State Farm Claims Office Locations & Hours Near San Jose, CA -

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By: Chris W.
The Sherer Group, LLC
Financial Planning isn't something I'm good at... Saving money, isn't my forte! The entire aspect is daunting and overwhelming to me! I've worked with Tim for 5+ years. What is consistent is his honesty, sincerity, and transparency in what he does. With all the ugly news of our financial systems running aground due to lack of integrity and greed, Tim is a fresh breath of air. Working with Tim has been good for me because he's firm, but completely flexible with how he works with me. He's also very passionate about what he does and that passion really shines thru. In addition, the support staff always makes me feel warm and welcomed and part of the Sherer Group Family.
By: jay.cee
Farmers Insurance
Alex and her staff is very friendly and always available.  With my previous insurance company and agent, I was always miffed because I can never reach a live person. I was always talking to voicemails and automated messages. Ever switching to Alex, no matter what time of day, someone always answers and is ready to help. That is very important to me. I have my cars and homes insured with her. The mortgagees are always requesting documents and she gets back to them instantly. Ever since switching to her, I've never had a closing delayed or even worry about it. Her office is also very comfortable and inviting, but professional at the same time.
By: mcboater23
Brauer Insurance Services
"I was paying a ridiculous amount of money for my health insurance through my work. I called up Brauer Insurance and was lucky enough to speak to Steve. He immediately found a plan that saved me hundreds of dollars a month and thousands of dollars a year for the SAME health insurance company! I can't believe how much money I saved by switching. I tell everybody I know to call this guy. He provides great personal service and gets you a very discounted rate. I am very happy with this company!"
By: Estelle S.
Nicole Daman Insurance Services LLC
"I have been a long time customer of Nicole's. My first policy took effect in 2006. I am retired, and knowing I am well insured for whatever may happen in my life gives me piece of mind. Nicole has the knowledge for medicare, a supplemental, prescription, and even life insurance. I have all three from her. Nicole has me covered perfectly. Congratulations to you for achieving top 100 agents in the state. Its no surprise to me. I highly recommend her, no doubt." -Estelle, CA
By: dyl4nfan76
Brauer Insurance Services
Steve and Bonnie from Brauer Insurance did a wonderful job helping me navigate the Medical Insurance waters. Insurance is already confusing, and they took the time to help me understand the plans and what would be the best for my business. I saved several thousand dollars a month by moving to another plan within Kaiser, with basically the same benefits. I was referred to Steve by another business owner that I know, who was also very happy with he and his daughter Bonnie.
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By: moenarc60
General Liability Insurance
I've owned a business for several years and have struggled with insurance issues. I was lucky enough to meet John with Aegis Insurance. He not only saved me a TON OF MONEY and got me even better coverage than I had before, but he returned my calls right away. My last agent sold me the policy and certificate, and then I never saw him again. When I had a problem with some coverage, it took him forever to get back to me.....Give John a try, the guy is solid!!!
By: Fiona H.
General Liability Insurance
If you need help with your general liability, you've come to the right place. I own a industrial truck rental company and needed coverage for property damage, legal liability and employee-related risks. John's knowledge was near encyclopedic. His assessment of our needs was thorough, quick and easy. It's a nice change of pace to get someone who knows what they're doing, instead of beating around the bush. If you're having trouble, give him a call. Thanks John!
By: dyl4nfan76
Brauer Insurance Services
Steve has his two beautiful daughters working for him and I can only imagine what awesome things they're going to do with that business. I've been working with Steve for a few years now and not only does he bend over backwards for his customers, he 's sure to be right there with us in every crisis to make sure we get through it. Accidents do happen and Steve and family have always been there to help.It's an awesome feeling knowing you're in good hands.
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By: moenarc60
Brauer Insurance Services
This guy is a riot! He's a retiring police officer thats been doing health insurance for some time. I own a couple of businesses and he saved me thousands of dollars a month on my Medical Insurance. He's very knowledgable and creative. We changed my company to an HSA and saved a bunch of money.
By: Argele I.
Allstate Insurance Agent: Dylan Tran
Mai VO Allstate Insurance made choosing auto insurance easy for me. She reviewed my situation and provided me with different plans that fit my needs. She walked me through each plan and explained the benefits of each. I would like to call her next time when I need any insurance help.
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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