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Sunday, July 14, 2019

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Business Spotlight: Barrios says State Farm more than just insurance

Business Spotlight: Barrios says State Farm more than just insurance

“The State Farm mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. That is exactly what I strive to do each and every day with all of my clients,” says Ashley Barrios, State Farm Independent Contractor.

State Farm Insurance Company was founded in 1922 and is the leading property and casualty insurance provider in the U.S.

“Many people don’t realize that we offer more than insurance coverage. We also offer mutual funds, vehicle loans, home mortgages, CDs, savings and checking accounts. And have amazing interest rates to offer,” says Ashley.

State Farm doesn’t deal in cash banking – it’s a virtual bank – but that’s why their rates are so great. Most agents are also bank certified.

“Our car finance rates and mortgage rates are awesome!” she says. “We pay higher interest rates on checking, savings, money market accounts, etc. Since we don’t have to pay salaries or brick and mortar costs like banks do, we can give more back on interest to your accounts,”

Ashley Barrios has been with State Farm for more than 26 years. In 2006 she became an independent contractor and opened an office in Lockport. In 2012 she moved to her current location, 192 Hwy. 3161 in Cut Off, to be closer to home and her clients.

There are four fully licensed agents under her direction along with a very skilled office staff. Together, the group has more than 70 years of experience with State Farm.

“I come from a State Farm family. My mom, who is my office manager, has worked for State Farm for over 40 years,” Ashley said.

Everyone who walks through the door has a favorite agent in the office and can find an agent to meet their needs.

Each personality within the office differs but all blend together to provide honesty, experience and a pleasurable atmosphere for customers.

State Farm deals with everyone from low to high-income people to those who need education and direction in the field.

The insurance market is changing. With pressure from FEMA and the Corps of Engineers regarding flood and wind zones, Louisiana residents are feeling the impact.

“We’re in hurricane and wind prone areas and prices are through the roof so no one wants to write policies here because exposure is so bad,” Ashley said.

There have been a lot of changes with hurricane deductibles as well as laws and legislation in the state that affect the insurance market in Louisiana. Market penetration, mainly south of the Intracoastal, is also changing the insurance game.

Lafourche has seen an influx of uninsured and unlicensed drivers, which affects car insurance rates.

“Since we’re not a ‘no fault’ state, people tend to milk the system. Drivers do not feel the need to get insurance thus causing the insured party to assume all costs of an automobile accident,” said Ashley.

The no-fault system is intended to lower the cost of auto insurance by taking small claims out of the courts. Each insurance company compensates its own policyholders (the first party) for the cost of minor injuries, regardless of who was at fault in the accident. Without having the no-fault system, insured drivers are being punished with higher rates in case they are in an accident with an uninsured driver.

“We have to roll with the punches and deal with the changes that are coming our way because we don’t know what will happen. But we will definitely do our best to inform our customers and offer the best service around,” said Ashley. “It’s the price we pay to live in paradise and I couldn’t imagine living anywhere else!”

To make an appointment with Ashley Barrios or one of her agents, drop in between 9 a.m. and 5 p.m. Monday through Friday, call 985-632-0988 or visit her website For a quote or information, State Farm can be reached 24/7 by calling her office or toll free at 888-223-0032.