State Farm® Insurance Agent Chris Obear

"Very pleasant to work with, and very friendly. Wanted to be sure I had the best insurance rates and proper coverage. Discussed my current home and auto policies to be sure I understood what they covered, and discussed where things may need to be changed. Saved me $1,000 a year on my auto insurance! Made me feel like a baked human, not a number, and not just a paycheck."

"Chris Kalla is one of the most professional people I have ever talked to. He’s straight forward without being rude or condescending. He gives you all the information you need to make an informed decision. I actually learned a bit more about insurance from him. He gives you what you want without trying to push you to get what would make the company more profitable. I highly recommend him."

"One of the agents Chris Kalla was very helpful and very responsive when reaching out. Highly recommend using this agency for your insurance needs."

"His service and care for your needs are top tier.Keep up the good work!"

"Mr OBear is very pleasant to speak very diligent and keeping up my coverages I have been with him 2 years now was transferred from another agent and I've been very very satisfied thank you"

"Chris Obear has been my State Farm agent for years. He’s diligent about making sure my coverage meets my current needs and checks in quarterly to make sure he’s on top of any changes, however small, are addressed immediately so I am properly covered. He is honest and has a level headed demeanor which makes him a pleasure to speak with — and he has never once tried to upsell me on any products like other agents have. What I appreciate the most is that he and Katie, the lady on his team I also work with, pick up the phone (rarely so I get voice mail) and treat me like I’m family. They’ve taken the time to get to know me and what I value. I feel safe having them in my corner and there’s really nothing that can replace that level of security. In short - the personalized, detailed way Chris does business is what I’m so impressed with. He will always be a core part of my life team. I can’t recommend him enough if you’re looking for personalized, caring, smart and fair home, auto, life and umbrella insurance representation."

"Chris and his staff have been great to work with ! Chris was very helpful and listened to our needs and offered his suggestions. Chris took over for my previous agent and has been doing a super job. He is very thorough and very knowledgeable about what State Farm has to offer. We appreciate what he has done for us and would recommend him to others."

"They are great people especially Katie she is on it every time we call she is a wonderful person"

"Chris, took the time to hear about updates to my policies. Very easy to talk to and very professional"

"Ready to help in any area of insurance coverage we have needed. Great service."

"Everything was great. Chris K worked on my policy and tailored it specifically for me."

"Had a great experience working with Chris who works for Chris Obear. Got me the coverage I needed and answered a lot of questions."

"Chris is a great agent. He went through our whole policy and reviewed everything with us. Would recommend him highly for all your insurance needs."

"This office is amazing and the customer service incredible!"

"James Howarth assisted me with making changes to my inurance plan and with obtaining homeowner’s insurance for a home I was purchasing. I was in very a stressful situation as I was on a pediatric medical mission in Guatemala and at the same time in the middle of trying to secure a home loan and close on a home in the U.S. with very little access to computers or WiFi. James was very kind and patient with me and very responsive. A true professional. He took the time to explain things over the phone in a way that I could understand them and was readily available for all of my questions and concerns every step of the way. We were able to get everything wrapped up quickly, and it really helped move everything along in the right direction! I highly recommend James Howarth at StateFarm for any insurance needs. He is definitely going to for all of my insurance needs going forward."

"Lied to me from the beginning about bill increases. Said we would save money every six months with drive safe and save but instead my bill goes up . No reason besides “corporate” definitely don’t recommend will be switching our car life and home Insurance this week"

"I have been a State Farm client for almost 20 years, with 3 agents in 2 states, and Chris and his staff have been the most comunicative, friendliest and easiest to work with! Chris stands by his word and makes sure his clients are well taken care of. My husband and I appreciate the work they have put in to make sure we are covered and happy with our Auto, Home and Life insurance policies. Ashley Adams"

"Just made the change on home & auto insurance. James was a huge help and very knowledgeable about all things insurance!"

"James is so sweet! He didn’t pressure me in getting into a policy I didn’t want like all the other insurance agents I’ve shopped with. He picked what was best for me! I recommend asking for him- he was very knowledgeable!"

"I just want to let everyone know and thank James personally. He was knowledgeable and took my need seriously. We shopped for a complete bundle. Home, auto , life , rental. He was able to fulfill all my insurance needs all in house and better price than what I was able to fish for on the internet . Thank you it’s like family here . So if you are anywhere in Tennessee and Kentucky give them a shout! Music City Baby"

"Very quick response time and great service from James Howarth! Had all the answers I was looking for and appreciate the patience"

"James made the entire process of switching our home & auto insurance quick & easy. Educated us on how the transfer goes, making certain of no lapse."

"James was great! He was very helpful and answered any of my questions patiently and politely. He made sure I got everything I needed while saving money!"

"Very smooth experience. They were able to increase my coverage and still save me almost $100/6mo. Very happy with the experience."

"Amazing customer service! James and Chris made me feel at ease and got me everything I needed and more."