State Farm® Insurance Agent Matt Gardner

"Thank you, Allen, for sharing your experience! I’m glad to know that I could assist you with the policies and options. If you have any more questions or need further assistance, feel free to reach out. We’re here to help!"

"Hey, Ariana! It makes our day hearing that you had a great experience with our team. Appreciate you taking a moment to share this."

"Diane, thank you for your wonderful review! I'm happy to hear that Amy has been able to assist you with your auto, home, and life insurance needs. It's great that she takes the time to provide thorough answers and support, no matter how many times you reach out. We appreciate your trust and look forward to continuing to help with any future questions or needs. - Matt Gardner - State Farm Insurance Agent, Bel Air, MD"

"Thank you, Munir, for sharing your experience! I'm glad to hear that Chris provided exceptional service and made you feel comfortable and confident with your insurance choices. It's wonderful to know he was there for you whenever needed, even beyond regular hours. Your recommendation means a lot to us. If you have any more questions or need assistance in the future, feel free to reach out."

"Thank you, Cathy! I'm glad to hear that Brenda was able to assist you promptly and with a friendly approach. We appreciate your feedback and are here to help with any questions you may have."

"Thank you, Angela, for sharing your experience! I'm glad Jack was able to resolve the issue and make you feel comfortable throughout the process. If you need further assistance, feel free to reach out!"

"Thank you, Kim, for sharing your experience! I'm glad Jack was able to assist you and provide clear explanations. If you need further assistance, feel free to reach out."

"Thank you, Justin, for sharing your experience with us! It's wonderful to know that Kevin and Brian have been instrumental in ensuring your insurance needs are well-covered. Angela's proactive approach with the policy review is something we strive for, and we're glad it resonated with you. We're here to assist with any future needs or questions you might have."

"Thank you, Anthony, for sharing your experience! I'm glad Lauren was able to assist you with your policy questions and provide a follow-up text. We appreciate your kind words and are happy to have you as part of our State Farm family. If you need anything else, feel free to reach out to our office anytime!"

"Thank you, Tracy, for sharing your experience! I'm happy to hear that Jack is taking the time to look into the reasons behind the premium increase and that you feel supported by our team. We truly appreciate your kind words and are here to assist you with any further questions or needs. Don't hesitate to reach out anytime!"

"Alpesh, Office notes indicate that you called into my office today at roughly 3:13pm. You spoke to a licensed representative who answered your questions in which you were unhappy with his response. He then alerted my management team regarding the concerns in regard to your policies. At 3:48pm a member of my management team with 15 years of State Farm experience reached out to you to conduct a review of all of your policies. Her note states that a voicemail was left for you and we requested a call back to conduct the review. We did not receive a call back from you to complete the policy review, instead we get notification of this negative google review at 4:27pm. Questions regarding your policies sometimes require calling internal departments so that we can provide you a specific explanation or response in regard to your policies. Premium increases or decreases are not handled at the agency level. They are determined by state rate filings and other factors that are influenced from our actuarial model and underwriting departments. From a rate filing standpoint, State Farm has raised their rates the least over the past 5 years compared to top competitors in the industry. Demanding immediate answers with regard to policy rating is tough for any insurance office. Just give us the chance to investigate your situation so that we can give you a proper response. My ask of you is that you give my office a call back tomorrow to speak to a member of my management team so that we can conduct a thorough policy review with you as we tried to do this afternoon."

"Thank you, Justin-lee, for sharing your experience! I'm happy to know that you and your wife appreciate the personal touch and consistency we strive to provide. It's wonderful to hear that our team has been genuine and knowledgeable in assisting you with your insurance needs. We're here for any other questions or assistance you might need!"

"Thank you, Carollera, for your kind words! I'm glad to know that our patience and expertise made a positive impact on your experience. If you have any questions or need further assistance, feel free to reach out. We're here to help!"

"Thank you, Kojo, for your fantastic feedback! I'm happy to know you appreciated our customer service. If you have any questions or need assistance in the future, feel free to reach out. We're here to help!"

"Thank you, Robin, for sharing your experience! I'm delighted to hear that Angela provided such excellent service during your phone review. Her ability to clearly explain policies and review your information is truly valuable. We're grateful to have her as part of our team. If you have any more questions or need further assistance, feel free to reach out anytime!"

"Thank you, Tarsilla, for sharing your experience! I'm glad Bryan was able to assist you and answer all your questions. If you have any more inquiries or need further assistance, feel free to reach out to our office anytime. We're here to help!"

"Thank you, Cindy! I'm happy to hear that Laurie was able to assist you promptly and provide the reassurance you needed. We're here to help, so feel free to reach out to our office anytime you have questions or need further assistance. Welcome to our community!"

"Thank you, Kahlil, for your fantastic review! I'm happy to know you find our team knowledgeable and dependable. It's wonderful to hear that your experience with State Farm has been so positive. If you ever need assistance or have any questions, feel free to reach out. We're here to help!"

"Thank you, Bonnie, for your wonderful review! I'm happy to know that our team was respectful, helpful, and responsive during your experience. If you ever have any questions or need assistance, please feel free to reach out. We're here to help!"

"Thank you, David! I'm so happy to hear that Andrea provided you with such excellent service."

"Thank you, Lucas, for the fantastic review! I'm delighted to hear that Angela provided you with such kind and knowledgeable service for all of your insurance needs. Your recommendation means a lot to us. If you ever have more questions or need assistance, feel free to reach out!"

"Shane, I apologize for your frustration with the process of switching your business insurance over to our office to save over $2,000 annually. Once applications for new policies are submitted through our office they go to our corporate underwriting department for review. In the process of underwriting new policies it is common that additional questions arise before the policies are issued and mailed to you. If the questions from our underwriting department are not responded to in a timely manner then adverse action or cancellation of policies may take place. I am sorry that the underwriting questions were more than anticipated. You will receive any refunds owed from the cancellations of your policies. Update (I have provided the same response under your wife Melanie's review as this is the same situation): "Management in my office reached out to your household on 2/12/25 to address your concerns and see if there was anything else that we could help you with after seeing your husbands 1* review. Our office did not receive a call back from your household." "It is protocol in our office to respond to all emails within 24 hours. If there is an instance when we do not there is typically an away message on the office representatives email directing any customer to call the office for service at 410-838-1010 if they are out of the office or unavailable for any reason. I do not see any notes in my system showing that any phone calls were placed to the office to address your situation. I apologize for the lack of communication pertaining to this situation as Bryan has been out of the office taking care of emergency personal family matters. Although we do have 14 other licensed insurance professionals in our offices to take care of your needs if you give us a call at 410-838-1010." Melanie called into the office yesterday and FR-19's were processed accordingly. The office management team also reached out after the situation was taken care of to see if we could address any additional questions or concerns and our office did not receive a call back. "

"Melanie, I have copied the same response from your husbands review as this is the same situation. "Shane, I apologize for your frustration with the process of switching your business insurance over to our office to save over $2,000 annually. Once applications for new policies are submitted through our office they go to our corporate underwriting department for review. In the process of underwriting new policies it is common that additional questions arise before the policies are issued and mailed to you. If the questions from our underwriting department are not responded to in a timely manner then adverse action or cancellation of policies may take place. I am sorry that the underwriting questions were more than anticipated. You will receive any refunds owed from the cancellations of your policies." I did not see any negative notes in our system with regard to your home and auto insurance account besides saving you money on your policies when you switched over to our office in October 2024. Management in my office reached out to your household on 2/12/25 to address your concerns and see if there was anything else that we could help you with after seeing your husbands 1* review. Our office did not receive a call back from your household. It is protocol in our office to respond to all emails within 24 hours. If there is an instance when we do not there is typically an away message on the office representatives email directing any customer to call the office for service at 410-838-1010 if they are out of the office or unavailable for any reason. I do not see any notes in my system showing that any phone calls were placed to the office to address your situation. I apologize for the lack of communication pertaining to this situation as Bryan has been out of the office taking care of emergency personal family matters. Although we do have 14 other licensed insurance professionals in our offices to take care of your needs if you give us a call at 410-838-1010. Update: Melanie called into the office yesterday and FR-19's were processed accordingly. The office management team also reached out after the situation was taken care of to see if we could address any additional questions or concerns and our office did not receive a call back."

"Thank you for your wonderful feedback! I'm delighted to hear that Angela was able to guide you through your insurance options with such clarity. It's fantastic to know you felt well-informed throughout the process. Our team is here to assist you anytime, so don't hesitate to reach out for any other insurance needs or questions."