State Farm® Insurance Agent Ed Kalpagian

"I could not be more pleased with the Ed Kalpagian State Farm Insurance Agency!! I received a call one day from agent Darlene Ramirez and the timing was perfect, as I was unhappy with my current insurance carrier. Darlene was friendly, informative and patient with me...I had dozens of questions and she answered all of them over the course of several calls. With her help, I made the choice to change my home and auto insurance to State Farm and in doing so, will be saving significant money in the months/years to come. I could not be happier that I made the switch. Thank you Darlene, you are AWESOME!!! Deb C."

"Marlene was thorough, knowledgable and pleasant, making it easy to arrive at a final decision to purchase coverage."

"Super easy to work with and is very authentic. His non bs approach is why I went with him for insurance. Highly recommend."

"I have been working with Ed for years- auto, homeowners, and life insurance. I had the pleasure of “meeting” and working with Darlene over the past week, while navigating a new car purchase. She is absolutely amazing! Extremely efficient and timely, not to mention patient, as I asked numerous questions. I couldn’t be more impressed with the service I received. Thank You"

"A few months ago, I decided to switch from Farmers' Insurance to State Farm. I could not have made a better choice, I went from speaking to automated systems and to people who could not give me a straight answer, to incredible customer service. Darlene helped me get my home, car, and umbrella insurance set up quickly and has been so helpful with all my questions. I truly appreciate having an insurance company that I finally feel confident with!"

"Great customer service by Darlene"

"Darlene is a rockstar! She helped my wife and i navigate switching our car insurance over and adding our new home insurance to State Farm. I can’t recommend her more highly!!"

"We worked with Suzanne at State Farm on specialty insurance policies. She was extremely responsive, helpful, and patient. Couldn't ask for more. Highly recommend!"

"Darlene from StateFarm is a pleasure to work with. She helped me to secure a better and more affordable deal on three autos and a home policy. I had lots of questions and she is well informed, knowledgeable, and was very calm throughout this decision-making process. I have already recommended her to one of my friends and I highly recommend Darlene services to anyone looking for better deals. I am sure others will benefit from her experience. Thanks, Darlene, for all your help!"

"I recently had the pleasure of working with Charleen. From the moment I reached out, she was incredibly responsive and took the time to thoroughly explain all my options. She made the entire insurance process smooth and easy to understand, patiently answering all of my questions and addressing any concerns I had. Charleen was professional, friendly, and incredibly knowledgeable, making the entire experience feel personal and tailored. I felt confident in the decisions we made together, and I truly appreciated her honesty and transparency throughout. I've since referred my business partner to her along with my Fiancé. Next up we will look into business continuation plans and a possible life insurance."

"Charleen at State Farm is absolutely amazing! She went above and beyond to help me secure insurance for my business, making the process smooth and stress-free. Her professionalism, knowledge, and friendly demeanor made all the difference. I felt confident every step of the way, knowing I was in great hands. Thank you, Charleen, for your outstanding service! Highly recommend her to anyone looking for insurance assistance!"

"Charleen was a pleasure to work with. Highly recommended!"

"Suzanne from State Farm, Ed Kalpagian was a pleasure with whom to work! So knowledgeable about the insurance industry and was able to guide me as to what policy truly suited my needs. Great follow up as well!"

"I had Darlene help me set up a new policy and she made it both easy to comprehend and was a very lovely person. Thank you, Darlene!"

"Great people to work with. Very fast at getting quotes and paperwork for new vehicles. Never had a bad experience"

"Nice office. Success with a renters insurance policy, business insurance did not go so well. The point of this review is to simply inform what can happen with a business insurance policy that I imagine clients are not aware of. Employees there are very friendly. To start: if you sign and prepay for a business policy, the underwriter for State Farm can potentially change that policy classification in a couple months time to more than double your premium even though all business parameters remain unchanged. I understand if you mislead an insurance company about your business — that is not in good faith and was not the case here. In my case, I received an amended bill several months after signing and paying for my policy. This bill was more than double what I had already paid. I thought this was a clerical error and reached out to the Allendale office with several phone calls over the course of a few months receiving a “yes, we’ll take care of it response.” As I continued to receive bills in the mail, realizing that talking to someone on the phone would not resolve the issue, I finally visited in person at the local office for them to understand what happened and that the underwriter made this “unilateral” change. Unfortunately, the many months prior with calls yielded no discovery on their part. In the end, this was resolved by calling the corporate office and filing a complaint. If I didn’t reach out to corporate I would have been out over $1k and a lot of wasted time. I imagine I am a unique case, and that business insurance I am told is not their focus. I do have a renters insurance policy there and will continue to do so for its duration. Also, for context I have an Amica auto policy for home and insurance and they are more pricy but an excellent company. So let me sum this up. Nice people at the Allendale office, they have lots of great Google reviews so they must be doing something right. Just be aware of what can happen with a business policy. Below is my original review regarding my renters policy which was a good experience. ———- Review from April 2023: Very nice office to work with overall. Was taken care of quickly and efficiently after walking in on a Friday afternoon. Annmarie was very pleasant to work with. She offered several options to get us the right coverage. Highly recommend."

"I connected with Ed a few years ago on a Home and Auto policy. In 2022 my recently finished basement flooded as did many homes in the area. Working with Ed and the State Farm adjuster we came to an agreement on what needed to be replaced and all associated costs. I could not be happier with the overall process and settlement. A very solid Company."

"The in-house agent - Ms. Suzanne Tax was a pleasure to talk to. She was patient, informed, honest and calm throughout the lengthy call for both my car & home owners policy review. I strongly recommend her services via The State Farm Group out of Agent Ed Kalpagian Allendale, NJ office"

"I had the pleasure of working with Charleen who helped update my home and auto insurance policies, and I am thrilled with the results. She was able to secured a better and more affordable deal. I highly recommend Charleen and this company to anyone in search of a stress-free and cost-effective insurance experience. The personalized service and significant savings I received exceeded my expectations, and I am confident that others will benefit from Charleen's expertise and the company's commitment to client satisfaction."

"super helfpul. didn't feel like i was getting sold anything. Felt like I was truly getting helped!"

"Never look for insurance here the sales rep are like working in the car dealership . When I just want to drive and Im all about customer service."

"Let me start off by saying this is by far the worst experience I ever had when looking for insurance. The sales reps are terrible but the one whoms very rude and sarcastic is Charleen harry, she called me and asked if I was looking for new insurance I explained to her I had added my information online and instead I know she wanted to reput in all my information just to get commission. Which I am a Salesman myself. She hung up the phone on me and I called back about 15 times to let her know that was rude and to speak with an manager but instead she let the phone go off the hung and never answered I will go to cooperate and voice my opinion because not a good way to treat a customer. I WOULD STAY AWAY FROM THIS PLACE.Horribile way to want to get a Quote . And understand I don’t even write google reviews but this has to be heard."

"Office Staff, AnnMarie and Melissa worked diligently resolving a Claim I submitted resulting in my complete satisfaction. It was complicated by holidays and they stayed with my questions in a most pleasant, professional, and friendly manner. The broker Mr Kalpagian personally engaged and brought about a satisfactory conclusion."

"I have had the pleasure of working with Suzanne for many years and now, most recently, Charleen. Suzanne is so knowledgeable and always guides me for all my insurance needs. I recently had the pleasure of working with Charleen on a NY policy for my father, written in a different office because I didn't realize Ed Kalpagian can write both NY and NJ. She immediately advised best way to handle and helped him complete policy info needed in a day! Overall great office to work with!"

"After being with Geico for many years, I switched all my coverages (auto, homeowners, and umbrella) to State Farm via Ed Kalpagian's office in Allendale. It is a joy to do business with Ed and staff. Special thanks to Charleen and Melissa. Thank you all so much for your help not only placing my polices, but also with real, personal attention following my recent claim. I'm truly happy to have you on my team - and to be on yours : )"