Tom Kernan - State Farm Insurance Agent

Category: Insurance agency in Rochester, New York

Address: 3221 Chili Ave, Rochester, NY 14624, USA

Phone: +15858893210

Opening hours

Sunday: Closed

Monday: 9AM–5PM

Tuesday: 9AM–5PM

Wednesday: 9AM–5PM

Thursday: 9AM–5PM

Friday: 9AM–5PM

Saturday: Closed

Reviews

C Church

Oct 12, 2022

My husband has had State Farm for over 25 years, I have had them for several years and we both agree we never want to look elsewhere. The group at Chili is amazing and has always been so professional but also warming/caring like family. If I have a question about car insurance, house insurance, or even insurance for my valuables- I get quick responses to emails and/or phone calls. They are just absolutely amazing! Tara is on top of everything. She noticed a discount that wasn't added and made sure we got it. She and the rest of the team is truly AMAZING! We love them!

Thomas Pasko

Sep 28, 2022

I met my State Farm agent, Tom Kernan, as the coach of the 'other' hockey team that oftentimes shared the ice with my son's same-age team. After watching his exceedingly more well-planned practices and the contagious laughter emanating from his part of the ice, I found myself wanting to watch the magic he brewed with his players and coaches that made theirs a sought-after experience. It came down to the precise mix of knowledge, the right perspective and a good dose of wholesome humor. I found myself fortunate when the two teams merged with Tom earning the headcoach of the newly formed superteam. Soon after, I learned of his involvement in the insurance industry and he graciously answered my questions without ever selling me on the merits of State Farm. His industry and practical knowledge drawn from years of experience was palpable. His demeanor beyond reproach. In time, I asked for a quote and found my current provider was a bit more competitively priced. That didn't stop his thoughtful answers to my questions whenever a need arose. After some time, I started to think why I kept going to Tom for my questions, what did he provide that my own agent didn't? The answer came in looking back at the person who coached my son's hockey team those years back. Tom's knowledge was formidable, but if he wasn't quite certain of a topic he quickly got back to me with rock solid info. He was accountable. He had the right perspective. His entrepreneurial spirit grounded his approach that his customers are the life blood of his business and he knew it was a privilege to serve them. And finally, his demeanor is always welcoming with a solid dose of good natured humor thrown in, no charge. His should be a patent-able customer service artform. So, when my insurance needs peaked around a year ago, I asked for another State Farm quote. It was competitive. I realized that the agent you choose is an important component of the overall deal, and that put Tom's quote well ahead. I haven't looked back and am quite pleased with State Farm and Tom Kernan. I know that they're 'on my side.'

Rick Underhill

Sep 26, 2022

Have bee n with them for over 27 years and find them a friendly helpful agency

terry lyon

Sep 7, 2022

I was rear-ended and my car got totalled. Tara was so helpful through the whole process. She is a GEM!

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Questions & Answers

What factors influence car insurance rates?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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 can I do on the State Farm mobile app?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 2022

State Farm accepts most major credit and debit cards.

Does my homeowners insurance cover detached structures on my property?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 2022

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

How do I download the State Farm mobile app?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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.

How much insurance coverage should I have on my home?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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.

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

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Jun 28, 2022
Tom Kernan - State Farm Insurance Agent | Jun 28, 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?

Tom Kernan - State Farm Insurance Agent | Oct 26, 2021
Tom Kernan - State Farm Insurance Agent | Oct 26, 2021

State Farm accepts most major credit and debit cards.

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

Tom Kernan - State Farm Insurance Agent | Oct 26, 2021
Tom Kernan - State Farm Insurance Agent | Oct 26, 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?

Tom Kernan - State Farm Insurance Agent | Oct 26, 2021
Tom Kernan - State Farm Insurance Agent | Oct 26, 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?

Tom Kernan - State Farm Insurance Agent | Oct 26, 2021
Tom Kernan - State Farm Insurance Agent | Oct 26, 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?

Tom Kernan - State Farm Insurance Agent | Oct 26, 2021
Tom Kernan - State Farm Insurance Agent | Oct 26, 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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