Fernando R. Ruiz - State Farm Insurance Agent

Category: Insurance agency in Miami, Florida

Address: 17592 SW 137th Ave, Miami, FL 33177, USA

Phone: +13052560227

Opening hours

Sunday: Closed

Monday: 9AM–5:30PM

Tuesday: 9AM–5:30PM

Wednesday: 9AM–5:30PM

Thursday: 9AM–5:30PM

Friday: 9AM–5:30PM

Saturday: Closed

Reviews

Jamie and Shannon

May 6, 2022

My wife and I are new customers to Fernando's firm and can not be happier with our experience.. We moved all our insurance policies after a bad experience with our previous agent. We worked both with Fernando and his office manger Max, both of them were very professional and super easy to work with. They made a painful process painless! We would high recommend Fernando's firm. Jamie and Shannon

Active Spine

Jul 6, 2021

Lourdes was extremely helpful and attentive. I highly recommend them and Lourdes specifically, she was a pleasure to deal with.

Eugene Davis

May 26, 2021

Great, quick and knowledgeable service. Saved me $700.

Val Revuelta

May 20, 2021

Very informative with the insurance coverage. Great customer service provided. They went above and beyond to make sure they get you on the right track.

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Questions & Answers

What factors influence car insurance rates?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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.

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

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022

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

Does my homeowners insurance cover detached structures on my property?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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 can I do on the State Farm mobile app?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022

State Farm accepts most major credit and debit cards.

How much insurance coverage should I have on my home?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 2022
Fernando R. Ruiz - State Farm Insurance Agent | Jul 5, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 2021
Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 2021

State Farm accepts most major credit and debit cards.

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

Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 2021
Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 2021
Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 2021
Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 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?

Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 2021
Fernando R. Ruiz - State Farm Insurance Agent | Oct 3, 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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