesses from Carmel and Pacific Grove to Pebble Beach and Monterey protect what matters — home, auto, renters, umbrella, and business coverage — with plain-English reviews, honest answers, and real quotes compared side by side. No jargon, no fear-selling, no radio silence at renewal.

Matt MenkeProducer — Carter Insurance Agency

How It Works

Three steps to covered

I

Reach Out

Send the quote form or call. Tell us what you need covered — it takes about five minutes.

II

Compare Options

We shop your coverage, then walk you through the options side by side — in plain English, with no pressure.

III

Get Covered

Pick the fit, sign, and you’re protected. We handle the paperwork and stay your point of contact for life.

Already a Client?

Service that doesn’t stop at the sale

Claims

File or Track a Claim

Accident, storm, break-in — call us first. We’ll walk you through your carrier’s claim process and stay on it until it’s resolved.

Call (831) 224-2141

Changes

Policy Changes

New car, new driver, moving, refinancing? Email the details and we’ll update your policy and confirm the change in writing.

Request a Change

Documents

Certificates & ID Cards

Need a certificate of insurance for a job, or proof of coverage for a lender or the DMV? Usually turned around the same business day.

Request Documents

Review

Annual Coverage Review

Rates and life both change. A free yearly review makes sure you’re not overpaying — or underinsured — as things evolve.

Schedule a Review

Client Words

Testimonials

Every word on this page will come from a real client — never written for them. The practice runs on straight talk, and so will the reviews.

— Worked with us? Share your experience

Questions

Frequently asked

Does it cost anything to get a quote?

No. Quotes are always free, with no obligation. we compare options across multiple carriers and you decide if one fits.

Will requesting a quote affect my credit?

Insurance quotes typically use a soft inquiry, which does not affect your credit score the way a loan application does.

What do I need to get a home or auto quote?

For a home quote: the property address and basics like year built, roof age, and square footage. For auto: your driver’s license and vehicle info (year/make/model or VIN). Either way, your current policy helps if you have one — five minutes on the phone usually covers it.

Can you handle both my personal and business insurance?

Yes — that’s the point of working with one local team. Auto, home, renters, and business coverage under one relationship, often with bundling savings.

What happens when I need to file a claim?

Call us first. We’ll confirm what your policy covers, help you file with the carrier, and follow the claim through to resolution so you’re never navigating it alone.

Get Started

Request your quote

Tell us a little about what you need. You’ll get a personal response — usually the same business day.

Jeremy Carter — Office(831) 717-8711 Jeremy Carter — Email[email protected] Matt Menke — Cell(831) 224-2141 Matt Menke — Email[email protected] Follow on X@mattInsuresCA Agency Office(831) 717-8711 Carter Insurance Agency7th Ave 2 NW of Lincoln, Carmel-by-the-Sea