Patrick Lau – State Farm Insurance Agent

Called his number to ask why my home insurance deductible went from $ 1000 to $ 2400. A lady picked up explaining that I accepted the higher deductible when I paid my premium. What happened was that State Farm quietly raised my deductible when I paid my premium. The fact is this company does not want to admit they have raised their prices. They do it by making you pay an extra fee to keep your original deductible. They didn’t explain it that clearly though. If you paid your original premium and thought everything was ok, you will get gouged come claim time. That’s what happened to me.
The lady, who had a condescending and insulting attitude, blamed me for my lack of insight. Hello! I am a busy real estate investor and I don’t have time to play games and research your nonsense. If you cared about your clients, you should at the very least call them and let them have a clear understanding of what’s going on, instead of being rude to them when they need help. I think customer service of this company is going down the toilet.
When my contract is up, I will be switching to a better company like Mercury or Nationwide.

Patrick is a very knowledgeable agent. His team is fabulous and great with customer service. Everything is done quickly and correctly. They always try to help me save money. Plus they speak Mandarin, Cantonese, Taiwanese… you name it! I highly recommend this agency.

After few years of services, Patrick is still my go to guy for insurance. He has been nothing but helpful since my last review on 2012. Keep up the good work Team Patrick!!!

I have to agree with one of the other reviewer on this site. They mistreat loyal customer and take advantage of those who doesn’t know english very well. My parent been with them for over 20 years. I bought my insurance with them for the first year but pulled out because of the high rate they where charging me and not offering me any discount. My sister recently left and went to my current insurance agent because of the lack of service she was provided after an accident. Secondly, her rate was outrageously high when compared to what my agent gave her. After my sister left, they increase my parent’s premium by $ 300. My dad was outrage BUT LUCKILY for them, my dad is very loyal. But soon I will convince my dad to leave this agent which isn’t hard because my agent use to work for Patrick and sold the insurance to my dad 20 years ago. My dad had a good impression of her is think about switching over to farmer insurance.

The staff is very friendly and helpful. They thoroughly answer any questions you may have. Would recommend.

First person I call when I have questions about life, auto, renters and home insurance. Patric and his staff are professional, kind and efficient. I am glad he is working, and looking out for me and my family.

I came into Patrick Lau’s office looking to get advice on which mutual funds to invest in. I found Patrick to be very knowledgeable about various mutual fund families and State Farm’s offerings. He helped me select a couple based on my risk profile and investment horizon. He even showed and explained to me different target date funds, which I didn’t even know about prior to our meeting.
Overall I found Patrick to be immensely helpful in answering all of my questions. I’ll definitely come back next time if I need more help!

I have known Patrick Lau for over seven years now and he is the most thoughtful and caring person you will ever met. He is detailed with his explaination about insurance coverage and his team is friendly, honest, and courteous. He always show me all the pluses and minuses about insurance and it is up to me to make the final decision. He is never pushy and always be ready to assist whenever I need his help. You will not go wrong with Patrick Lau’s office and you can always count on this team for the best and consistent service.

After reading the negative review that was left for Patrick, I decided to call him to find out what was true. State Farm now offers different tier of life insurance policies that wasn’t available when I bought my life policies over a decade ago. I have my home, liability, auto, my son’s educational fund and life policies with Patrick’s firm. Patrick has always been extremely honest with all of my needs even sharing about a mileage savings for one of my auto policies that could save me hundreds of dollars a year. If an agent was out just for commission, I don’t think they would spend the time to call me with tips to save money. Even though I have moved to Orange County, just knowing that Patrick is taking care of my account give my family and I peace of mind, even though I have been approached by other SF agents to transfer my policies to them.

Excellent customer service — friendly & accommodating! Before my auto-​pay credit card expired the staff from Patrick’s agency contacted me to update the information. I accidentally updated with erroneous information. They called again to verify and correct the information, and were extremely nice and understanding about it the whole time.
The 1-​star rating seriously surprises me – (s)he may be misinformed by the new agent. To my knowledge State Farm agent commissions are proportional to the premiums sold. In my case (a year ago) premiums for a saliva test policy cost significantly less than for a urine+blood tests policy.
Premiums are also based on risks/​conditions (age, health, lifestyle) current at the time of the policy; older individuals are generally higher risk, thus higher risk.
So if a salesperson or agent approaches me to purchase a new policy/​replace an earlier (lower premium) policy, he is clearly just trying to make a sale.
Last year I contacted Julia about increasing/​doubling my policy, which can be achieved with a new policy. She answered all my questions patiently and thoroughly as always, informing me that I’ll undergo current health testing and my premium may be higher due to older age, even with no changes to my health. She should expect a call from me again before my birthday.

Definitely recommend.
Customer service is great and the staff are all willing to answer your questions very thoroughly. They go over all the policies detail by detail making sure you understand your policy. They make sure you get the most bang for your buck.
Other places just want their commission and never really care for their clients. But not here.