1. Bayshield Insurance Services

1. Bayshield Insurance Services

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San Jose, CA

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Bayshield Insurance Services

5.0 (8 reviews)
Closed • 9:00 am - 6:00 pm

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Homeowner or property

Car and truck insurance

Life insurance

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Rachel Bhan - State Farm Insurance Agent - State Farm Logo

Rachel Bhan - State Farm Insurance Agent

(111 reviews)

Berryessa, North Valley

An 82% increase in 2025!!!…read more I previously had a 6-month cost of $1,257.44, or monthly payment of $209.57 (but was charged $230.30/month and they have not explained why). As I understand, an at-fault parking lot incident would be 1 point. More than two years have passed with a clean record as well as mileage that decreased to 1/10 (if not even less) in the past 8 months. I had no significant increases until this year. I also checked with friends and family with State Farm in California, and they had approximately 17% - 22% increases (which CA approved), not an 82% increase! This is unique to their agency. They are stating that s previously stating that "2 full years have passed since 11/19/2022. A clean driving record with no at-fault accidents or violations is a 0 or SR. Because of this at-fault accident your driver rating should be a 6, but 2 years passed, meaning your driver record is currently now a 4." State Farm billing states that "For every 12 months since the renewal following the occurrence of a chargeable accident or the conviction of a minor violation, the initial assigned Driver Record Level for that chargeable accident or conviction shall be lowered by 1 level." This agency is stating "Every 12-month period, your driver record would decrease by 1 point, meaning this incident will be on your driver record for 4 more years." In the state of CA, at-fault minor parking lot incident is 1 point and is on record for 3 years. This was not a traffic violation or other serious infraction that would result in a 6 rating or longer lasting record. It does not make sense that they JUST decided to raise my payments by 92% after more than two years of a clean record when I am in year 3 and back to a 0 rating. ABSOLUTELY RIDICULOUS. I have obtained four 6-month quotes with other reputable auto insurers with my record that are within $250 of my previous $1257 6-month rate and will no longer do business with Rachel Bhan.

Reliable professional caring knowledgeable agent. Staff are also very on top of things. Efficient…read moreand fast with questions and communication.

Farmers Insurance - Peter Kuo

Farmers Insurance - Peter Kuo

(3 reviews)

North San Jose

My agent left the business, and my policies got transferred to Peter. I was happy in the few…read moreinteractions we had, but then the following happened: I asked to add my fiancee to my auto policy. They got her information, and said they needed to run a check on her out-of-state license, and then they will add her. 6 months pass, and I get my renewal documents - she is not listed. I email Peter, no response. I call the office - and the person I spoke to essentially says in a very nonchalant way: "oops, looks like we forgot to add her, now it's fixed". Huh? She was driving essentially uninsured for 6 months, you don't see how it's more than an "oops"? Blown away, I ask for Peter (who is apparently busy at the time) to give me a call back. Nothing. A day later, I call again, and again ask to speak to Peter as soon as possible. Again, no response. I had no choice but to change agents at that point. The lack of response and acknowledgment of their error was completely unprofessional. Mistakes do happen, but this is not a way to handle them.

I have been a customer of Farmers Insurance since 1992, and a customer of Peter's since 2004. I…read morehave several housing and automotive policies with them. Peter and his team are incredibly easy to work with. Everything can be resolved with a quick phone call or an email. This proved invaluable during a recent home financing where the bank required some changes to our home owner policies. Peter and Lucy quickly made the changes and emailed the new policies to the back--in minutes. Peter regularly reviews my policies to make sure I have the right amount of coverage for my own risk profile. In most cases this results in a net reduction of premium. I couldn't ask for better service.

Bayshield Insurance Services - homeinsurance - Updated July 2026

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