Paul Richter - State Farm Insurance Agent

Category: Insurance agency in Salem, Oregon

Address: 4093 Commercial St SE #160, Salem, OR 97302, USA

Phone: +15033631943

Opening hours

Sunday: Closed

Monday: 9AM–5PM

Tuesday: 9AM–5PM

Wednesday: 9AM–5PM

Thursday: 9AM–5PM

Friday: 9AM–5PM

Saturday: Closed

Reviews

Rosa Peterson

Dec 9, 2021

My family has all used Paul Richter for auto and home policy's, a lot of us have switched over to new insurance company's due premiums being too high with Paul, but also experiencing lack of manners and poor quality from his office. about a week ago a client and myself went into Paul's office to update a policy. client is mostly Spanish spoken and has been covered with Paul for over 10 years, I was there for support. Paul's response was unpleasant, uncomfortable and unhelpful we left. Later the client emailed Paul cancelling policy and requested information to be sent over to a new agent. A day or 2 goes by and no information has been sent to new agent. I call the office to reach out and I'm told it will take 3 days. waited.. no information email to new agent. called. Now supposedly it will take 24 hours. Still no information. We just want to be DONE with Paul and his office.

Kenneth Ryder

Jul 12, 2018

Deserving of no stars, but that's not an option. I've been with State Farm for 40 years, the last 20 with Richter; can't ever recall him reviewing the policy to be sure that its provisions adequately covered my needs. Filed a claim last month for damage caused by a neighbor's tree falling onto my property; claim was denied outright. Don't ever think that Richter will advocate for your cause; my experience is that he'll take your annual premium with a smile, but leave you out to dry when you file a claim. Switching to another insurer for better coverage for half the price. Beware: there are no Good Neighbors at State Farm

DEAN SAGEN

Jul 10, 2018

Paul has served us well for more than 30 years. He has taken care of emergencies and claims fairly, quickly and efficiently. I highly recommend Paul as an agent.

Josh M

Jun 12, 2017

Me and my wife have been with Paul for over 16 years. This is our story. We have two cars and a home. Earlier this year we started shopping for an SUV. I called talked to Paul to find out how much my insurance would change adding another vehicle. Obviously I wanted to know because different vehicles can cost more. I was looking at a Ford Explorer limited. So I asked Paul for a quote. We talked for about 20 minutes. Final monthly cost was quoted at 204 and some change. Not bad only an increase of about 40 dollars for us. It had all the safety feature which we really liked. Picked it up a week later. This of course is where it all goes down hill. I called to add the new vehicle to our coverage. Only to find out the price is actually 261. I'm like no I talked to Paul last week 204 was the quoted price. The response was oh it looks like he forgot to include the home. This was a lie because I know my home insurance is only about 30 dollars. The math didn't add up. Paul never talked to me again only Elizabeth. And she insisted it was for the cars only. These people are shady. They don't care what they quoted or keep track. Price can and will change whenever they feel like it. My advice steer clear look for alternatives. I canceled my insurance with them three days later and ended up saving 130 dollars a month. Do yourself a favor shop around. I guess I owe them a thank you for making me shop around and save money :)

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Questions & Answers

What factors influence car insurance rates?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports.

What is the difference between market value and replacement cost?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

Market value is the amount a buyer would pay for the home and land in its current condition. It is influenced by factors such as proximity to good schools, local crime statistics, and the availability of similar homes. Replacement cost is the cost to rebuild the entire home.

How fast can I get car insurance coverage?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

As long as you have all required information and go through the application process, coverage can begin immediately. For the most accurate quote, you’ll need to know your car’s make, model, mileage, and year. We’ll also need to know a little about you and your driving history.

Is my payment information secure on your website?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

At State Farm, we take your concerns about online security very seriously so you can pay without worry. We employ industry-standard controls for protecting customer data and keeping the server environment stable.

Why should I sign up for the Paperless Notice of Privacy Policy?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

You can reduce the amount of paper you receive by signing up to go paperless. You can view the Notice of Privacy Policy online instead of receiving a mailed copy. You'll also help State Farm achieve its green mission.

I am a current auto insurance customer, why can't I get a quote for another auto policy online?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

If you're a current State Farm auto policyholder, you can get a quote by following these steps: 1) Log into your account. 2) Select your current auto policy. 3) Click Quote/Replace a Vehicle. The request will be forwarded to your agent for processing.

Does my homeowners insurance cover detached structures on my property?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

Yes. In addition to your dwelling, State Farm covers other detached structures located on your property that are separated by clear space from the dwelling. The basic policy covers other structures at 10% of your dwelling coverage. This includes but is not limited to: Detached garages, Equipment sheds, Barns, Guest cottages.

What if I have more than four vehicles or four drivers in my household?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

If you need a quote or coverage and have more than four vehicles or four drivers, contact a local State Farm Insurance agent.

What can I do on the State Farm mobile app?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

You can take care of insurance and banking accounts, get roadside assistance, file and check your claim status, and lots more.

Can I use my check card or debit card?

Paul Richter - State Farm Insurance Agent | Jul 19, 2022
Paul Richter - State Farm Insurance Agent | Jul 19, 2022

State Farm accepts most major credit and debit cards.

How much insurance coverage should I have on my home?

Paul Richter - State Farm Insurance Agent | Jun 19, 2022
Paul Richter - State Farm Insurance Agent | Jun 19, 2022

The choice is yours, but State Farm recommends you choose a coverage limit at least equal to your home’s estimated replacement cost. (The estimated replacement cost isn’t the same as the market value, which is the price you can expect your home to yield on the market.) If you choose a coverage amount less than the estimated replacement cost, you may not be eligible for certain coverages. Since no one can say what the exact cost will be to replace your home in the future, you’ll need enough coverage to account for unforeseen circumstances.

How do I download the State Farm mobile app?

Paul Richter - State Farm Insurance Agent | Jun 19, 2022
Paul Richter - State Farm Insurance Agent | Jun 19, 2022

Text MOBILE to 78836 to get a link to the app or download from your app store.

Can I pay by phone or mail instead of online?

Paul Richter - State Farm Insurance Agent | Jun 19, 2022
Paul Richter - State Farm Insurance Agent | Jun 19, 2022

Yes. State Farm has ways to ensure the security of your payment information, but if you're uncomfortable making an online payment, you can forward your application to a State Farm agent. They will contact you about payment arrangements. The coverage effective date will depend on the new payment arrangements made with the agent For additional questions, contact an agent or see our Privacy Policy.

What if I have a vehicle that's not listed on the Vehicle Type section?

Paul Richter - State Farm Insurance Agent | Jun 19, 2022
Paul Richter - State Farm Insurance Agent | Jun 19, 2022

Please contact a State Farm agent if you're trying to insure a classic automobile or any atypical vehicle-types. Examples include motorcycle, snowmobile, camper, ATV, etc.

What is the difference between sending my quote and purchasing with an agent?

Paul Richter - State Farm Insurance Agent | Jun 19, 2022
Paul Richter - State Farm Insurance Agent | Jun 19, 2022

You may send your quote to an agent anytime during the quote process. If you haven't completed the online form, an agent will contact you to complete the process. If you received a quote online, you can still purchase with an agent. The agent will contact you to gather any additional information.

What coverage is provided under homeowners policy?

Paul Richter - State Farm Insurance Agent | Jun 19, 2022
Paul Richter - State Farm Insurance Agent | Jun 19, 2022

The policy includes coverage for your home and other structures on your property such as a detached garage or shed, and your personal belongings. The policy also includes personal liability coverage which may protect your finances by paying for covered damages that you’re legally responsible for, including a legal defense.

How can I pay for my insurance if I decide to purchase it online today?

Paul Richter - State Farm Insurance Agent | Aug 18, 2021
Paul Richter - State Farm Insurance Agent | Aug 18, 2021

State Farm accepts most major credit and debit cards.

I changed my mind about purchasing this insurance. What should I do?

Paul Richter - State Farm Insurance Agent | Aug 18, 2021
Paul Richter - State Farm Insurance Agent | Aug 18, 2021

You can save your quote to continue at a later time. When you save your quote you will receive an email containing a link to the application process. If you've received a State Farm reference number, your application has already been submitted. Your agent will be contacting you to discuss your policy. You can wait for your agent to call or contact them to discuss your options. If you did not receive a reference number, your application was not submitted and your payment should not be processed.

When does my coverage start?

Paul Richter - State Farm Insurance Agent | Aug 18, 2021
Paul Richter - State Farm Insurance Agent | Aug 18, 2021

Your coverage begins once you receive valid proof of insurance. You can access your proof of insurance online.

Is my account number the same as my policy number?

Paul Richter - State Farm Insurance Agent | Aug 18, 2021
Paul Richter - State Farm Insurance Agent | Aug 18, 2021

No. A policy number is an alpha-numeric code unique to each individual policy at State Farm. An account number is a 10-digit number associated with a State Farm Payment Plan.

Do I have to pay for an online quote?

Paul Richter - State Farm Insurance Agent | Aug 18, 2021
Paul Richter - State Farm Insurance Agent | Aug 18, 2021

No. The quote is free. The quote provides an estimate based on the information you provide and contains descriptions of available coverages.

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