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...
Mysty F
November 18, 2025
"Great service. My agent was exceptionally helpful in setting up 2 new accounts for my mom and I."
"Thank you so much for your wonderful feedback, Mysty! It was truly a pleasure working with you for the most appropriate coverage for your auto and home insurance needs. We’re so happy to hear you felt fully supported throughout the process with our team member Cullen - that’s exactly what we strive for. Please know we’re always here if you need anything else down the road. - Richard Fernandez Summit, NJ State Farm Agent"
Jasmine Chandoo
November 16, 2025
"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 Fernandez Summit, NJ State Farm Agent"
D Ten
November 7, 2025
"Devon was amazing, professional , clear and easy to communicate with. He took his time and care to make sure I got the best results possible . I will call him anytime I need help at state farm"
"We are very thankful for your 5-star review and are happy that our team member Devon provided you with exceptional and straight-forward customer service for your auto insurance policy. Your satisfaction is our top priority! We appreciate your trust and look forward to continuing to support your insurance needs. - Richard Fernandez Summit, NJ State Farm Agent"
Rahul Goyal
October 23, 2025
"Buying property insurance first time, they made the process much easier!"
"We truly appreciate the great feedback, Rahul! We are thankful for your trust in us as you protected your new home with the strength and affordability of our State Farm Insurance policy. We look forward to being your long-term insurance partner. - Richard Fernandez Summit, NJ State Farm Agent"
Vickie Freeman
October 22, 2025
"I have had a great experience with Cullen Ruben and Rick Fernandez at State Farm. I usually deal with Cullen and he’s extremely responsive and easy to work with!"
"Hi Ms. Freeman. Thank you very much for the 5-star review and for the opportunity to assist you on your auto insurance coverage. I'm happy to hear our Team Member Cullen has earned your confidence and made this process a smooth one. - Richard Fernandez Summit, NJ State Farm Agent"
Ron Doyle
September 24, 2025
"I recently had the opportunity to work with the Richard Fernandez State Farm Office (and Cullen Reuben) on a very timely request to secure temporary auto insurance for a new car. They met the deadline perfectly and delivered the insurance in a very professional and timely manner. I am very pleased with the acumen and follow up of the office and highly recommend for your insurance needs."
"Wow! Thank you so much Ron for your 5-star review and for choosing our office for your auto insurance needs. Our team is so appreciative of you for taking the time to provide this excellent and detailed feedback. I am thrilled to know that our team member Cullen moved swiftly to prioritize your specific needs and did so in a professional and friendly manner. We work to ensure that our customers are presented with a tailored and stress-free process from beginning to end. Reach out to our office if ever the need arises. Thank you again! - Richard Fernandez Summit, NJ State Farm Agent"
Denise Height
September 22, 2025
"I wanna thank your agency trying to assist me with insurance for my home. I wanna give a special thanks to K for hi integrity, customer service and great sense of humor."
"Hi Denise! We greatly appreciate your kind words in this review. It was our pleasure to help you with your home insurance needs and ensure everything was taken care of with attention and a smile. Our team member Kay always brings forth, to our office and customers, his warm personality. Thank you for letting us serve you and as always, our team is always here whenever you need us. - Richard Fernandez Summit, NJ State Farm Agent"
Shannon Powers
September 12, 2025
"Adding car insurance with a new driver (my teenager). Was a nightmare to start with Cullen made it so easy to understand and was super helpful finding the best price possible for our family. He answered my million calls with so many questions and was more then professional getting me all the info I needed. Thank you so much and we look forward to being a customer of State Farm."
"Thank you, Shannon, for this 5-star review! We’re so glad our team member Cullen helped make adding your teenage driver easy while finding the best price possible for your auto insurance policy. Our team takes pride in answering all questions to ensure proper coverages and supporting families in all circumstances. As a mutual company, we’re always focused on providing the best value for our customers, and we look forward to serving you long into the future. - Richard Fernandez Summit, NJ State Farm Agent"
Ibrahim Sankoh
August 13, 2025
"Very professional and helpful, saved me thousands of dollars yearly on my auto and home. Devon Sutton was the agent that helped me and was really patient with me. Will definitely recommend them to anyone."
"Thanks so much Ibrahim for the wonderful feedback! We are sincerely grateful. It means a lot to us knowing we could deliver you such valued savings in your home and auto insurances. We strive to provide our loyal customers with great service and proper coverages. We appreciate any recommendations to our business and thank you again for all your support. - Richard Fernandez Summit, NJ State Farm Agent"
rola albarmawi
August 6, 2025
"I had a great experience with Richard at State Farm! He was very friendly, patient, and went above and beyond to make sure I understood all my options. Everything was handled professionally and efficiently. I’m glad I chose to have my insurance with State Farm through him—highly recommended!"
"Hi Rola. Thank you so much for the kind words! I am so glad that hear that you felt our team went above and beyond for you. We're truly grateful you and your family chose our office and company for your renter's and auto insurance policies. We look forward to continuing to build this relationship in the future. We are here whenever you need us. - Richard Fernandez Summit, NJ State Farm Agent"
hometownpub
July 10, 2025
"Spoke with Cullen and had the best experience. Easy transaction and very professional."
"Thanks so much for the great feedback! We appreciate your time and business. I'm glad to hear that our team member Cullen went over everything smoothly and that you felt taken care of - making things easy and clear is what we aim for. If you ever have any questions, please do not hesitate to reach out to us. - Richard Fernandez Summit, NJ State Farm Agent"
Banyon Ortiz Jr.
July 7, 2025
"Help me out every step of the way & gave me a great rate for home & auto."
"Hi Banyon! Thank you very much for taking the time to leave us this thoughtful review. We're grateful for the opportunity to assist you with your home and auto insurance coverage, and we remain committed to providing you with dependable service and support in the future. Thanks again! - Richard Fernandez Summit, NJ State Farm Agent"
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."
"Hi Zhen! Thank you so very much for this great review and for trusting us with your home insurance needs. I'm so glad that our team member Cullen made this process simple and clear for you. We work hard to provide responsive and thoughtful service, and we aim to be exemplary in our processes. We sincerely appreciate your support of our agency team, and we look forward to further assisting you and your family in the future. Thanks again! - Richard Fernandez Summit, NJ State Farm Agent"
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"