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.
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...
Tiffany G
April 10, 2026
"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!"
Isabella Tavolacci
April 9, 2026
"Nicole is amazing and does her job perfectly she is very exceptional!"
J C
April 6, 2026
"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"
Chris Brinkman
April 6, 2026
"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"
Adrian Tapia
April 1, 2026
"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."
Wendy Ponzo
March 31, 2026
"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!"
Sharon McKenzie
March 30, 2026
"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."
Debbie Deas
March 28, 2026
"Nicole is wonderful. Always answers any questions immediately. Very good at her job."
Luis Quevedo
March 27, 2026
"Muy buenas atención,muchas gracias Especialmente a Erika excelente servicio"
Yazmin Acosta
March 19, 2026
"“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”"
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!"