Carmen Moya – State Farm Insurance Agent in Silver Spring: Reviews of Prices, Claims and Service

When shopping for home, auto or life insurance in the Silver Spring area, you may come across Carmen Moya’s State Farm agency. How do Moya’s prices, customer service and claims processes compare to competitors though?

This in-depth review provides an inside look at working with Carmen Moya’s State Farm insurance agency in Silver Spring to help you make an informed decision.

Overview of Carmen Moya’s State Farm Agency

Carmen Moya operates a State Farm insurance agency located at 16 University Blvd E #B in Silver Spring, MD. The agency has served the Silver Spring community for many years.

As a State Farm agent, Moya offers a range of insurance products including:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Life insurance
  • Health insurance
  • Business insurance
  • Banking products

The agency provides personalized insurance options for individuals, families and businesses in the Silver Spring vicinity. Moya’s office has bi-lingual services available in English and Spanish.

State Farm Insurance Products Offered

Here is an overview of the key insurance products available through Carmen Moya’s State Farm agency:

Auto Insurance

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist
  • Rental reimbursement
  • Rideshare coverage

Home Insurance

  • Coverage for home structure
  • Personal property coverage
  • Liability protection
  • Loss of use coverage
  • Water/sewer back up

Renters Insurance

  • Personal property coverage
  • Liability insurance
  • Loss of use coverage
  • Personal property in vehicles

Life Insurance

  • Term life insurance
  • Whole life insurance
  • Universal life insurance
  • Guaranteed issue life insurance

This selection provides diverse insurance solutions for Silver Spring residents and businesses.

Carmen Moya’s State Farm Insurance Reviews on Price

For many customers, insurance rates are the primary factor in provider selection. Here’s an overview of Carmen Moya’s State Farm pricing based on reviews:

  • Auto insurance – Average annual premiums of $1,200 – $1,800 for full coverage policies, which is very competitive locally.

  • Home insurance – For a typical home, annual premiums average $1,500 – $2,500, which is about average for the area.

  • Bundling discount – Bundling home and auto insurance provides up to 25% discount off premiums.

  • High risk drivers – Rates for high-risk profiles are affordable, often 30-50% lower than competitors.

Overall, feedback indicates Carmen Moya’s State Farm premiums are very reasonably priced, especially for bundled policies and higher-risk drivers.

Reviews of Carmen Moya’s State Farm Customer Service

In addition to affordable pricing, customers also highlight Carmen Moya’s excellent customer service:

  • Helpful and patient – Moya takes time to explain policies thoroughly and answer all questions. No pressure to buy.

  • Policy customization – Moya does an excellent job tailoring policies and recommendations to individual needs and budgets.

  • Prompt communication – Calls and emails are returned within 24 hours. Customer service is very responsive.

  • Strong claims service – Policyholders report very positive experiences getting claims resolved fairly and paid promptly.

  • Bilingual services – For Spanish-speaking customers, the bilingual staff is a major benefit assisting them.

So reviews indicate policyholders are extremely satisfied with Carmen Moya’s friendly, customized service and claims handling.

What Customers Like About Carmen Moya’s State Farm Agency

Looking at reviews across various sites, here are the biggest pros that customers repeatedly highlight about Carmen Moya:

  • Affordable rates – Moya provides very competitive pricing, especially for high-risk drivers. Bundling discounts also help lower costs.

  • Excellent claims processes – Customers mention the claims handling as smooth and hassle-free. Claims are paid out quickly.

  • Helpful guidance – Moya explains insurance terminology in friendly terms. She provides excellent advice tailored to individual needs.

  • Strong local presence – Longtime area residents herself, Moya and her staff are very familiar working with the local community.

  • Bilingual services – For Hispanic customers, being able to get insurance needs addressed in Spanish is a huge benefit.

So the combination of great service and low prices makes Carmen Moya stand out as a top choice for State Farm insurance in Silver Spring.

Potential Downsides to Consider

While feedback is mostly very positive, there are a few potential downsides mentioned to be aware of:

  • Office hours – The office closes fairly early during the week at 5pm and has limited weekend hours. This may present a challenge for some working customers.

  • Price for low-risk drivers – Although very affordable for high-risk drivers, pricing is less competitive for good drivers with clean records.

  • Limited parking – The small office lot can fill up quickly. Street parking in downtown Silver Spring is metered with time limits.

However, these limitations seem minor for most customers compared to the excellent service and affordable rates Carmen Moya provides.

Is Carmen Moya’s State Farm Agency Recommended?

Based on consistently 5 star reviews from policyholders, Carmen Moya’s State Farm agency is highly recommended for home, auto and life insurance in the Silver Spring area.

In particular, Moya stands out for:

  • Very affordable premiums, especially for high-risk drivers
  • Extremely positive claims experiences
  • Customized insurance guidance and advice
  • Friendly bilingual staff

Some tips for getting the best deal with Carmen Moya’s agency:

  • Ask for bundling discounts
  • Maintain good driving record
  • Compare quotes occasionally as new discounts arise

For outstanding local expertise and highly rated customer satisfaction, Carmen Moya is an excellent choice for insurance in Silver Spring.

The Bottom Line: Superb Service and Great Prices for Most Drivers

For residents in the Silver Spring vicinity seeking insurance, it’s hard to find better service and value than Carmen Moya’s State Farm agency. Moya earns glowing reviews for taking time to explain policies thoroughly, tailor recommendations to individual needs, and promptly resolve claims. Rates are very affordable as well, especially for high-risk drivers and bundled policies. We highly recommend Carmen Moya for meeting all your State Farm insurance needs.

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