1. Bruce Culver - State Farm Insurance Agent

    1. Bruce Culver - State Farm Insurance Agent

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    Westminster, MD

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    Bruce Culver - State Farm Insurance Agent

    3.0 (2 reviews)
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    Services - Bruce Culver - State Farm Insurance Agent

    Homeowner or property

    Car and truck insurance

    Life insurance

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    9 years ago

    Bruce and his team are wonderful to deal with. I enjoyed the easy feel and they made me feel like there number one customer.

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    Saratoga Insurance Brokers

    Saratoga Insurance Brokers

    (3 reviews)

    Avoid at all costs!!! These guys are the WORST insurance agents I have ever encountered…read more I came to Saratoga Insurance when my previous insurance agent, Doug Seitz, sold his business. I had an auto insurance policy, and the rest of my family members used Doug for all of our insurance needs. Doug was a great insurance agent and it's unfortunate that Saratoga has run his business away. Their representatives do not respond to phone calls, emails, smoke signals, or carrier pigeons. How anyone gets in touch with them is beyond me. After a particular awful experience with Linda (who nearly let my auto insurance lapse from her lack of communication), I reached out to Ryan, who is listed as the VP on the website. He assured me that he would not only work to earn my business back, since I had purchased insurance elsewhere before my current policy expired, but would also get me a quote by the end of that particular day for auto insurance. Guess what? Never heard from him. My parents had a similar experience with their homeowner's insurance, and after 30 years with Doug, and then Saratoga, had to find a new insurance broker, who wrote them the SAME policy with the SAME insurance company, because Ryan and his crew stopped responding to emails and phone calls. The whole point of using an insurance broker, in my opinion, is to have someone else who will do some of the legwork for you-- find lower rates, answer questions about policies, etc. These guys do NONE of that, and they can't even respond to emails or phone calls. I can't imagine they'll be in business much longer, and rightfully so.

    We switched to this company after a horrible experience with our local Farmers agent who had…read morewritten us a horrible home policy that backfired. Hunter and Ryan have always answered calls and emails in a timely and professional way. They have arranged many policies for us and everything has been seamless. We just had to claim a windshield replacement and it was taken care of in 2 days. We are so grateful for the Saratoga team! Highly recommend!!

    Bruce Culver - State Farm Insurance Agent - homeinsurance - Updated July 2026

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