State Farm® Insurance Agent Ginny Kelly

"Michelle kindly reached out to me to check to see if they were able to lower my rate. While they were not able to she took note to check back and Try again the next time my insurance comes due. She made the experience very easy to check as well as informed me on the policy's where I usually struggle."

"In the summer of 2024 I had been the client of a well-known American insurance company since 1976. The company to which I allude had thus been insuring my home and automobile for upwards of 48 years, during which time I had no traffic accidents and no moving violations on my record. Nor did I have a claim as to my home owner’s insurance until the spring of 2024. Said claim was in connection with a then recent hail storm and was denied. Nevertheless, I saw my premiums rising in cost at a very quick rate, especially over the years between 2016 and 2024. Indeed, I found myself calling my agent every year or two in recent times trying to find ways to lower my premiums. I ended up with no collision and no comprehensive coverage on my car (just medical and liability plus roadside assistance) and the maximum allowed deduction on the home owner’s policy. Still, as of the summer of 2024, auto insurance was costing me about $2400 a year, and home owner’s insurance had risen to about $2800 annually for a 964 square foot ranch-type house with no garage! As a result of conversations with friends about all this, one such recommended I contact her State Farm agent, Ginny Kelly, a mere 3 or 4 miles from my home. Ginny invited me to drop by her office for a consultation, at which time a contract for auto insurance to commence last September 1st was drawn up and agreed to. I now pay only about $1100 annually for auto insurance … only about 46% of the amount my old company was charging for essentially the same coverage. The home owner’s part of my inquiry with Ginny was in part dependent on an underwriter’s determination on the condition of my house, as it was constructed in 1972 and had its one and only roof replacement in 1997. Ginny, though gave me a quote should the house pass inspection, a quote which also was about $1100 annually … about 39% of what I would have to pay my previous insurer. So, naturally I said “yes” to our agreement and waited for the underwriters to do their inspection. Within a few weeks the inspection was carried out. The structure, including the roof, was given a full pass, but there was an issue involving a number of small trees, hedges and bushes growing so close to the house that copious leaves, branches and even stems and trunks of small trees were pressing against two of the exterior walls and in contact with shingles on the roof in places. The result was that I would be insured as is from September 1, 2024 to September 1, 2025 at the agreed-upon rate of $1100 per year but would not be renewed unless the landscaping issues were addressed sometime before the first year’s contract ran out. Well, I felt I couldn’t pass up a 61% savings or thereabouts into the future, so in December I effected a massive trimming project aimed at pleasing on their next visit the underwriters. Soon after my landscaping effort, I contacted Ginny to ask if she could send the underwriters back out sooner rather than later to give me ample time to make further amends. Apparently, the underwriters were on a fixed schedule which wouldn’t send them my way until much closer to September 1, 2025, because she volunteered to come out to my house, take a number of photos, and send them to the underwriters. (Wow! I was amazed by that! It would have been so easy to just say, “Sorry, this stuff works on a professionalized schedule; they’ll be out next July for a final survey.”) At any rate the photos she took worked like a charm, and I’m all set to go for another 60% savings next year. I’m convinced via my experience so far with State Farm that Ginny and those in her office stand with their clients … even go “the extra mile (about 7 miles round trip in my case)”."

"I have had State Farm insurance since I moved to Naperville. During that time I have had two wonderful agents. When my first agent, Steve Hartung, retired I was very fortunate to learn of my present agent , Ginny Kelly. Ginny and her secretary Michelle have provided me with outstanding service whenever I need help. They are both outstanding people and it is always a pleasure to find such professional people that look out for your welfare first. I highly recommend both Ginny and Michelle. I know that you will not be disappointed."

"Michelle Siuda was absolutely fabulous with helping me with new home and auto insurance. She was knowledgeable, professional and kind."

"Michelle was super friendly and helpful throughout our entire conversation. She thoroughly walked me through everything that I had troubles with and helped quickly come up with a solution. Would defintely recommend!"

"These folks are great and I really recommend their services!!! Thank you again!"

"Verey Responsive and detailed oritented. The team here helped me to walk through all the points and was able to provide the details required to sign up insurance. Great team and I would highly recommend"

"Switched from Allstate to State Farm recently, and Michelle from Ginny’s office did a great job taking me through that process and helping me get the quote and coverage I needed. Definitely recommend!"

"We have had a great experience with the team!!"

"Michelle is great!! She gave me a quote quick and easily! Great customer service!"

"The switch over for my Home, Auto and Umbrella Insurance policies was amazingly smooth and painless. Everything was handled promptly and efficiently."

"I have been a customer for over a decade and have gone through several policy changes, including a car accident. They always respond quickly and have been incredibly helpful."

"Michelle was so helpful with insurance on my car and dealing with the DMV!"

"I was looking for a car insurance quote and Michelle made the process so simple and easy! She prepared a few quote options for me to compare and helped answer my questions. Great experience!"

"We work with insurance agencies on a daily basis in the mortgage world and I cannot emphasize enough how nice it was working with Ginny Kelly’s office. Michelle was excellent and turned around our client’s request for insurance on a new home purchase immediately (within a couple of hours at most). Fantastic experience and I recommend highly"

"I filled out an online quote for life insurance and Michelle called me back the same day and got everything situated for me. She answered all my questions in the moment and didn't hesitate to dig a little deeper to ensure I was making the best decisions."

"I've been with Ginny for a long time. Thanks for everything, Ginny!"

"I recently called to get a quote on auto and home bundled and I had a great experience with Michelle. She was so responsive, kind, willing to answer any questions, and no pressure at all. I feel like my first time State Farm experience started off on the right foot."

"Great service and outcome. Efficient fair, and helpful. Received compensation immediately and was assisted right away. No questions or problems. It’s almost like nothing happened. Rental and completion was made without problems."

"Ginny and her team - especially Michelle - are great. They are super responsive when I contact them and they are always able to help!"

"Michelle Siuda has ALWAYS been extremely attentive to our needs and timelines. A recent change in my daughter's policy had Michelle on the phone to us to talk about the differences. Thank you for such awesome service!!!"

"Been with Ginny since I was 16 years old and I am now 36 years old. Couldn't recommend a better person."

"I am a new client who was looking for coverage within a couple of days and Ginny and Michelle were extremely responsive in making this happen. I also had several questions throughout the process and received an immediate reply each time. I highly recommend this agency!!!"

"Being hit by a tornado sucks. However my Team at State Farm has been amazing. Not only did my agent Ginny call me the night of the incident, but continues to call and check on me often. Michelle keeps sending me emails checking if there is anything that I need too! In this horrible horrible chaos, I could not ask for a better group of humans to be on my side. I recommend them to EVERYONE! They don't get better than this folks!"

"I had a great experience getting a quote at Ginny Kelly’s office :) rep Michelle was amazing and kind and super resourceful and I’m super glad I chose this office to call today. Highly recommended!!!"