State Farm® Insurance Agent James Baker

"AFTER 20+ YEARS WITH STATE FARM, ZERO CLAIMS & ZERO TRAFFIC TICKETS — THIS IS HOW OUR LOYALTY WAS REWARDED.

My wife and I have been State Farm customers for more than 20 years. James Baker has been our agent for approximately the last three.

In all those years with State Farm, we NEVER filed a claim. Neither of us has had a traffic ticket. We paid our premiums year after year with a spotless history and expected our loyalty to mean something.

Apparently, it didn’t.

We were already paying State Farm more than $400/month. When we purchased another vehicle, we were quoted approximately another $350/month for that vehicle alone, bringing our total to roughly $845 PER MONTH.

That finally made us shop our entire account.

We moved to Allstate with essentially the same coverage, INCLUDING THE NEW VEHICLE, for approximately $301/month.

STATE FARM: ~$845/month
ALLSTATE: ~$301/month
DIFFERENCE: ~$544 EVERY MONTH
That’s approximately $6,528 PER YEAR.

After 20+ years with State Farm. Zero claims. Zero traffic tickets.

From this customer’s perspective, that feels less like loyalty being rewarded and more like grifting and fleecing.

But pricing is only part of my problem with James Baker’s agency.

James Baker has been our agent for roughly three years, and in our experience he does not answer the phone for us and does not return our calls. I cannot identify any meaningful personal service he has provided during those three years.

Everything has been impersonal. Virtually everything gets handled online or without any meaningful interaction with the agent whose name is on the agency.

So what exactly is the value of having a local State Farm agent?

Why should customers financially support a local agency when they’re effectively servicing their own policies online?

If you’re going to charge dramatically more than a competitor, I would at least expect exceptional personal service. We received neither competitive pricing nor exceptional service.

Then, after more than 20 years with State Farm, we were told to “keep us in mind in the future as the rates are always changing and we could have a better price in the future.”

The future?

We already gave State Farm MORE THAN TWENTY YEARS.

And James Baker’s agency had approximately three years to demonstrate why having a local agent was valuable. In our experience, it failed miserably.

I strongly encourage longtime State Farm customers—and particularly customers of this agency—to SHOP YOUR ENTIRE POLICY.

Get competing quotes. Compare the coverage, limits and deductibles. Then ask yourself what your local agent is actually doing to earn your business.

I wish we had done it years ago.

20+ years with State Farm.
Zero claims.
Zero traffic tickets.
Approximately $544/month difference.
Three years with an agent who, in our experience, doesn’t answer or return our calls.

“Like a good neighbor”?

Not in our experience.

State Farm has lost a customer of more than two decades, and James Baker’s agency has lost our business permanently."

"Great service!"

"After calling around too many different companies, I spoke with Devin and he took my call after hours. My son just got his license and I actually drove from Knoxville Tennessee to come see him because of his customer service, his awesome attitude and his great prices. Highly recommend calling him . You will not be disappointed! It was worth my hour drive."

"Really good customer service, and good people to deal with. They welcome everyone—highly recommended‼️"

"Five stars all the way. Tim went above and beyond to help me find the right coverage and made the entire process easy and stress free. Communication was excellent, questions were always answered, and I truly felt like a priority. If you’re looking for someone you can trust, this is it."

"I can’t say enough great things about my insurance agent, Tim. From start to finish, he is knowledgeable, patient, and truly cared about finding the best coverage for my needs. Everything was explained clearly, and I never felt rushed or pressured. It’s such a relief knowing I’m protected and working with someone I trust. Highly recommend to anyone looking for honest and dependable insurance service. I have been recommending him to my family and friends as well."

"Tim at this particular business was very informal and very friendly would recommend to anyone!"

"Tim was so much help getting everything set up for our policy! Thank you again!"

"Very helpful"

"amazing must go changed my life"

"The auto and renter's insurance provides peace of mind for the future."

"Very helpful friendly staff especially lady at front desk that spent hours trying to help me create a account on the mobile app!"

"Excellent service, price and coverage."

"I've been with Statefarm off and on in my 13 years of driving but this office has by far been the most understanding and helpful. Wonderful customer service and never hold back information from you. They treat you like a person not like a paycheck."

"Very friendly and so kind and knowledgeable and was super helpful !"

"After moving back to Kentucky I needed a local agent for auto insurance and was told to check out James Baker at State Farm. Great choice as Tim Thacker was able to provide exactly what I needed at a great rate. Also provided helpful information with other family members insurance needs.. Thanks Tim!!"

"Great company saved me a lot of money, very helpful very friendly, always get your questions answered and explained. If you haven't checked with them, give them a try."

"I'm experience from Michelle was fantastic and she is very helpful with incredibly kindness"

"Issac was very helpful with me getting insurance coverage today I highly recommend this insurance company all staff is very nice and respectful and friendly I'm one happy customer"

"The staff is always helpful and friendly. They actually treat you like a person and will do anything they can to help you and your personal insurance needs. Ask for Rachel or Michelle!"

"Was very friendly got me a great price i went from paying 380 down to 228"

"I have had insurance with them since 2016 and have never once felt out of place when I walk in their doors. Every time they greet with warm smiles and friendly attitudes. With whoever I may talk to they are always welcoming and happy to help with anything I may need or questions I may have. I couldn't be happier with the kindness and compassion that they all give, along with the great rates they have. I'm very grateful for them all and for the work they do."

"Michelle is always friendy and helpful. I've had home owners insurance with this place since Tom Shelton was there. I'll be here always"

"I recommend James Baker as my insurance company, the people are extremely nice they always try to help. You won't get another place that is friendly. Even if you are having a bad day they seem to turn it around for you. If you want nice people and caring ones I recommend them 100%."

"Great customer service and great prices."