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Profile photo of a State Farm Agent named: Carmel Curiel Larios
State Farm® Insurance Agent - Santa Rosa, CA

Carmel Curiel Larios

1400 N Dutton Ave #9
Santa Rosa, CA 95401-7100
a block north of Atrium Court on the same side of the street as our old office.
Speaking english and spanish
(707) 755-5450
State Farm® Insurance Agent - Santa Rosa, CA

Carmel Curiel Larios

About me

November is here! 🍁🦃✨ A season of gratitude, cozy moments, and new opportunities! ☕🧡 With Thanksgiving around the corner, let’s celebrate our blessings, embrace fresh goals, and finish the year strong! 🍂💪🌟

Regular Office hours: Monday to Thursday 9:00am to 5:30pm and Friday 9:00am to 4:00pm, We have Evening & Weekend available by appointment only. Our phones are forwarded at 5pm our after-hours team will take your call after that time. We have exciting news! Our office has MOVED to 1400 N Dutton Ave. #9, Santa Rosa, Ca. 95401.

**HOLIDAY HOURS: CLOSED ON 11/11/26 Honoring our Veteran's. CLOSED Thanksgiving week 11/23/26 - 11/27/26 (Only phone service available, Monday, Tuesday and Wednesday) CLOSED on Thanksgiving and Friday.

For roadside assistance please call 18776275757, for our Claims department please call 18552598568, to make a payment please do so over the phone by calling 18007828332.

We are currently writing Motorcycle insurance, Auto insurance, Car insurance, Pet Insurance, Life insurance, & Disability insurance. We are NOT able to write new, Renters, Home, Condo or Business insurance currently in the state of California.

Protecting Sonoma County for Over 24 Years – Insurance Made Personal

Protecting Sonoma County for over 24 years, we’re proud to serve individuals and families throughout Santa Rosa with insurance that’s personal, straightforward, and built around real life. Whether you’re relocating to California or reviewing your coverage, our knowledgeable, friendly team is here to help you feel confident in the choices you’re making.

We currently provide Auto insurance and Motorcycle insurance to help protect what gets you where you need to go, along with Life insurance and Disability insurance to support your long‐term financial well-being. At this time, we are not able to write new Renters insurance, Homeowners insurance, Condo insurance, or Business insurance policies in the state of California, and we believe being clear about availability is important to serving you well.

With five generations of local roots, our connection to Santa Rosa and the greater Sonoma County community runs deep. We’re licensed Life and Auto Insurance agents, and we take pride in serving our neighbors with care, consistency, and integrity. Giving back matters to us; we actively support the Redwood Food Bank and youth programs at Piner High School because strengthening our community goes beyond insurance policies.

We also offer support in both English and Spanish, making it easier for more families across Sonoma County to understand their coverage and feel comfortable asking questions. When you work with us, you’re not just getting a policy—you’re getting a team that listens, explains, and stays involved long after the paperwork is done.

If you’re looking for guidance or a personalized quote, we invite you to stop by our Santa Rosa office or reach out to connect with our team!

🍁 November is Here! 🦃🧡✨

November Awareness: Gratitude, Family Protection & Holiday Safety 🍂🏡

November is a time to reflect on our blessings, appreciate those who make a difference, and prepare for the busy holiday season ahead!

This month, we're highlighting three meaningful reminders:

Veterans Day – November 11 Honoring the brave men and women who have served our country. We are grateful for their courage, sacrifice, and dedication. To our veterans and military families—thank you for your service!

💛 National Family Caregivers Month Recognizing the incredible individuals who care for loved ones every day. Their dedication reminds us how important it is to protect and plan for the people who depend on us.

🦃 Thanksgiving – November 26 A beautiful reminder to slow down, count our blessings, and cherish time with family and friends. It's also a great opportunity to think about what matters most—our loved ones, our homes, and our future.

As we enter the holiday season, November also brings increased travel, family gatherings, cooler weather, and busy schedules. A little preparation can go a long way toward keeping everyone safe!

🍂 Why November Safety Matters (Especially for Insurance)

Even during this wonderful season of gratitude, unexpected moments can happen:

  • 🚗 Holiday travel: More vehicles on the road, earlier sunsets, and changing weather conditions.

  • 🏠 Home safety: Holiday cooking, heating equipment, candles, and decorations can increase fire risks.

  • 🛍️ Holiday shopping: Packages, gifts, and valuables may become targets for theft.

  • 👨‍👩‍👧‍👦 Family protection: The holidays remind us how important it is to financially protect those who depend on us.

  • 🌧️ Seasonal weather: Rain, slippery roads, fallen leaves, and colder temperatures can create unexpected hazards.

🧡 This November: Simple Steps to Protect What Matters Most

1) Thanksgiving Travel Safety 🚗🦃

Whether you're traveling across town or across the state to celebrate with loved ones:

  • Check your vehicle: Inspect tires, brakes, windshield wipers, and lights before traveling.

  • Plan ahead: Allow extra travel time and avoid rushing during busy holiday traffic.

  • Drive safely: Stay alert, avoid distractions, and never drive impaired.

  • Prepare for emergencies: Keep a flashlight, phone charger, water, and basic emergency supplies in your vehicle.

Coverage note: Before hitting the road, consider reviewing your auto insurance to make sure your coverage still fits your needs.

2) Holiday Home & Fire Safety 🏠🍁

Thanksgiving brings delicious meals, warm gatherings, and plenty of activity around the house!

  • Stay in the kitchen when cooking on the stovetop, and keep flammable items away from burners.

  • Test smoke and carbon monoxide alarms before holiday gatherings.

  • Inspect heating equipment and keep furniture, blankets, and decorations away from heat sources.

  • Keep walkways clear of wet leaves, clutter, and tripping hazards.

  • Secure packages and deliveries to help prevent holiday theft.

Coverage note: A quick homeowners or renters insurance review can help you better understand your protection for unexpected damage, theft, or liability situations.

3) Protecting Your Family's Future 👨‍👩‍👧‍👦❤️

November is all about gratitude, and there's no greater blessing than the people we love.

As we celebrate National Family Caregivers Month, it's a wonderful time to think about how we care for and protect our families.

Consider asking yourself:

  • Would my family be financially prepared if something unexpected happened to me?

  • Could life insurance help cover housing expenses, debts, childcare, or future education costs?

  • Have I experienced any major life changes since my last insurance review?

  • Do my current policies and beneficiaries still reflect my family's needs?

Life insurance is more than a policy—it's one way to help provide financial security for the people who matter most. ❤️

Even if you already have life insurance, a quick review can help determine whether your coverage still fits your family's goals.

4) Holiday Shopping & Small Business Friday & Saturday 🛍️🎁

As we prepare for the holiday season, let's remember to support the local businesses that make our communities special!

Small Business Friday & Saturday – November 27 & 28

  • Shop local whenever possible and support neighborhood businesses.

  • Keep purchases and valuables out of sight in parked vehicles.

  • Be cautious of online shopping scams and suspicious delivery messages.

  • Protect packages by arranging secure delivery locations when possible.

As a local State Farm agency, we're especially grateful for the confidence and support of our community. Your continued support means so much to our team!

🧡 A Season of Gratitude & Protection

This Thanksgiving season, we want to take a moment to say THANK YOU!

We are truly grateful for our customers, our community, and the opportunity to help protect what matters most to you.

As the year begins to wind down, November is a perfect time to review your insurance needs and make sure you're prepared for the holidays and the year ahead.

🍁 Ready for a end of year Coverage Check-Up?

Whether it's your auto, home, renters, life, or business insurance, our team is here to help you review your coverage, answer questions, and prepare for life's unexpected moments.

Give us a call or stop by our office—we'd love to hear from you! 📞🏡❤️

Wishing you and your loved ones a safe, joyful, and blessed Thanksgiving! 🦃🍂🧡

From the CCL Team at your local State Farm agency, thank you for allowing us to be part of your journey!

Office Info

Location

1400 N Dutton Ave #9
Santa Rosa, CA 95401-7100
  • a block north of Atrium Court on the same side of the street as our old office.
  • Parking: In front of building
  • Floor #1
  • No steps/stairs
Map & Directions
Speaking English and Spanish

Get a quote today

Office Info

Location

1400 N Dutton Ave #9
Santa Rosa, CA 95401-7100
  • a block north of Atrium Court on the same side of the street as our old office.
  • Parking: In front of building
  • Floor #1
  • No steps/stairs
Map & Directions
Speaking English and Spanish

Insurance and Financial products offered

Call us 24/7 at (707) 755-5450

Our mission

Our mission is to empower our customers with cutting-edge risk and financial management insights, delivering exceptional advice and service that drive informed, confident decisions. Guided by a diverse, highly skilled team of professionals both within and beyond our organization, we take immense pride in earning and sustaining our customers' business and loyalty through unwavering commitment to excellence.

Why Choose Us

My family’s five generations of local connection in Santa Rosa have shaped our approach to supporting neighbors with insurance for over 24 years. We believe in providing personal, straightforward guidance, making sure you feel confident in your choices. This means we are always clear about what we can offer and transparent about any limitations. We also ensure more families can understand their options and ask questions comfortably by offering support in both English and Spanish.

Working with us means getting a team that listens, explains, and remains involved long after initial decisions are made. We care about helping you anticipate needs as life unfolds, offering insights and encouraging reviews to ensure your coverage aligns with changing seasons or significant life events. Our commitment to care, consistency, and integrity extends to supporting local community initiatives, reflecting our genuine dedication to the area we call home. You can expect a team that genuinely prioritizes your understanding and long-term well-being.

Our team

Meet our vibrant, bilingual team—fluent in English and Spanish—and licensed in property, casualty, life, and health. We combine extensive knowledge with heartfelt care to deliver professional, approachable service that puts your well-being front and center.

our team image 0
our team image 1
our team image 2

Meet the team

November is here! 🍁🦃✨ A season of gratitude, cozy moments, and new opportunities! ☕🧡 With Thanksgiving around the corner, let’s celebrate our blessings, embrace fresh goals, and finish the year strong! 🍂💪🌟

Regular Office hours: Monday to Thursday 9:00am to 5:30pm and Friday 9:00am to 4:00pm, We have Evening & Weekend available by appointment only. Our phones are forwarded at 5pm our after-hours team will take your call after that time. We have exciting news! Our office has MOVED to 1400 N Dutton Ave. #9, Santa Rosa, Ca. 95401.

**HOLIDAY HOURS: CLOSED ON 11/11/26 Honoring our Veteran's. CLOSED Thanksgiving week 11/23/26 - 11/27/26 (Only phone service available, Monday, Tuesday and Wednesday) CLOSED on Thanksgiving and Friday.

For roadside assistance please call 18776275757, for our Claims department please call 18552598568, to make a payment please do so over the phone by calling 18007828332.

We are currently writing Motorcycle insurance, Auto insurance, Car insurance, Pet Insurance, Life insurance, & Disability insurance. We are NOT able to write new, Renters, Home, Condo or Business insurance currently in the state of California.

Protecting Sonoma County for Over 24 Years – Insurance Made Personal

Protecting Sonoma County for over 24 years, we’re proud to serve individuals and families throughout Santa Rosa with insurance that’s personal, straightforward, and built around real life. Whether you’re relocating to California or reviewing your coverage, our knowledgeable, friendly team is here to help you feel confident in the choices you’re making.

We currently provide Auto insurance and Motorcycle insurance to help protect what gets you where you need to go, along with Life insurance and Disability insurance to support your long‐term financial well-being. At this time, we are not able to write new Renters insurance, Homeowners insurance, Condo insurance, or Business insurance policies in the state of California, and we believe being clear about availability is important to serving you well.

With five generations of local roots, our connection to Santa Rosa and the greater Sonoma County community runs deep. We’re licensed Life and Auto Insurance agents, and we take pride in serving our neighbors with care, consistency, and integrity. Giving back matters to us; we actively support the Redwood Food Bank and youth programs at Piner High School because strengthening our community goes beyond insurance policies.

We also offer support in both English and Spanish, making it easier for more families across Sonoma County to understand their coverage and feel comfortable asking questions. When you work with us, you’re not just getting a policy—you’re getting a team that listens, explains, and stays involved long after the paperwork is done.

If you’re looking for guidance or a personalized quote, we invite you to stop by our Santa Rosa office or reach out to connect with our team!

🍁 November is Here! 🦃🧡✨

November Awareness: Gratitude, Family Protection & Holiday Safety 🍂🏡

November is a time to reflect on our blessings, appreciate those who make a difference, and prepare for the busy holiday season ahead!

This month, we're highlighting three meaningful reminders:

Veterans Day – November 11 Honoring the brave men and women who have served our country. We are grateful for their courage, sacrifice, and dedication. To our veterans and military families—thank you for your service!

💛 National Family Caregivers Month Recognizing the incredible individuals who care for loved ones every day. Their dedication reminds us how important it is to protect and plan for the people who depend on us.

🦃 Thanksgiving – November 26 A beautiful reminder to slow down, count our blessings, and cherish time with family and friends. It's also a great opportunity to think about what matters most—our loved ones, our homes, and our future.

As we enter the holiday season, November also brings increased travel, family gatherings, cooler weather, and busy schedules. A little preparation can go a long way toward keeping everyone safe!

🍂 Why November Safety Matters (Especially for Insurance)

Even during this wonderful season of gratitude, unexpected moments can happen:

  • 🚗 Holiday travel: More vehicles on the road, earlier sunsets, and changing weather conditions.

  • 🏠 Home safety: Holiday cooking, heating equipment, candles, and decorations can increase fire risks.

  • 🛍️ Holiday shopping: Packages, gifts, and valuables may become targets for theft.

  • 👨‍👩‍👧‍👦 Family protection: The holidays remind us how important it is to financially protect those who depend on us.

  • 🌧️ Seasonal weather: Rain, slippery roads, fallen leaves, and colder temperatures can create unexpected hazards.

🧡 This November: Simple Steps to Protect What Matters Most

1) Thanksgiving Travel Safety 🚗🦃

Whether you're traveling across town or across the state to celebrate with loved ones:

  • Check your vehicle: Inspect tires, brakes, windshield wipers, and lights before traveling.

  • Plan ahead: Allow extra travel time and avoid rushing during busy holiday traffic.

  • Drive safely: Stay alert, avoid distractions, and never drive impaired.

  • Prepare for emergencies: Keep a flashlight, phone charger, water, and basic emergency supplies in your vehicle.

Coverage note: Before hitting the road, consider reviewing your auto insurance to make sure your coverage still fits your needs.

2) Holiday Home & Fire Safety 🏠🍁

Thanksgiving brings delicious meals, warm gatherings, and plenty of activity around the house!

  • Stay in the kitchen when cooking on the stovetop, and keep flammable items away from burners.

  • Test smoke and carbon monoxide alarms before holiday gatherings.

  • Inspect heating equipment and keep furniture, blankets, and decorations away from heat sources.

  • Keep walkways clear of wet leaves, clutter, and tripping hazards.

  • Secure packages and deliveries to help prevent holiday theft.

Coverage note: A quick homeowners or renters insurance review can help you better understand your protection for unexpected damage, theft, or liability situations.

3) Protecting Your Family's Future 👨‍👩‍👧‍👦❤️

November is all about gratitude, and there's no greater blessing than the people we love.

As we celebrate National Family Caregivers Month, it's a wonderful time to think about how we care for and protect our families.

Consider asking yourself:

  • Would my family be financially prepared if something unexpected happened to me?

  • Could life insurance help cover housing expenses, debts, childcare, or future education costs?

  • Have I experienced any major life changes since my last insurance review?

  • Do my current policies and beneficiaries still reflect my family's needs?

Life insurance is more than a policy—it's one way to help provide financial security for the people who matter most. ❤️

Even if you already have life insurance, a quick review can help determine whether your coverage still fits your family's goals.

4) Holiday Shopping & Small Business Friday & Saturday 🛍️🎁

As we prepare for the holiday season, let's remember to support the local businesses that make our communities special!

Small Business Friday & Saturday – November 27 & 28

  • Shop local whenever possible and support neighborhood businesses.

  • Keep purchases and valuables out of sight in parked vehicles.

  • Be cautious of online shopping scams and suspicious delivery messages.

  • Protect packages by arranging secure delivery locations when possible.

As a local State Farm agency, we're especially grateful for the confidence and support of our community. Your continued support means so much to our team!

🧡 A Season of Gratitude & Protection

This Thanksgiving season, we want to take a moment to say THANK YOU!

We are truly grateful for our customers, our community, and the opportunity to help protect what matters most to you.

As the year begins to wind down, November is a perfect time to review your insurance needs and make sure you're prepared for the holidays and the year ahead.

🍁 Ready for a end of year Coverage Check-Up?

Whether it's your auto, home, renters, life, or business insurance, our team is here to help you review your coverage, answer questions, and prepare for life's unexpected moments.

Give us a call or stop by our office—we'd love to hear from you! 📞🏡❤️

Wishing you and your loved ones a safe, joyful, and blessed Thanksgiving! 🦃🍂🧡

From the CCL Team at your local State Farm agency, thank you for allowing us to be part of your journey!

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Simple Insights®

How is car insurance calculated?

Learn how car insurance is calculated, some common factors that affect car insurance rates and tips that may lower the premium.

Car maintenance tasks you can do yourself

To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.

How to protect your digital footprint

Reduce your digital footprint, when visiting a website or entering info online, by minimizing the data you leave behind so that it’s not misused by others.

What is an insurance company?

Insurance companies manage a shared fund of premiums to help pay for covered losses when the unexpected happens.

View more articles

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