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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.

Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.

What our customers say about us...

Patient Nicole

May 19, 2023

5  out of  5 rating by Patient Nicole
"They are great 👍"


April 23, 2023

5  out of  5 rating by MVP DBM
"They are the best especially Tara. I needed help with an incident that happen with my car and Tara did not hesitate to help me through the process step by step explaining everything clearly along the way. While ensure that any concerns or questions were addressed and ultimately due to Tara's help I was able to get my car's issue resolved and fixed quickly :)"

audrey forte

November 29, 2022

5  out of  5 rating by audrey forte
"I spoke with Matt to negotiate a better rate than Geico, extremely communicative! Very fast! Very very kind! Super fast! Problem solving, made sure I was confident in everything. Loved Matt S’ customer service!"

C Church

October 12, 2022

5  out of  5 rating by C Church
"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

September 28, 2022

5  out of  5 rating by Thomas Pasko
"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

September 26, 2022

5  out of  5 rating by Rick Underhill
"Have bee n with them for over 27 years and find them a friendly helpful agency"

terry lyon

September 7, 2022

5  out of  5 rating by terry lyon
"I was rear-ended and my car got totalled. Tara was so helpful through the whole process. She is a GEM!"

Molly McGowan

April 30, 2022

5  out of  5 rating by Molly McGowan
"Dawn and Matthew have been so helpful to work with, made it so easy to set up insurance for the new driver in the family, did everything they could to help us get a great rate, very grateful!"

nicholas regan

April 20, 2022

5  out of  5 rating by nicholas regan
"practical, affordable, down to earth, and personable, three words and one phrase to describe State Farm. I recommend anyone looking for good quotes to connect with SF Insurance, thank you to all of you guys! Keep up the good work!"

Susan Dambrosio

April 20, 2022

5  out of  5 rating by Susan Dambrosio
"The State Farm Kernan Agency has been my insurance company for over 20 years! It was always a very simple process whenever we added a new car at various times throughout these years for one of our 5 driving household members. And, the occasional accidents were always handled very smoothly and professionally. I've been very pleased with the prices and services at the Kernan Agency!"

Colin Shafer

April 14, 2022

5  out of  5 rating by Colin Shafer
"5 stars is an understatement when it comes to this agency! This is an excellent, family oriented agency with excellent support for all customers. I am so relieved and excited to be apart of this branch. The support system they have in place for any and all questions you can have is second to no one and that is an extremely refreshing fact when it comes to an insurance company. Tom, Theresa and the rest of the family that picks up the phone/answers an email at the agency deserve all the credit in the world for being a reachable and understand group in a business where trust is worth so much. I am beyond refreshed to have switched to this company. Thank you from my family to yours!"

Rico James

March 29, 2022

5  out of  5 rating by Rico James
"We have been State Farm customers for over 30 years. The staff and service at the Kernan agency is top notch and we highly recommend this office to anyone looking for professional service, competitive quotes and friendly, knowledgeable staff."

Mary Anne Lynch

March 28, 2022

5  out of  5 rating by Mary Anne Lynch
"Tom and his staff are incredibly helpful, professional and caring. They instantly put me at ease when I have any questions or issues. State Farm's rates are the best. They never push me to purchase more than I need to cover my vehicles and my home. I have been with them for over 40 years and I recommended them often to friends and family."

Jeanne Dale

March 25, 2022

5  out of  5 rating by Jeanne Dale
"We have been extremely satisfied with the excellent and responsive service that we receive from Tom Kernan and team. I wholeheartedly recommend them."

Cheryl Hornig

March 22, 2022

5  out of  5 rating by Cheryl Hornig
"Dawn Bellapianta is very knowledgeable and very attentive. I trust that I am getting the best coverage and the best rates. I appreciate Dawn at State Farm! If you are looking for an agent - I highly recommend."

Miss Kiki

December 21, 2021

5  out of  5 rating by Miss Kiki
"Tom is great & Dawn"

Frank Coriddi

June 13, 2021

5  out of  5 rating by Frank Coriddi
"We have been clients of Tom and his great State Farm staff for years. They are very attentive and knowledgeable regarding the home and auto insurance needs for my family. I don't even have to call them, they call me to discuss any changes or clarifications regarding our policies. It doesn't matter who I speak with, Tom, Diana, Dawn or Tara. Tom even provided his cell number if I ever need to contact him outside business hours."

Glen VanDerwater

June 3, 2021

5  out of  5 rating by Glen VanDerwater
"They have provided me outstanding customer service!"

Alex Brewer

November 15, 2020

5  out of  5 rating by Alex Brewer
"I was reached out to by Diane Fiorito about a request I made for a quote online. From the second I started talking to her on the phone she was beyond helpful. She brought an experience to the table that you cannot put a value on. Diane found out that there were some false accident records on the driving record of my fiancé and that was what was causing our insurance rates to go up. Diane helped point us to who we needed to talk to to get those sorted out and because we were on a sort time frame to not have a lapse in insurance, Diane was able to get the false accidents to not be a part of our quoted price. There was also another hiccup due to how I signed one of the forms and Diane was very responsive and proactive to getting it fixed. Diane gave us several options on how to fix it. Long story short, if you need insurance and want someone to actually care about getting you a good deal, reach out to this branch of State Farm and ask for Diane Fiorito. Also, if Diane's supervisor is reading this, she deserves a raise!"

Wayne Eidman

August 28, 2020

5  out of  5 rating by Wayne Eidman
"i have been with them since i was 16 and im 36 now they are awesome and very helpful when i call them, when i call them they know who i am as soon as i start talking and they really treat u like family, my parents have been with them a lot longer then i have, and we wouldn't go with anyone else."

M & N Contracting LLC

August 9, 2020

5  out of  5 rating by M & N Contracting LLC
"Great people easy to work with"
Profile photo of Kip Finley

Kip Finley

May 26, 2020

5  out of  5 rating by Kip Finley
"The State Farm Kernan agency in Chili has always been helpful. But, especially this Memorial Day weekend when we wanted to get insurance started on a car we purchased and really wanted to drive it over the weekend. Tom Kernan made it happen. Thanks."

Katie Cieslinski

May 16, 2020

5  out of  5 rating by Katie Cieslinski
"Highly recommend, phenomenal customer service, amazing attention to detail and great follow through."

Richard Testa

May 11, 2020

5  out of  5 rating by Richard Testa
"We've been with Tom and the Kernan Agency for over 8 years now. Tom and his team are honest, professional and extremely responsive. Tom currently handle our fleet of 10 delivery trucks as well as all of my personal insurances. Having been in the service industry for over 20 years now I don't give referrals to family & friends for just any vendor. I have recommended the Kernan Agency to many of my family as well as many friends. I have 100% confidence that Tom and his team will treat them as they've treated me and my company for all these years...with nothing less than 100% focus on customer satisfaction! Tom, Theresa and the entire staff at the Kernan Agency, thank you for all the years of dedicated customer service with a personal touch! You guys are truly a valued partner. Thank you"

John Schleyer

February 11, 2020

5  out of  5 rating by John Schleyer
"Tom Kernan agency is by far the best insurance agency I have ever used. when I was having trouble getting my out of pocket car rental reimbursement from from another insurance company Tom had Tara work on the problem and it was resolved quickly thank you Tara"