
State Farm® Insurance Agent Richard Fernandez
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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...
Zhen Wen
June 30, 2025
"Cullen has been exceptionally responsive and helpful with my home insurance needs. He consistently provides quick, clear answers to my questions and goes above and beyond to ensure I understand my coverage options. His professionalism and attentiveness make managing home insurance matters effortless."
Diane Sottile
June 18, 2025
"We have been with State Farm for over 30 years. We had an issue to resolve and Kayode was on it. Best experience with SF over all these years."
"Hi Diane. Thanks so much for the wonderful 5-star review. Your support and trust for over 30 years is genuinely valued by us and State Farm. It is a privilege to help our loyal customers resolve any issue or question that may come up and I'm glad that our team member Kay was able to provide you with the excellent service you are accustomed to. Thanks again for sticking with us! - Richard Fernandez Summit, NJ State Farm Agent"
Jennifer Lenosky
June 11, 2025
"Cullen was great to work with getting an auto and renters insurance policy quote. He explained everything in detail and was quick and efficient with helping to set up my new insurance policies with State Farm."
"Thank you, Jennifer, for the great review! We know insurance might not be exciting but I'm happy to know that our team member Cullen was clear in explaining the details of your new auto and renter's insurance policies without slowing you down. Our team takes pride in making insurance feel less like a chore. We're grateful to you in selecting us for your insurance coverage needs and are always here to assist you in the future. Welcome aboard! - Richard Fernandez Summit, NJ State Farm Agent"
Brook Parker
June 9, 2025
"I cannot express enough how incredibly grateful I am for the outstanding service I've received from Kayode at State Farm. My family has been with State Farm for years, and Kayode has truly gone above and beyond to uphold the excellent reputation we've come to expect. From our very first interaction, Kayode was consistently patient, kind, and genuinely friendly. He took the time to answer all of my questions thoroughly, ensuring I understood every detail without ever making me feel rushed. His ability to explain complex information clearly and his unwavering willingness to help have been extremely valuable. Kayode's dedication and effort are truly remarkable. He's not just helpful; he's proactive, compassionate, and an absolute pleasure to work with. He definitely deserves an award for his exceptional work and the positive impact he's had on my experience with State Farm. Thank you, Kayode, for being so incredible! — Brook""
"Hi Brook! Thank you so much for your heartfelt review! We are so incredibly grateful for your kind words and are thrilled to hear about your outstanding experience with our team member Kay as he assisted with all of your auto insurance policy questions. It's great to know that he has upheld that excellent reputation you and your family have come to expect from State Farm over the years. Your recognition not only reflects his hard work but also reinforces our commitment to providing exceptional service to our valued customers. We deeply appreciate you taking the time to share your thoughts, and we are honored to have you as part of our State Farm family. Thank you once again for your trust and support. We look forward to continuing to serve you and your family with the same level of care and dedication! - Richard Fernandez Summit, NJ State Farm Agent"
Sal Badran
May 28, 2025
"Excellent service, great rates, outstanding options,, you can’t do better anywhere else, I appreciate the wonderful treatment and appreciate it greatly 🙏"
"Wow! Thank you so much Sal for these very kind words! We're truly grateful for the opportunity to assist you with our multi-line bundle for your renter's insurance and multiple auto policies. I'm happy to know that our team member Cullen supported you, as our team strives to provide thoughtful coverage guidance with clarity and care. Your trust and appreciation genuinely mean the world to our small business. Thanks again for choosing us! - Richard Fernandez Summit, NJ State Farm Agent"
Samuel Hernandez
May 21, 2025
"Kay was very helpful and walked me through the process with insuring my watches and also getting rental insurance. Very patient and professional! Highly recommend Kay for your needs!"
"We truly appreciate your 5-star review, Samuel, and the opportunity to assist with your Renter's insurance policy. Protecting what matters to you starts with the right coverage and clear guidance. I'm proud that our team member Kay was able to provide policy knowledge, patience, and professionalism in helping to make the details easy to understand. We're grateful to aid in you making an informed decision that will benefit you long term. - Richard Fernandez Summit, NJ State Farm Agent "
Rebecca Beauvais
May 12, 2025
"I had such an amazing experience working with Kay throughout this process. Not only did he take the time to answer all of the questions I had, he also demonstrated a great wealth of knowledge while doing so. He was excellent in going over my insurance options in order to find the product I needed while giving detailed a description of the different products that State farm has. He was also very patient along the way with all of the questions I had. Overall, I received great customer service from Kay, HIGHLY recommend!"
"Thank you so much, Rebecca, for taking the time to provide this kind review and recommendation! We’re so glad to hear that Kay provided knowledgeable and thorough service throughout your property and life insurance inquiry and the binding of your personal policy. It’s great to know he helped answer all your questions. We truly appreciate your trust in us and are always here if you need anything in the future. - Richard Fernandez Summit, NJ State Farm Agent"
Julio N
March 19, 2025
"What a fantastic staff at State Farm shout out to K who was exceptionally professional and handled my questions and my insurance transfers like a pro. I'm happy I called and saved some money ."
"Hi Julio! We truly appreciate your thoughtful review. It's wonderful to hear that Kay provided such professional service and made your transfer process seamless. Delivering a smooth and stress-free experience is one of our goals, and knowing we met your expectations means a lot to us. We're always here to help! - Richard Fernandez Summit, NJ State Farm Agent"
Jovani Gonzalez
February 18, 2025
"Phenomenal! Cullen Reuben did a splendid job at severely beating the insurance prices im currently paying while giving me more coverage. I have been shopping around for some time due to my old car insurance deciding they want to cancel my policy essentially due to a clerical error that they did not inform me about and wouldn't let me fix it once I found it. Every company that I got a quote from quoted over what I was paying and typically for less coverage. I was bombarded by calls from everybody that I started ignoring most of them. Thankfully I decided to answer Cullens call which allowed me a chance to save on both my auto and homeowner’s insurance! I highly recommend contacting Richard Fernandez firm and talking to Cullen. He WILL take care of you!"
"Thank you so much, Jovani, for your wonderful review! We love helping our customers find the right coverage and peace of mind. Your support means the world to us. If you know anyone who could benefit from our services, we’d be honored if you shared your experience with them! - Richard"
Angel Herrera
February 7, 2025
"I had to update my car insurance and needed urgent attention, and the team handled it quickly and efficiently. They were professional, knowledgeable, and made the entire process stress-free. I truly appreciate their fast service and excellent customer care. Highly recommend!"
"We sincerely appreciate your positive feedback, Angel! Providing excellent service is our top priority, and we’re so happy to hear that you had a great experience with us. If you ever have any questions or need assistance, we’re just a call or message away! - Richard"
Pedro Lopez
February 4, 2025
"Richard and his staff made getting a life policy super easy and simple for anyone to understand. I am especially thankful for their associate Cullen Reuben who was my agent & by my side throughout this whole process."
"Thank you so much for your kind words, Pedro! We truly appreciate your trust in us and are glad we could provide you with a great experience finalizing your personalized life insurance policy. This is a great step protecting what's most valuable. If you ever need anything, don’t hesitate to reach out—we’re always here to help! - Richard"
Andrew Simpson
January 31, 2025
"I received great customer service from an associate by the name Cullen. He was able to simplify terms with me and kept up to date with the progress and changes to my policy."
"Hi Andrew! Thank you for the kind words about Cullen! We will be sure to pass this along. Our team is glad we were able to help you. If you ever have any questions or need additional assistance, please contact us at our office - Richard"
Neil Advani
January 24, 2025
"Richard, Cesar, and the Team have been fantastic to work with. Extremely professional, and always available for all my questions and requests."
"Hi Neil! Thank you very much for the kind words! Our team is glad to hear that we were able to help you. We appreciate your feedback and support. If you ever have any questions or need assistance, please call us anytime! - Richard"
Nicole Rubino
January 21, 2025
"I was with another auto insurance company. I have an excellent driving record however, with the recent increase in rates the price was astronomical. I looked around for about 6 months for other auto insurance quotes to compare. I finally got referred to Richard Fernandez at State Farm insurance and now I have an excellent rate. I am so happy that I found them they are so kind, helpful, and efficient. All the agents are professional and capable to handle all your insurance needs. I couldn’t recommend them more!"
"Hi Nicole! Thank you so much for your kind words! We're thrilled to hear that our team could provide you with a fantastic experience and a rate you're happy with. Your recommendation means the world to us, and we're here to help with any of your insurance needs! - Richard"
Dave Ashley
December 12, 2024
"Cullen did great job getting me a new policy. He understands SF products well."
"Thank you so much Dave for the fantastic review! I'm so glad that Cullen's product knowledge made a positive impact on your insurance experience. Providing expert guidance is something we take great pride in. We look forward to assisting you in the future. Thanks again! -Richard "
Jenny Ortiz
November 26, 2024
"I recently had the pleasure of working with Cesar ! While shopping around for home insurance Cesar helped me out with a great price and of course great coverage for my home ! I’m very thankful and greatful for his great customer service he made everything easy and simple for me as his customer. I recommend Cesar 10000000%!!! Like a good neighbor, Cesar is here!!"
"Hi Jenny! Thank you so much for your kind words and the 5-star review! We truly appreciate your support and are thrilled to hear that you had a positive experience with Cesar and our business. Your feedback means the world to us and motivates us to continue providing the best service possible. We look forward to building this relationship and serving you in the future! -Richard"
James Wilson
November 11, 2024
"I have to say I was very pleased with Devon from the Summit NJ State Farm office! He was confident, super professional and helped me through the entire process start to finish. I believe I’m in great hands with this office as in I would definitely recommend them to friends and family!! Thanks again Devon!"
"Thank you so much for your kind words! We're thrilled to hear that Devon was able to assist you with confidence and professionalism throughout the process. It's always our goal to make sure our customers feel well taken care of, and we're happy to know you had a positive experience with us. Your recommendation means the world to us, and we truly appreciate your trust in our office. If you ever need anything else, don’t hesitate to reach out. Thanks again and take care! - Richard"
Susan Gallic
October 23, 2024
"I had an outstanding experience thanks to the exceptional service provided by Cesar. He was incredibly helpful throughout the entire process, going above and beyond to ensure all my needs were met. His professionalism and friendly demeanor made the experience smooth and enjoyable. I highly recommend this State Farm office to anyone looking for top-notch assistance. Thank you."
"Thank you so much for the kind words! We're thrilled to hear that Cesar made your experience exceptional. Our team takes pride in going above and beyond to assist our customers. We appreciate your recommendation and look forward to serving you again! - Richard"
paula
October 16, 2024
"I recently had the pleasure of working with Cesar as my insurance agent, and I couldn't be more satisfied with the experience. I appreciated his dedication to finding the best coverage at a competitive price.I highly recommend him !"
"Thank you, Paula, for your wonderful review! We're so happy to hear that our team provided you with excellent service and helped find coverage that worked for you. Your recommendation means a lot to us! If you ever need anything else, don’t hesitate to reach out. Thanks again for your confidence! -Richard"
kenrick randall
October 14, 2024
"Cullen Marvin Rueben is very helpful and also tries to get the request completed for the customer. He goes above and beyond and am truly happy that State Farm has employees that value customer service. Great job Cullen."
"Thank you so much, Kenrick, for your kind words! We're thrilled to hear about your positive experience with our team. Your feedback means the world to us, and we’ll make sure Cullen knows just how much his hard work is appreciated. If there’s anything else we can assist you with, don’t hesitate to reach out. Thanks again for choosing us! -Richard"
Julianna Ospina
October 1, 2024
"Cesar was amazing during my process to switch over to state farm. Super professional and definitely took care of me. I will be recommending this office to all my friends and family! Thank you Cesar for your dedication to your customers!"
"Julianna, thank you so much for your wonderful review! We’re thrilled to hear that Cesar provided excellent service during your transition to State Farm. We truly appreciate your recommendation and look forward to serving you and your family! -Richard"
Christina Roman
August 17, 2024
"I was shopping around for life insurance policies when I randomly came across Richard’s agency. Not only did he take the time to get to know me and what I was looking for, he made sure to explain all of my different options - emphasizing that doing my research was also important. He helped me pick a bundled package that was most beneficial for me and my future. Thank you Richard!"
"Thanks so much for your thoughtful review, Christina! Life insurance is extremely important, and we are so happy that we were able to help you find a policy that is the best fit for you and your family. If you ever have more questions or need further assistance, we are here to help. Thanks again for choosing us! -Richard"
Adriana Ortiz
August 17, 2024
"I knew absolutely nothing about insurance until I met with Richard. I can’t stress enough that this man knows what he’s talking about. I am incredibly grateful for Richard, his patience, and his help! 5/5 fully recommend his services."
"Thank you for your fantastic review, Adriana! We're so glad to hear that we were able to guide you through the insurance process with patience. Your recommendation means a lot to us, and we're grateful for your support. If you ever need further assistance, our team is here to help! -Richard"
Jasmine Chandoo
August 11, 2024
"Richard was incredibly patient with all of my questions, taking the time to explain everything in detail and ensure I understood my options. His knowledge of insurance is impressive, and he was able to find a way to lower my car insurance while still providing excellent coverage. It's clear that Richard genuinely cares about his clients and goes above and beyond to help. If you're looking for a trustworthy and knowledgeable insurance agent, I highly recommend Richard!"
"Thank you, Jasmine, for your fantastic review! We're pleased to hear that our team's patience and knowledge gave you the information you needed to make an informed decision on your car insurance. We appreciate your recommendation and are here to help whenever you need it! -Richard"
Hector Sanchez
August 9, 2024
"Rich and his staff are great! I highly recommend! If you live in the Summit area and need an Agent Rich is your guy!"
"Thank you so much Hector for a great review. We appreciate the support for our business. I'm thrilled to hear our team was able to provide you with a great experience. "