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    Carmen Moya - State Farm Insurance Agent

    3.3 (7 reviews)
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    Services - Carmen Moya - State Farm Insurance Agent

    Car and truck insurance

    Life insurance

    Homeowner or property

    1 More Service

    Vehicle

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    Ask the Community - Carmen Moya - State Farm Insurance Agent

    PHP Agency - The Best Insurance Agent in Washington, DC.

    PHP Agency

    (1 review)

    this company is shady at best, straight up criminals at worst…read more About PHP Agency: What You Should Know PHP Agency presents itself as a financial services company, but there are serious concerns about their business model that you should be aware of: Recruitment-Focused Model: PHP makes most of its money from recruiting new agents, not from selling financial products. This is why they heavily target young people and minorities with promises of wealth and success. Pay-to-Play Structure: Legitimate companies don't make you pay to work for them. The $200 "enrollment fee" is a red flag that successful financial firms don't require. Low Success Rate: The average agent earns only about $3,272 per year, while spending money on training, licensing, and often buying their own insurance products. Unsustainable Growth Model: The business model requires continuous recruitment of new agents, which mathematically cannot continue indefinitely. Product Concerns: Their focus on Indexed Universal Life (IUL) insurance has been criticized by financial experts as underperforming compared to simpler investment options like index funds. If you're interested in finance, consider pursuing education and licensing through established institutions, which won't charge you upfront fees. Traditional financial firms hire employees with a base salary while they learn, rather than making them pay to join.

    From the owner: PHP’s mission is to provide financial education to the underserved communities in America and help…read moreprotect their families’ legacies through life insurance products. Call/Text (469) 653-9736 for a FREE Quote!

    AAA Insurance

    AAA Insurance

    (2 reviews)

    I got AAA roadside Assistance and I use the service for the first time this weekend. My car had to…read morebe towed from my residence to the shop of my choice. I confirm the address with the tow person and expected it to be there and being worked on. I had called around and found a place that could fix the car on the same day and this was a Saturday. I called the shop few hours later to see if it was ready. They informed me that the car was not there. It was almost closing time for them. I was assuming it would be done by then. They towed the car to a ADDRESS AND LOCATION. They took the car to a AAA workshop that was a mile away from where i wanted it to be. I did not get my car back till Sunday morning because the keys were in the shop and they could not tow it back to where I needed it till Monday when the shop opened and I could get my keys out of there, so my whole weekend was done I had no car I had to pay so much extra to get it fixed. I chose the shop because it was way cheaper and would have been done the same day. So, I had to get it fixed at the AAA shop where I paid more I took Ubers everywhere I had to miss work on Monday but I asked them to give me a rental at least so I did not miss a day of work. They said they could not give me a rental right away, but I could get the rental and then ask to be refunded for all the expenses. I had to rent a car for Monday and had my car fixed on Monday and then had to go pick it up. It was a nightmare and this was the first time I used AAA so my experience with AAA has been so bad I don't think I will ever recommend or have it myself ever again

    We have been members of AAA for past 30 years. They have a great towing service. I have used AAA…read morewhenever my car needed to be towed to a repair shop or the car battery had to be replaced. Their IPhone app works well and I have is used it to contact service center for a tow truck. The AAA membership is renewed annually. We also use AAA to obtain map and travel guides, which are free to members.

    Carmen Moya - State Farm Insurance Agent - homeinsurance - Updated July 2026

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