State Farm® Insurance Agent Joe Ruggiero

"My fiancé and I worked with Patrick and we could not be more satisfied with the high level of customer service, information, and overall ease that he provided in the of the process of switching insurance companies. Patrick was absolutely phenomenal! He took his time in answering all of our questions and ensuring our experience was absolutely A1! You will not be disappointed in making a change or acquiring State Farm as your insurance provider. Great job Patrick! Thanks again!"

"Joe has gone above and beyond to ensure that we have coverage that is right for us at the most cost-effective price. He also has gone way above and beyond to help me out with all of the various difficulties that have transpired since an unfortunate collision back in December. The level of customer service that I have received has been world-class. I would highly recommend his agency to anyone!"

"Tim Ruggiero reached out to me to see if I was interested in switching to State Farm, and at the time I had no reason to change providers. He asked me if I minded if he contacted me again when my insurance was going to renew. I told him I would like that. He faithfully called back, as promised, to check in and see if I wanted to compare rates this time. I told him yes and he sent me the info. I was very happy to see that his quote was coming in lower than what I currently was paying, but it was his dedication to providing great customer service that really made it easy to make the change!"

"Patrick was supremely helpful in my quest for a better auto insurance policy. He anticipated every question I had, got us much better options on our existing policies, got us more policies and coverage for things we hadn’t previously had, and STILL SAVED US 25%! He was also able to help my mother with new homeowner’s insurance. The man is a consummate professional and a real charmer. Would highly recommend calling him for any insurance needs, or just to hear a comforting voice. My only regrets are not asking him to take my mom out to dinner and not being able to give him more than 5 stars."

"Patrick was awesome ! I’ve been super busy with work and daily life so I hadn’t had a chance to get back to him but he sent me a reminder and it was super helpful and quick, especially with the holidays most people don’t get back so soon . He was also able to get me a excellent deal ! Thank you so much for helping me out ! I am happy I switched to State Farm !"

"(Translated by Google) It is very comfortable to find very kind people with the patience to serve you, very grateful for the help and reliability they provide. (Original) Es muy confortable encontrar personas muy amables y con la paciencia para atenderte, muy agradecida por la ayuda y la confiabilidad que brindan."

""I'm quite proud of myself for making a good choice in selecting "State Farm Insurance"! Wanting to quickly drop my current insurance company, I looked into 3 well known agencies. After comparing their premium quotes, State Farm came on top in being more competitive. My agent, Joe Ruggiero, spoke to me in layman's term throughout several conversations - - I understood everything, and felt comfortable with his knowledge, suggestions/advice. He was receptive to answering my "MANY" questions. His friendliness, yet professionalism was impressive. My auto and home policies become effective this Saturday!""

"I have been with State Farm for 17 years. I have never had an issue until now. State Farm had to drop my husband off of my policy, which I understood BUT they didn’t renew my policy 4 months after they dropped my husband and gave no notice that I wasn’t insured any longer. I spoke with Joe Ruggiero on Feb 4th of this year, he called to advise that my husband would no longer be insured but he could keep my husbands truck insured. I let him know that there was no need to do that because that is my husbands primary vehicle and I don’t drive that truck. I told him I wasn’t aware that my husband was being dropped and he explained why and he stated that I should’ve received a letter. I told him that I didn’t receive any letter but I understood that my husband could not drive my vehicle. He NEVER said that I had to sign a document because I could’ve drive to their office or maybe had it emailed to me. They relied on the snail mail for such an important document. Fast forward…a rock hit my window last week and I called to see if my insurance covered it. The lady who answered the phone tells me I haven’t been insured since June. I ask her why and she says she’s doesn’t know, there’s no note explaining why. She called me back after she spoke with the underwriter and said it was because I didn’t send back an exclusion letter. I explained to her that I spoke with Joe over the phone on Feb 4th and I don’t recall him saying anything about signing a letter because I would’ve came to the office to sign it. She went on to offend me and say that she can start a new policy but the price would be $332.00 a month (now that’s double the amount of what I was previously paying) I told her there’s no way I was paying that kind of money when I haven’t had any kind of claims in maybe 15 years until recently when an uninsured motorist hit my vehicle. She said she would have Joe call me the next day (he never did). I will be dropping them for my homeowners insurance as well as having my mother drop them. I don’t appreciate not getting a follow up call about this letter (that the lady verified was not sent certified) I don’t appreciate riding in Baltimore city with no insurance (unknowingly). If I never called, I would’ve never known. It’s disgusting how I was treated when I did nothing wrong. My bills were paid on time and in full every month. I went 15 years w/o any accidents. Thank God nothing happened during that time I was uninsured"

"Joe and everyone at statefarm in owingsmill MD are kind,professional and are willing to help you in best way they can. lastly everyone is patient and what ever information you need to know they explain it Thoroughly so can understand it. Thanks again urs truly Mr Greg H"