State Farm® Insurance Agent Rachel Bhan

"An 82% increase in 2025!!! I previously had a 6-month cost of $1,257.44, or monthly payment of $209.57 (but was charged $230.30/month and they have not explained why). As I understand, an at-fault parking lot incident would be 1 point. More than two years have passed with a clean record as well as mileage that decreased to 1/10 (if not even less) in the past 8 months. I had no significant increases until this year. I also checked with friends and family with State Farm in California, and they had approximately 17% - 22% increases (which CA approved), not an 82% increase! This is unique to their agency. They are stating that s previously stating that "2 full years have passed since 11/19/2022. A clean driving record with no at-fault accidents or violations is a 0 or SR. Because of this at-fault accident your driver rating should be a 6, but 2 years passed, meaning your driver record is currently now a 4." State Farm billing states that “For every 12 months since the renewal following the occurrence of a chargeable accident or the conviction of a minor violation, the initial assigned Driver Record Level for that chargeable accident or conviction shall be lowered by 1 level.” This agency is stating "Every 12-month period, your driver record would decrease by 1 point, meaning this incident will be on your driver record for 4 more years." In the state of CA, at-fault minor parking lot incident is 1 point and is on record for 3 years. This was not a traffic violation or other serious infraction that would result in a 6 rating or longer lasting record. It does not make sense that they JUST decided to raise my payments by 92% after more than two years of a clean record when I am in year 3 and back to a 0 rating. ABSOLUTELY RIDICULOUS. I have obtained four 6-month quotes with other reputable auto insurers with my record that are within $250 of my previous $1257 6-month rate and will no longer do business with Rachel Bhan."

"Rachel's team is very helpful for all of your home insurance or umbrella insurance policy needs. They are responsive to questions and do their best to get them addressed timely."

"Rachel was great to work with. She transferred a client to the State Farm I work at that was moving from California to Utah and put the customer first. Thanks Rachel!"

"Amazing insurance agent. Rachel has helped me solve issues without hesitation. She gets things done asap and is very professional!"

"Rachel and her staff have been very helpful throughout the 17+ years I have been using their services! They are responsive and always go the extra mile to make sure I have all the information I need."

"Thanks to Rachel Bhan & her team, they are fantastic insurance agents with State farm. Rachel recently helped with reviewing my homeowners policy which as I suspected was too low especially after doing two complete bathroom remodels & also with providing earthquake insurance. She is very helpful, knowledgeable, prefessional with great followup. Highly recommend her & she has a local office in Berryessa, San Jose"

"Absolutely wonderfully run Insurance office Elaina and company do a fantastic job. Rachel should be very proud of them."

"I have been with Rachel band for many many years and always experience experience. Excellent excellent customer service.. She went out of her way to go above and beyond to help me my auto needs."

"We chose Rachael Bhan as our insurance agent for both our cars and home when our agent of 25 years retired. We have been thrilled with the work Rachel and her team have done for us. They are always incredibly responsive to emails, phone calls and texts. When I was in a car accident the office was there to support me through getting my car fixed, as well as being hauled into small claims court (we won!). Highly recommend Rachel Bahn and her team."

"Rachel and her team have always provided our family excellent service during the 20+ years we have been her clients. Rachel goes above and beyond, and has always been available to assist quickly if needed. She and the team are helpful navigating the challenging times, and always there to answer questions or make updates. If you're looking for a new insurance agent, look no further!"

"Can’t say enough about how prompt Rachel and her staff have been for our family. We’ve had many situations come up and always feel well supported by her. She will even respond on a weekend! Who does that? Don’t hesitate for a minute to have Rachel as your St Farm agent. She goes above and beyond for you and she’s a nice person :)"

"Long story short, State Farm screwed up in a big way, and I almost ditched them as my insurance. Rachel, Who was not involved with the incident at hand, went out of her way to try and make things right and chase down the responsible parties. I really appreciate her diligence, dedication to this issue, and tireless pursuit of doing the right thing. Thank you so much, Rachel ."

"5 star customer care and service, friendly and professional staff , always available for help and to answer any questions. I highly recommend them for any of your insurance needs."

"In May of 2023 we added our teenage daughter to our auto insurance policy and just like the other 3 drivers on this policy they have full coverage, we requested for the same full coverage but State farm failed to add full coverage, as a customer I failed to verify the policy that was sent to me. So of course my newly trained teenager driving in the Bay Area got into an at-fault fender bender. It was then I realized the mistake that State farm made. When I spoke with Brian from Rachal Bahn's office he explained that State farm uses and afterhours underwriter and the initial request to add my daughter was finalized with them, because I didn't catch the error theirs nothing they can do, he said he reached out to Rachel Bahn and she agreed theirs nothing they can do. We've been with State farm for 20 years and pay about $400/ month for auto insurance plus what we pay for homeowners. I will now need to come out of pocket to pay for the damages. All I'm asking for them is to make this right and understand that their is no way I would add a brand new driver without full coverage. I also feel they should of question the fact that a new driver didn't have full coverage. Don't trust these people they will smile to your face but take advantage at every opportunity they have."

"Rachel Bhan and her entire team have always provided our entire family with exceptional customer service and have helped us during some difficult claims scenarios. They are the best and we appreciate each one of them so much!!!"

"I had a State Farm agent for over 25 years, and he was great. Of course, he retired and I transferred do a different agent who was not so great. After seeing Rachel's reviews, I decided to give her office a try. Sure enough, I asked a question via email, and got a response the next day. It wasn't Rachel herself, but Elaina was responsive and pleasant! I switched over immediately. I had some changes to make, and before Elizabeth made the changes, she forward me a quote with how the changes would affect my policy. I didn't ask for it, and new what the general outcome would be, but this proactivity surprised me! It's nice to know what the changes would be with a summary of the exact amount. I'm really happy to have switched over!"

"She has a wonderful staff that really keeps on their toes love you and Rachel you're the best"

"Thank you, Rachel and Elaina for the outstanding customer service you both have provided. I highly recommend this office."

"My questions were handle quickly and professionally"

"Great customer service and prompt respond. We were very pleased with Scott Dehn and the service he provided."

"Emailed Elaina with some changes to my policy, changes were made immediately and all my questions answered, Thanks Elaina Chavira 😊"

"I have been a State Farm customer for decades. A few years back my old agent retired and my policies were transferred over to the Rachel's office. I have been very pleased with Rachel's services as she has a team of highly qualified professionals who promptly answer my calls and take care of all my insurance needs in a very timely manner. Her team certainly meets my expectations. Above and Beyond: A couple of years back we had a major car accident with injuries and we were getting push backs from State Farm claim adjustors for part of the claim and were being transferred from one manager to another. This was starting to get frustrating. I reach out to Rachel directly and explained my situation. She took my concerns very seriously and immediately reached out to State Farm claim adjusters to push my claim forward. She kept her door open for me throughout this claim process to ensured I was getting all the help expected from State Farm claims. This was truly an "above and beyond" for me as most agents in her shoes would have simply just said not my problem - you deal with State Farm claims. Thank you Rachel for all the help, guidance and being on my side!"

"Wonderful! Easy to work with and very fast."

"Great, amiable customer service, and quick on claims process. I recommend Statefarm to my family and friends."

"Been working with Rachel for years, Amanda and all staff are very responsive, and offer competitive discounts. You won't go wrong with this team."