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."

"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"

"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."

"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!"

"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 ."

"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."

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

"My questions were handle quickly and professionally"

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

"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."