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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...

Tenille Billie

February 22, 2023

5  out of  5 rating by Tenille Billie
"I’ve been a loyal customer of State Farm for years after having insurance with Geico. When I was in an accident I received a call from Ray office asking how I was doing and that made me feel important to them. After having State Farm for over a year, I talked to Ray who asked me if I had life insurance which I didn’t. I tried before and was denied and everywhere I looked wanted to charge me high prices. After talking to Ray and he explaining the life insurance to me, I set up and appointment where a nurse came to my job and I’ve had life insurance since than. When ever I have a question or concern I can send out a text or call and his team is always available. They have wonderful customer service."

John Pollard

January 20, 2023

5  out of  5 rating by John Pollard
"I've had my auto and renters insurance with Ray Garfinkel and his team for years now. They are always on top of my insurance needs - even when I'm not. Recently I reached out for coverage on my home and was amazed by the friendliness and professionalism of their agent Melissa, who worked hard to get us the best insurance available. We couldn't be happier!"

Lisa Riley

January 19, 2023

5  out of  5 rating by Lisa Riley
"Melissa with Ray Garfinkel's office always provides stellar service! We've been with them for over 20 years and have always been satisfied with the level of care we receive."

Vivian Raysor

January 11, 2023

5  out of  5 rating by Vivian Raysor
"I love working with Ray and his staff they are very pleasant and always able to help you..Enjoy being a client and love being a customer of State Farm"

Paul Allen

November 22, 2022

5  out of  5 rating by Paul Allen
"Ray Garfinkel and his team are absolutely top notch! No matter our needs, I always rest assured that Ray will get the job done right and do it incredibly quickly. We have been with him for 10 years, and look forward to continuing our relationship for may more decades to come!"

Nora Alder

November 22, 2022

5  out of  5 rating by Nora Alder
"The whole team is responsive and well informed. Love Ray!"

Laura McGlauflin

November 22, 2022

5  out of  5 rating by Laura McGlauflin
"Ray and his staff are the greatest. Locked my keys in my car, called Ray, and submitted my receipt. Very easy and the reimbursement will come quickly. Ray is a great agent. Every time I have had a question, I called the office, and Ray and his staff took care of me right away. It is good to know that I have a great insurance agent whenever I need one!!"

michael mandel

November 16, 2022

5  out of  5 rating by michael mandel
"The team was very professional and genuinely cared about my concerns. Melissa Burton took ownership in getting my issues resolved"

Brent Faecher

August 9, 2022

5  out of  5 rating by Brent Faecher
"Ray was a pleasure to work with when I needed renters insurance for my home. Very familiar with the broader Richmond area and very nice guy. Definitely recommend!"

Ken Schneider

June 22, 2022

5  out of  5 rating by Ken Schneider
"Two years have passed since my last review (below) regarding State Farm agent, Ray Garfinkel and his staff. It's important that I continue to receive 5 star service from companies I use and here is an example. Recently, I needed assistance on an insurance matter that wasn't in Richmond, but Ray spent the time to research my question and provide the answers I needed. Thanks so much for going the extra mile to help me where other agents might not!!! Previous review---I typically don't do reviews but because there are many agents out there competing to earn your business it's not easy knowing who to pick when you are looking for one. So, I wanted to let others know how pleased I have been with Ray and his staff. From my first meeting Ray's experience and knowledge was evident in addressing my questions. Ray has provided great recommendations on handling some sensitive and difficult situations...Whenever I have needed Ray and his staff they have been responsive which speaks volumes today...I am confident in using Ray for all my insurance needs."

Sajad Hollywood

June 20, 2022

1  out of  5 rating by Sajad Hollywood
"I have been with them for a long time and I was pay $139.77 per month, I was ok to pay that, suddenly they charged me $188.36 June. and now I am seeing $177.77 for July, I called in and asked Ray Garfinkel that why I was charged that amount and why is this different, despite speaking so harsh on the phone, he didn't even give me a solid reason why. I was not informed about the price increase and asked him why I was not informed, he simply you can get somewhere else and he simply hung up on me. In Conclusion, it was so disrespectful, I never recommend them to anyone who works hard and has to pay to Ray Garfinkel for nothing. Not a good customer service, disrespectful."

Elaine Brewer

June 9, 2022

5  out of  5 rating by Elaine Brewer
"Ray and staff are always helpful when I have any questions."

Charlie Collins

June 9, 2022

5  out of  5 rating by Charlie Collins
"My experience when switching auto insurance carriers to State Farm has been pleasantly surprising. Sheryl was helpful, personable, and frankly, great to work with throughout the process. It has given me a high degree of confidence that this company is committed to hiring good people who work hard to provide good service to their clientele."

Enrico Hipolito

June 8, 2022

5  out of  5 rating by Enrico Hipolito
"Sheryl Oliver was nice and helpful. She wasn’t pushy and made me feel comfortable."

Elizabeth Kellison

May 19, 2022

5  out of  5 rating by Elizabeth Kellison
"I spoke with Sheryl Oliver. She is absolutely amazing and what she does. Mr.Garfunkel she needs a raise lol. She was so happy to help me. I struggle with understanding a lot of things she was able to break everything down to me what made sense to me. I also got full coverage with bunch of benefits that is and amazing price. Thanks so much again Sheryl. I will be calling you soon for life insurance."

Ginny Grafton

April 1, 2022

5  out of  5 rating by Ginny Grafton
"This office is always so helpful and readily available when I call in. Thank you for all of your help from car to homeowners insurance!"

Joseph Lombard

March 2, 2022

5  out of  5 rating by Joseph Lombard
"We have several policies with Ray Garfinkel and couldn't be happier with the rates and service we have received over the years. Ray and his team have been a pleasure to do business with and would highly recommend him for any of your insurance needs."

Tim Hobbs

February 18, 2022

5  out of  5 rating by Tim Hobbs
"Caring for their customers as if they are family... There when you need them."

Frances Jackson

February 8, 2022

4  out of  5 rating by Frances Jackson
"Melissa Craft Burton really help me out when i need to get some insurance as i was about to retired and had to set up an LLC and get insurance before I left my company. Even though this was not in my original plans and had to be rushed, Melissa got me everything I needed. We have several policies with Ray Garfinkel and have had no problems with any of them. Will keep bringing my insurance needs to Ray Garfinkel."

Ernie Dettbarn

January 28, 2022

5  out of  5 rating by Ernie Dettbarn
"The best customer service ever. Sheryl is extremely helpful and willing to explain all of my questions. Great rates especially with the discounts."

Kelly Davis

January 24, 2022

5  out of  5 rating by Kelly Davis
"They always answer the phone promptly and offer fantastic rates! Highly recommended!!"

Lee Pauls

January 6, 2022

5  out of  5 rating by Lee Pauls
"Ray and his staff are very responsive and helpful to answer any questions or to resolve any issues with my coverage."


December 2, 2021

5  out of  5 rating by KKS
"Relocated and need home and car insurance. Ray and everyone at his office were very professional, responsive, super friendly. They made the insurance part of my move really easy. I don’t know if there is such a thing as enjoying buying insurance… but I think they did it for me!"

Ian Stewart

November 16, 2021

5  out of  5 rating by Ian Stewart
"Been with Ray for years. I’ve always gotten great service. His staff (Sheryl!! ) have always been helpful & have answered my questions"

Carol Patterson

November 5, 2021

5  out of  5 rating by Carol Patterson
"Terrific service by Melissa! She stayed apace with everything, tight timelines, great rates, no concern of ours too small to attend. Highly recommend!! She saved us a great deal!!"