1. Ryan Smeader - State Farm Insurance Agent

    1. Ryan Smeader - State Farm Insurance Agent

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    Kalamazoo, MI

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    Ryan Smeader - State Farm Insurance Agent

    5.0 (2 reviews)
    Closed 9:00 am - 5:00 pm

    Services - Ryan Smeader - State Farm Insurance Agent

    Homeowner or property

    Car and truck insurance

    Life insurance

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    8 years ago

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    8 years ago

    Great office everyone is so helpful!

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    Ask the Community - Ryan Smeader - State Farm Insurance Agent

    Nulty Insurance Agency

    Nulty Insurance Agency

    (1 review)

    I owned an insurance agency for over 20 years, until just a few years ago I had to medically…read moreretire, and almost didn't make it. It was "relationships" the actual person(s), employees, business owners that was important in my office. I guess things are different for this agency's employee base or at least Bill Shearer. Every conversation we had, whether written, oral or using technology, Bill's point he was driving home was not getting me a better insurance company (the 1 he did quote had been recently downgraded to a bbb financial rating -not optimal and the company rep who tried to answer my question about the rating didn't even know they were downgraded),k but what he could get .....and in his last email to me, he basically said: sign the agent of record letter and I can help you - if not, good luck. I HAD SIGNED 2 AOR's one made by me, the other he sent me electroncally, I signed and sent it, "he never got it." I'll tell you more about that day later.... Now I started my conversation after filling out their online form for a quote, what had happened that made me retire, that I knew their agency has a good reputation for service and how I came to that conclusion - which was why I was calling, after 23 years of being with another agency, it was time to shop agencies. Let me be clear, I am kind of a needy client, but there are reasons for that and because I know the industry. I had a coverage question ( I have cognitive issues now, so sometimes it's mot easy for me to understand things or have to relearn things) he explained it to me and almost made me feel stupid, because I had to ask again later - partly because of a difference in information I recieved from another carrier. He basically said: hey I told you that already...ok let's set an appointment which we never met because of issues with me, but also because of circumstances out of my control. .so here goes. I had rescheduled one meeting and was getting ready to meet Bill, but I didn't like his focus on commission and I wanted to wait till I had both renewals in my hand. So I called Bill told him what I wanted - he still wanted to meet and "get that agent of Record signed?" Ugh! Got to have it by the end of today or we'll have to wait a year".Ugh! OK, I'll get going. I go out in the garage, my tire was flat. Now I have Parkinsons and a disabled vet (which BIll knew) and while having great dificulty getting the lugs off - all but one and it broke my wrench. I called Bill to let him know I was going to have to call for assistance, which didn't come till later. I recieved at least 3 emails and a telephone call, basically telling me I have to the end of TUESDAY - that day or he couldn't help me this year (likeI'd go back). After the crew changed the tire, I thought about it and well be forgiving Robin...so I signed it and sent his electronic form/signature back to him. Left him an email telling him this, then later I left a message saying that I wanted to wait, until I had both renewals and this is what I got back: "I'm sure you tried to send it Wednesday but it wasn't completed properly or it wasn't submitted properly as I never received it nor is it completed when I go back into Formstack and check on it. I'm sorry this didn't work for you as I tried several different times and options to try and help you. Again, it's not that I CAN'T WAIT it's that these companies require at least 15 days to get an AOR changed over to a new agency and it's every company we have that require this. Today is the LAST day to get the AOR in as it would be exactly 15 days, so if you can complete it today, then great but if not, the company will not allow me to do an AOR for the auto as we won't have the 15 day window that they require." I" wish you the best as well and again I'm sorry if we can't complete this today as I tried all I could do to help you!" Issue 1: that's ok Bill I'm fine and the truck got fixed. Issue 2: Do you hear the Hey stupid?? Issue 3: You notice he says: "ITS NOT that I can't wait..." what I would have said was:' Hey, how'd it go after we hung up, you ok, truck ok? We can do this anyway you want, we can go with another company or go with the same company, I'll ask fora commission exception PARTICULARY because they have caused the problem by not getting your renewal out timely. Dana Nulty used to run a tight ship; I worked for Nulty as a carrier rep, maybe Dana's no longer there. I am going to copy this to the Operations Manager Ms. Tatum Culhane. IF YOU WORK WITH THEM BEWARE what the rep's focus is, let the buyer beware. Please forgive the typo's its very hard for me to type

    From the owner: At Nulty Insurance, we seek to provide an experience for a client when they purchase insurance, not…read morejust a one-time transaction. Because we're always looking for creative solutions, we're able to provide something for everyone -- whether they're looking to protect personal property, take care of their employees, or insure their business. To do it, we offer amazing customer service and cutting edge technology in a fun, friendly atmosphere. Our clients know from the very beginning that we'll work hard for them and that we care about them, not as another number in a ledger, but as a partner. We understand that relationships are built by people and we're not afraid to show that we're fun and friendly.

    Ted Kiesling - State Farm Insurance Agent - State Farm Logo

    Ted Kiesling - State Farm Insurance Agent

    (3 reviews)

    If you're needing to get back on your feet in regards to insurance, these folks have you covered. I…read morebroke my back a few years back and wound up going without insurance for over six months (I wasn't driving so I took coverage off my vehicle for about a year). When I got back to driving, MAN did I get a rude awakening. Every place I called was quoting me around 400 a MONTH for PLPD (mind you, I have a clean driving record. This was solely from being considered "high risk" for my lapse in insurance) Ted Kieslings office got me insured for about 150.00 a month and it has since gone down to 120.00. The office staff is PHENOMENAL and are very in touch with their clients. They also are very adept at explaining complex insurance issues; when the new liability coverage came out in July, they helped dissect what that meant for me personally (I did NOT have decent healthcare at the time and they informed me that reducing my liability coverage for short term savings [like ten bucks a month] could really come back to bite me in the butt if I were to injure myself or someone else further down the road). Overall, wonderful service. Not sure if the staff has changed or if there was more to the story for the older review, but honestly I recommend my insurance agent to everyone I know and I've never heard anything negative this far.

    Wish I could give LESS than one star... this office is the worst. Should have been tipped off by…read morethe totally unprofessional appearance of the office (a basement room in a dilapidated building, with dollar bills inexplicably thumbtacked to the ceiling) but decided to give them the benefit of a doubt. I could ignore the high rates and bad coverage (that was my bad for not shopping around I guess) but they lost me as a customer when, after I totaled my car in a pileup, they not only failed to file a mini tort claim on my behalf but LIED to me about it (told me they had put it in, and that they would "call me if there were any issues!"). It was a pretty rude awakening when I had to call the other insurance company myself, AND no claim had been filed... annoying AND embarrassing (AND a lot of money at stake). Bottom line: insurance is expensive and you spend a lot of money for it. THESE PEOPLE WORK FOR YOU, so they should WORK for YOU. This is not the experience you will get with Ted Kiesling... I would definitely go online. to one of the online brokers where you will not have to deal with any 'human error' or just lazy unprofessional folks not doing their job. Save your money and time!

    Rich DuBois - State Farm Insurance Agent - State Farm Agent

    Rich DuBois - State Farm Insurance Agent

    (3 reviews)

    I have only been with this agent for 5 years, but I highly recommend them. Rich and his staff have…read morebeen very helpful with a recent plumbing disaster and also when a deer hit my car last year. Good company, good people!

    Summary: I like State Farm. I dislike this one…read more I have been a loyal State Farm customer for years, but I switched because of my experiences with this office. Last winter, I got into an accident and called my agent the same day to make sure everything would get taken care of. The woman I spoke with told me that I needed to call the sheriff to get the insurance info of the woman who hit me (I didn't get it on the spot because the sheriff said he took care of it) and then call her insurance company to get my $500 deductible. She didn't even ask me if I was all right. She also rapid-fire listed off the places I could get my car repaired, so I asked her if I could receive the list via email or fax so that I could look into them and choose one. She said, "I _guess_ I could send it to you..." I told her not to bother. Later in the week, I received a call from their corporate office, and the woman I spoke to sounded shocked that I was asked to call the sheriff myself and said that they would take care of it. After that, we were all set. Then I noticed that my rate had gone up by $250/year. I called and spoke directly with Rich who told me it was a company-wide thing. I shopped around a little and discovered that I could save $360 by switching. Between the price hike and the bad experience, it was a no brainer. On the bright side, they made it VERY easy to switch.

    Ryan Smeader - State Farm Insurance Agent - homeinsurance - Updated July 2026

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