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Toby Stevens - State Farm Insurance Agent

5.0 (2 reviews)
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Updated 2 weeks ago

Services - Toby Stevens - State Farm Insurance Agent

Car and truck insurance

Life insurance

Homeowner or property

1 More Service

Vehicle

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7 years ago

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8 years ago

I have my Auto and Renters insurance here. They are very nice people and are responsive when I have any questions!

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Ask the Community - Toby Stevens - State Farm Insurance Agent

Achieve Alpha Insurance

Achieve Alpha Insurance

(56 reviews)

I have spent months struggling with health insurance, red tape, and clerical errors that weren't…read moremine but left me without insurance. I was at my wit's end recently after being told that I had missed open enrollment (despite having applied before the deadline), and that I couldn't get an exception made. I have medications that I had to stop cold turkey months ago and have been without, and have been dealing with health issues I couldn't really afford to get care for because I was told I had to wait until November for open enrollment to start again. I posted on Facebook asking friends for advice, assuming it was pointless. But then one of them said I should look into a broker - an option I had no idea was available, nor that it was free. I looked through a list of brokers and found Gary Franke and his team; they sounded good, so I requested help from them. And thank god I did, because I tell you what - after months of metaphorically pulling my hair out over how stressful the runaround of insurance was, especially when I don't have much knowledge on the subject - Gary Franke and Heffernan Insurance Brokers had me squared away in a few emails and a single phone call. I couldn't believe how simple the process was. Gary got my information - how much I make a year, what exactly I'm looking for / need help with - and narrowed the insurance plans down to two that he said would be the most affordable and the most helpful for me based on my needs. Then all I had to do was choose from the two, let him know, and he got me enrolled and activated. No fuss, no stress. He was friendly, empathetic, understanding, and answered all of my questions thoroughly and without judgement - even the ones I personally thought were probably dumb questions. He was even willing to discuss my options with a family member that has been trying to help me with the process of getting on insurance, if she had any other questions she wanted to ask him. Even after I was on an active plan, Gary and his team have encouraged me to come to them if I have any further questions, and made sure I know they're available for any other advice I may need in the future. In conclusion, I literally cannot recommend Gary Franke and his team enough. They got done in less than a week - and only took as long as that because I had to make my choice on the plans and slept on it - what I was on the verge of a breakdown trying to do on my own for months. If any of the many people I had spoken to on the myriad of phone calls with WA Healthplan Finder, or any of the insurance companies, had just once suggested a broker, I could have escaped so much stress. If you're on the fence about a broker - do it. It's so worth it, and you can't go wrong with Heffernan Insurance Brokers, and Gary Franke and his team. They are extremely knowledgeable about all this stuff, and genuinely want to help you with what you need and where you're at. There's a reason they have so many 5-star reviews here; and I promise that those reviews are telling the truth, because I know mine is. Reach out to them. I promise you won't regret it.

Buyer beware, Gary is unethical. Back in 2017, I moved to Bellevue Wa. and was in need of health…read moreinsurance. New to the game I was unaware broker's fees are paid by the health insurance companies. Tamara, who works with Gary, was the agent of record and did a good. However, months after I get a call from Gary stating, "Tamara forgot to bill you." Not knowing, I gave him my credit card info and was billed $75... Pretty slimy for a whopping $75. I would have sued if still live nearby.

Totem Agencies

Totem Agencies

(4 reviews)

This agency has a mix bag of agents who run the gamut from good to poor. And in my situation I was…read moreassigned to a poor one who didn't provide the requested information and didn't follow-up over a long period of time. Management didn't do its job to investigate or follow up. As a result of major frustrations with the service we received, we moved all our policies to another agency in Seattle. Poor service is what we received from an agent who had been assigned to handle our commercial policies. He was consistently non-responsive to calls and emails. Totally unacceptable. Not what you want with an insurance agent or agency. We have used this agency for our homes, boats, cars, scooters and umbrella insurance policies for 20+ years without any claims. Its a family owned business that sells various insurance brands. However, when we decided to put our Bainbridge property into the short term vacation rental market last June, the newly assigned agent with several years of experience provided poor initial assistance and sustained this poor level of assistance until we left the company. Specifically, in April when I requested revisions to coverage levels, he didn't follow through on his to dos and did not respond to numerous calls and emails to him over a 7 month period. When I talked to management, the VP apologized and indicated that my commercial policies would be re-assigned to a competent agent (and one we have had confidence in). The VP wasn't specifically familiar with the situation, made no promise to investigate or follow up with me--just re-assign. While the re-assignment made sense, I had had it. I moved my policies and wrote an email to the same VP & cc"d the good agent who I mentioned favorably. She responded, but he did not. No follow through. Says a lot.

Totem found me a great deal on my insurance. Tripled my coverage and for about the same cost as I…read morewas getting from the Progressive website. Made the entire process very efficient and easy. I've recommended them to a few friends who have had a similar experience.

Toby Stevens - State Farm Insurance Agent - homeinsurance - Updated May 2026

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