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Leave Us a Review

Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.


Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.

What our customers say about us...

Profile photo of Eva Banda

Eva Banda

April 15, 2026

5  out of  5
rating by Eva Banda
"Erika is very attentive, and always help me in my concerns and when I need some paper works for our business, she answer immediately. Very good service"
We responded:
"Thank you, Eva so much for your wonderful review! We're thrilled to hear that Erika has been so attentive and quick to help with your concerns and paperwork. Providing excellent service is our top priority, and it's great to know that Erika is making such a positive impact for your business. We truly appreciate your kind words and look forward to continuing to support you!"
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Bethany Christensen

April 14, 2026

5  out of  5
rating by Bethany Christensen
"Personal communication"
We responded:
"Thank you so much, Bethany for the 5-star review! We're glad you found our prices reasonable. We look forward to continuing to provide great value and service to you!"
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Tiffany G

April 10, 2026

5  out of  5
rating by Tiffany G
"Nicole is really the best! She is very attentive and helped me choose the best options for coverage. She made the experience way easy over than I was expecting. Thanks for all your help!! Highly recommend!"
We responded:
"Thank you so much, Tiffany for your fantastic review! We’re thrilled to hear that Nicole provided attentive support and made choosing the best coverage options easy and stress-free. Your recommendation means a lot to us! We’re always here to help whenever you need. Thanks again for trusting us!"
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Isabella Tavolacci

April 9, 2026

5  out of  5
rating by Isabella Tavolacci
"Nicole is amazing and does her job perfectly she is very exceptional!"
We responded:
"Thank you so much, Isabella for your kind words! We’re delighted to hear that Nicole’s exceptional service made such a great impression. We’re lucky to have her on our team, and we appreciate you recognizing her hard work!"
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J C

April 6, 2026

5  out of  5
rating by J C
"I had a really bad experience with another agent at a different office, I called this office and was lucky enough to interact with Daniel. Daniel handled the situation with the utmost professionalism and kindness. He worked within my budget while making sure I had the coverage I needed. I never felt like I was being sold, it felt like I was being educated on the different coverages but I was always in the drivers seat. I was on the phone with him for close to an hour and he was patient with me every step of the way. I upgraded from regular auto coverage to a health policy because of his service. He’s an amazing representation of a great insurance agent and what you can expect when you interact with Carmel Larios’ office and State Farm. #teamdaniel"
We responded:
"Thank you so much, JC for sharing your experience! We’re incredibly proud to have Daniel on our team and thrilled to hear how professionally and patiently he guided you through your options. It means a lot that he could help you feel informed and confident every step of the way. Your trust in upgrading your coverage is the best compliment Daniel and our office could receive. We truly appreciate your kind words and your support of #teamdaniel and Carmel Curiel Larios’ office. We’re always here to provide the same great service whenever you need us!"
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Chris Brinkman

April 6, 2026

5  out of  5
rating by Chris Brinkman
"I have been working with Nicole Urdiales for a long time and she has been a great resource for me and primarily the reason I stay with State Farm"
We responded:
"Thank you so much, Chris for your continued trust and loyalty! We’re thrilled to hear that Nicole has been such a valuable resource for you over the years. She truly appreciates your kind words and looks forward to supporting you for many more years to come!"
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Adrian Tapia

April 1, 2026

5  out of  5
rating by Adrian Tapia
"I have multiple policies with State Farm and I have had a Great experience over the years working with Carmel and her Team. Nicole always answers any questions I may have and she is always very helpful, she keeps me up to date on any changes happening on my policies and is a great agent to work with."
We responded:
"Thank you so much, Adrian for your kind words and continued trust in Carmel and our team! We’re delighted to hear that Nicole has been so helpful and attentive in keeping you informed. It’s always our goal to provide you with the best service possible, and we truly appreciate having you as part of the State Farm family!"
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Wendy Ponzo

March 31, 2026

5  out of  5
rating by Wendy Ponzo
"Nicole Urdiales helped us make adjustments to our home policy. She was quick to respond, very helpful, and easy to work with. There were multiple parties involved, so her attention to detail and fast turnaround were very much appreciated. Highly recommend!"
We responded:
"Thank you so much, Wendy for your wonderful review! We’re so glad Nicole could assist you quickly and effectively, especially with multiple parties involved. Her attention to detail and dedication truly make a difference. We appreciate your recommendation and look forward to continuing to support you!"
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Sharon McKenzie

March 30, 2026

5  out of  5
rating by Sharon McKenzie
"I am so impressed with how Nicole handles my account. Besides notifying me of any premium increases, she even calls when premiums go down! What is most significant though, is that she is extremely personable, and understanding of any concerns I may have. She is a great listener and willing to discuss any issues I might have."
We responded:
"Thank you so much, Sharon for your thoughtful and kind review! We’re thrilled to hear how attentive and personable Nicole has been in managing your account. She truly cares about keeping you informed and addressing your concerns. Your feedback means a lot to us, and we’re grateful to have you as part of our State Farm family!"
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Debbie Deas

March 28, 2026

5  out of  5
rating by Debbie Deas
"Nicole is wonderful. Always answers any questions immediately. Very good at her job."
We responded:
"Thank you so much, Debbie for your kind words! We’re happy to hear that Nicole is always quick to respond and providing excellent service. We truly appreciate your feedback!"
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Luis Quevedo

March 27, 2026

5  out of  5
rating by Luis Quevedo
"Muy buenas atención,muchas gracias Especialmente a Erika excelente servicio"
We responded:
"¡Muchas gracias, Luis por tus amables palabras! Nos alegra mucho saber que Erika te brindó un excelente servicio. Siempre estamos aquí para ayudarte con la mejor atención. ¡Gracias por confiar en nosotros!"
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Yazmin Acosta

March 19, 2026

5  out of  5
rating by Yazmin Acosta
"“I recently got full cover insurance through State Farm, and the experience was excellent. My agent Nicole Urdiales was patient, explained every option clearly, and helped me choose coverage that actually fit my needs. The process was quick, and the rate was better than what I was paying before. Highly recommend them for anyone wanting honest and straightforward services”"
We responded:
"Thank you so much, Yazmin for your wonderful review! We’re thrilled to hear that Nicole provided clear, patient guidance and helped you find coverage that truly fits your needs. It’s great to know the process was quick and that you’re getting better value. We truly appreciate your recommendation and look forward to continuing to serve you with honest and straightforward service!"
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Joseph Sullivan

March 12, 2026

5  out of  5
rating by Joseph Sullivan
"Nicole works in Carmels office and is awesome!!! I have been with State Farm for about 40 years and she is one the best people i have dealt with. She always follows through and helps me work through solutions so I can be covered and within budget. Thank you!"
We responded:
"Thank you so much, Joseph for your incredible loyalty and kind words! We’re so happy to hear that Nicole has been such a reliable and helpful part of your experience over the years. She truly values your trust and is dedicated to finding the best solutions for you. We appreciate you being part of the State Farm family and look forward to supporting you for many more years to come!"
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rich wong

March 10, 2026

5  out of  5
rating by rich wong
"Always great service and information from Nicole."
We responded:
"Thank you so much Rich! I am happy to hear that Nicole always provides you with great service. We are always here to help! "
Profile photo of Chris Ratto

Chris Ratto

March 7, 2026

1  out of  5
rating by Chris Ratto
"I was with Kathy Crim for many years and she was AMAZING. When my account was transferred to Kathy's office, she called and introduced herself and the team. Kathy reached out on a regular basis to check in. ZERO communication from Carmel or her team since Kathy retired. When I reached out to find out what needs to be done to add another person to my policy it took Carmel's office almost THREE DAYS to return my call. And it gets even worse - on Feb 26, I happened to look at my online account and noticed a car was added to my policy that I don't own and they removed my Accord from my policy. When I called Carmel's office, I was told "Corporate" replaced the vehicle on the policy and there was no record of who completed the transaction. They escalated the change "to corporate". Now almost 9 days later, the car is still on my account and I am being billed on my policy for the new car. WHY I'm even more FRUSTRATED - I called State Farm Customer Service line on March 7th and it turns out that the person who added/issued the policy change to my account was in Carmel's office. The people in her office are covering their mistakes by blaming it on corporate!!!! Thank goodness Customer Service is available. I have ZERO TRUST in what I am being told from Carmel's office!!!"
We responded:
"Dear Chris, Thank you for sharing your concerns. First, I want to sincerely apologize for the frustration and confusion you’ve experienced during this transition period. I completely understand how important clear and timely communication is, especially when it comes to your insurance policy. To clarify, I am temporarily assigned as the servicing agent for Kathy Crim’s book and am not authorized to solicit or initiate contact with customers. Our approach is to assist customers promptly when they reach out to us, which is why I was concerned to learn that your calls and messages were not being received properly. Once you brought this to our attention, I worked closely with the company to correct the phone message system issue, which has now been resolved. Regarding the policy changes, please understand that while we do our best to submit and process your requests quickly, the final updates are handled by the company and can sometimes take additional time. I have also coached my team to focus on one customer at a time to ensure accuracy and to clearly communicate the process and timelines with each customer, so there are no surprises. We value the trust you placed in Kathy Crim’s office over the years, and we are committed to providing you with the same level of care and service. If you have any remaining questions or concerns, please do not hesitate to reach out directly, and I will do my best to assist you. Thank you for your patience and understanding. Warm regards, Carmel "
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Anne Stephens

March 4, 2026

5  out of  5
rating by Anne Stephens
"Carmel has been a delight all these many years. Thank you for everything. Anne"
We responded:
"Anne, Thank you so much for your kind words! It has truly been a pleasure working with you over the years. I’m grateful for your trust and support, and I look forward to continuing to assist you with your insurance needs. If there’s ever anything you need, please don’t hesitate to reach out. Warmest regards, Carmel"
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John

February 21, 2026

5  out of  5
rating by John
"Shout out to Nicole!"
We responded:
"Thank you, John for your positive feedback! We’re glad to hear you found our pricing reasonable. I’ll be sure to pass along your shout out to Nicole—she’ll really appreciate it. If you ever have any questions or need assistance, please don’t hesitate to reach out."
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Dan Needham

February 19, 2026

5  out of  5
rating by Dan Needham
"Nicole has been my "go to" person at State Farm. She is extremely helpful answering questions and helping with policy changes."
We responded:
"Thank you, Dan so much for your kind words! We’re thrilled to hear that Nicole has been a reliable and helpful resource for you. We appreciate your trust and look forward to continuing to support you with all your insurance needs."
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Jane

January 25, 2026

5  out of  5
rating by Jane
"Nicole has great customer service. She answered all of my questions thoroughly and honestly. She was very kind and always willing to help me. I think she needs a raise :))))"
We responded:
"Jane, Thank you so much for your kind words! We’re thrilled to hear that Nicole provided you with excellent service and was able to assist you so thoroughly and kindly. We’ll be sure to pass along your wonderful feedback—and who knows, maybe she’ll get that raise! 😊 We truly appreciate your support and look forward to helping you again in the future."
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Daniela Duarte

January 18, 2026

5  out of  5
rating by Daniela Duarte
"Want to tell you how much I appreciate Nicole!"
We responded:
"Daniela, Thank you so much for your kind words! I’m thrilled to hear that you appreciate Nicole. We’re lucky to have her on our team, and your feedback means a lot to us!"
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Linda Woosley

December 29, 2025

5  out of  5
rating by Linda Woosley
"Nicole is very helpful and pleasant to talk to when I call in with any concerns. Thank you Nicole. Happy New Year’s to all."
We responded:
"Happy New Year to you, Linda! Thank you for your kind words. I’m thrilled to hear that Nicole was able to provide you with the service you deserve."
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Linda Helman

December 10, 2025

5  out of  5
rating by Linda Helman
"Use Nicole Urdiales for all of your insurance needs! She will ensure your experience and needs are customized to the perfect fit for your peace of mind. 5 STARS!!!!!"
We responded:
"Thank you, Linda, so much for the fantastic recommendation! We’re thrilled to hear that Nicole was able to provide you with personalized service that gives you peace of mind. Your 5-star rating means a lot to us, and we’re grateful for your trust. Please don’t hesitate to reach out for any of your future insurance needs!"
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Sarah

November 25, 2025

5  out of  5
rating by Sarah
"I worked with Brenda Franco. She was a pleasure to work with. Both professional and very friendly. Easy to work with and very attentive. She was able to get all the documents needed from previous years and this year for my mortgage company. It was a very smooth transaction. I loved working with her."
We responded:
"Thank you, Sarah, so much for your wonderful feedback! We’re thrilled to hear that Brenda provided you with friendly, professional, and attentive service. It’s great to know she was able to smoothly handle all the document requests for your mortgage company. We appreciate your kind words and look forward to assisting you again in the future!"
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Aiden Doyle

November 22, 2025

5  out of  5
rating by Aiden Doyle
"Nicole is the best. If there is a problem she will jump right on it and finds a solution. She’s very good at giving clients feedback so they don’t feel forgotten. I was vey impressed with how well she works with the underwriters."
We responded:
"Thank you, Aiden, so much for your kind words! We’re delighted to hear that Nicole’s responsiveness, communication, and collaboration with underwriters have made such a positive impression. Ensuring our clients feel supported and informed is very important to us, and your feedback truly means a lot. We appreciate your trust and look forward to continuing to assist you!"
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Amanda Dawson

November 13, 2025

5  out of  5
rating by Amanda Dawson
"Nicole is always available for any of our needs, as well as keeping us current with policy rates or adjustments. She is so friendly and helpful!"
We responded:
"Thank you, Amanda, for your wonderful feedback! We’re so glad to hear that Nicole has been friendly, helpful, and proactive in keeping you informed about policy rates and adjustments. Your satisfaction is our priority, and we appreciate your trust in us. Please don’t hesitate to reach out if you need anything else!"