State Farm® Insurance Agent Carmel Curiel Larios
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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.
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What our customers say about us...
Joseph Sullivan
March 12, 2026
"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!"
rich wong
March 10, 2026
"Always great service and information from Nicole."
"Thank you so much Rich! I am happy to hear that Nicole always provides you with great service. We are always here to help! "
Chris Ratto
March 7, 2026
"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!!!"
"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 "
Anne Stephens
March 4, 2026
"Carmel has been a delight all these many years. Thank you for everything. Anne"
"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"
John
February 21, 2026
"Shout out to Nicole!"
"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."
Dan Needham
February 19, 2026
"Nicole has been my "go to" person at State Farm. She is extremely helpful answering questions and helping with policy changes."
"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."
Jane
January 25, 2026
"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 :))))"
"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."
Daniela Duarte
January 18, 2026
"Want to tell you how much I appreciate Nicole!"
"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!"
Linda Woosley
December 29, 2025
"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."
"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."
Linda Helman
December 10, 2025
"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!!!!!"
"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!"
Sarah
November 25, 2025
"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."
"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!"
Aiden Doyle
November 22, 2025
"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."
"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!"
Amanda Dawson
November 13, 2025
"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!"
"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!"
Owen Dawson
November 13, 2025
"Nicole is always available to answer our questions. She is also extremely diligent about monitoring our services and keeps up with regular communications in this regard."
"Thank you, Owen, so much for your kind words! We're thrilled to hear that Nicole has been consistently available and diligent in monitoring your services. Providing excellent communication and support is very important to us, and your feedback means a lot. We look forward to continuing to serve you!"
Daisy Hernandez
November 12, 2025
"Nicole was great and goes above and beyond to help , called for great news regarding insurance . Thank you Nicole"
"Thank you, Daisy, so much for your kind words! We're thrilled to hear that Nicole was able to assist you and deliver great news. We appreciate your feedback!"
Sarah H
October 24, 2025
"I’ve had policies with Carmel’s office for years and have loved working with them. Nicole is a delight to work with. She’s quick, thorough and so knowledgeable! Thank you for the quality service!"
"Thank you so much, Sarah, for your continued trust and kind words. We’re delighted to hear that you’ve enjoyed working with Carmel’s office over the years. Nicole will be thrilled to know that her quick, thorough, and knowledgeable service has made a positive impact. We truly appreciate your support and look forward to serving you for many years to come!"
JOSE FRANK TAPIA
October 22, 2025
"Been working with this state farm agent for over 2 yr... have had nothing but positive experience.Also I wanna give a big, thank you to Nicole.She has been excellent and everything that she has helped me with regarding insurance issues... Thank you very much nicole for all of your work.."
"Jose, Thank you so much for your kind words and for being a valued client for over two years. We’re thrilled to hear that you’ve had a consistently positive experience with our team. Nicole will be especially grateful for your thoughtful recognition of her efforts. We truly appreciate your trust and look forward to continuing to assist you with all your insurance needs."
Ronald Carrillo
October 3, 2025
"Wow I can’t even believe how great Nicole is! If you want to see excellent customer service this is the place! Nicole has been the best associate I have had the chance of working with throughout my years of needing insurance."
"Ron, thank you very much for your kind words. Nicole is indeed outstanding, and it has been a pleasure working with you over the years. We are delighted to have consistently provided services that meet your expectations. We sincerely appreciate your loyalty and continued support. Thank you."
Elizabeth Goldman
September 18, 2025
"Nicole helps me with both my car and home insurance policies. She makes sure I know of rate changes, answers my questions, and helps me figure out if I have good coverage on my home. I appreciate how quickly and effectively she communicates!"
"Thank you, Elizabeth! We’re so glad to hear how helpful Nicole has been in supporting both your car and home insurance needs. Her proactive communication and dedication to making sure you feel informed and confident about your coverage truly reflect the service we strive to provide every day. We appreciate your trust and kind words! With warm regards, Carmel Curiel Larios State Farm Agency "
Jeff Diaz
September 5, 2025
"I Love Carmel and her team ! am New to Carmels office and have experienced outstanding customer service. Everyone in the office is exceptionally kind, knowledgeable and professional."
"Jeff, Thank you so much for your kind words! We're thrilled to hear about your positive experience and appreciate your support. Welcome to Carmel’s office!"
Bob Plantz
August 29, 2025
"Nicole Urdiales from Carmel Curiel Larios' office called me this morning to let me know that they hadn't received the certificate of my completion of the AARP Mature Driver Improvement Course. I've been taking the course for many years, which gives me a discount on my auto insurance. It needs to be taken every three years, and she was concerned that I didn't do it this time. I had completed the course and apparently sent a copy to the wrong email address. I've been with State Farm since the 1960s. I had the same agent in Berkeley until changing to an agent in Sonoma County a few years ago. Than agent retired and my account was moved to Carmel Curiel Larios' office. The previous two were good, but they're by far the most attentive to my insurance policies. Thank you for keeping track of my policies, Nicole!"
"Thank you very much Bob for sharing your experience with us. We are truly pleased to hear that Nicole and the Carmel Curiel Larios team have been attentive and supportive in managing your insurance needs. Nicole’s prompt follow-up regarding your AARP Mature Driver Improvement Course certificate reflects our commitment to providing exceptional service and ensuring you receive the benefits you deserve. We deeply appreciate your loyalty to State Farm since the 1960s and are honored to continue serving you. Please feel free to contact us anytime should you require further assistance. Thank you again for your thoughtful and encouraging feedback."
AramayicArt
August 19, 2025
"Nichole was friendly toned and quickly transferred me to Jenny Flores. Jenny flores was bright, intellegent, softly humorous at appropriate times, she read the room well, gave efficient information in an understandable manner slowing down the density of information and breaking it down in laymen's terms. I am grateful to have had the pleasure of good customer care. Thank you for hiring people who make people feel like they matter as a whole person and aren't offended by the truth. Ps the questions below asking about whether i decided to go with state farm don't give the option for assessing other companies to price check. I didn't get full coverage today so didn't pay out any money...I can say the price I was quoted is in line with my current insurance company. Though this company offers towing to nearest...spots..for a dollar and a quarter more a month roughly which my company does not. But they do offer other things I appreciate and utilize yearly. ♥ ty for everything Jenny Flores! Your a great customer service rep and need a raise because you are a genuine diamond of the first water!"
"Thank you so much for your thoughtful and detailed feedback! We're thrilled to hear that Nichole and Jenny provided you with such attentive and clear service. Your kind words mean a lot to us, and we'll be sure to share them with the team. We appreciate your insights regarding our survey questions as well. Thanks again for choosing us and for recognizing our team's dedication!"
benjamin kane
August 13, 2025
"I’ve been with State Farm for almost 20 years and like a good neighbor State Farm is there, in khakis."
"Thank you, Benjamin. For being a loyal neighbor for nearly 20 years! We’re proud to serve you—in classic khakis, of course—and appreciate your trust in our team for your auto insurance needs. In honor of Good Neighbor Awareness Month, feel free to stop by and say hello; you’ll find us sporting our finest khakis every Friday in September!"
Anthony Wilson
August 2, 2025
"This office has the best staff - knowledgeable and professional, especially Nicole!"
"Thank you, Anthony. For your kind words! We’re proud to have a knowledgeable and professional team, and Nicole truly appreciates your recognition. We are here to provide a remarkable experience for our customers. "
j Brennan
July 25, 2025
"Thanks Nicole for such great service. Carmel is lucky to have such a great customer service team member. Nicole is always checking in throughout the year making sure everything is going well and if she can help me with any issues. Great job!"
"Thank you, J. so much for your wonderful feedback—Nicole is dedicated to providing excellent service, and we’re grateful to have her on our team! We are always her ready and willing to help. "