State Farm® Insurance Agent John Cho

"Sandy was very helpful providing information for my mom to switch her medicare supplement plan"

"John Cho and Sandy Warren are an awesome team. We insure our home and vehicles with State Farm and they listen when we discuss any concerns we might have. We have been with them for many years and will continue to do so."

"Sandy is the best!"

"I switched my insurance from out of state and Sandy was awesome to work with. She was incredibly helpful, quick to respond, and very friendly throughout the process! Highly recommend."

"I have been working with Sandy and John to decide specific options for my home, auto, and umbrella policies. Sandy is knowledgeable, professional, and quick to response with detailed information. She provided me with available options and suggestions for what to consider so that I can make informed decisions for my protection & risk mitigation. I have been very happy with my experiences with both Sandy and John."

"John and his team provide great customer service. They are friendly and always willing to help. They have a professional approach when it comes to being sure your insurance needs are taken care of. Sandy is the best!"

"Edwin is a great help!"

"Edwin was great! Definitely recommend contacting for your insurance needs!!"

"Sandra always takes great care of us, and our multiple policies."

"John Cho has helped us with coverage on multiple cars and homes since moving to the San Diego area about 10 years ago. We recently moved our last vehicle from Louisiana with Edwin taking care of us getting our insurance changed over the same day before I head over to the DMV. Thank you, Edwin!"

"I just would like to say that I received 5-star customer service from Sandy at State Farm (John Cho's office at 3520 College Blvd., Oceanside). I was requesting a modification to my homeowner's policy, and Sandy was very quick and knowledgeable during our interaction. Thanks Sandy!"

"Had to replace my windshield recently. Edwin assisted and was very helpful, courteous and professional. Thanks Edwin!"

"Felix!! He's a great agent, he easily answers questions and resolves doubts. Today he was very kind and quick to help without any problems. Thank you so much Felix"

"Sandy was terrific. She was quick and efficient with my paperwork and I was insured within the hour."

"Edwin was fantastic! Quick, easy, best price. A++"

"I've practically had John Cho's State Farm office on speed dial these last few months as I navigated options related to our son getting his driver's license and the various associated options and costs. Every time I call, the phone is promptly answered by a lovely, knowledgeable, and helpful human who seems to recognize me by name instantly. Edwin, Kerrigan, and Sandy have accompanied me on this journey of information gathering, option-exploring, and insurance-securing, and as a result of their guidance, I have added a Vespa (for me!) to our vehicle mix and I'm saving money in the process! Our new driver was added to our policy instantly and seamlessly, and we have received all the documentation we needed straight to our email inbox. In addition to vehicle insurance, we have property insurance through State Farm and they've been such a helpful resource in directing me toward business insurance for my specialized professional offerings. John's fortunate to have such a great team working with him, and we're fortunate to have had them in our corner for both our car insurance needs all these years. I would highly recommend them."

"Edwin provided outstanding customer service from start to finish! It’s clear that Edwin truly values his customers and their satisfaction. I highly recommend working with him if you want exceptional service!"

"Many thanks to Kerrigan Dye at State Farm for helping me make sure my old auto policy was updated and coverage transferred to a new vehicle that I recently purchased. Kerrigan answered all of my questions, provided useful recommendations, and made the process go smoothly."

"I was very fortunate to have Sandy W. assist me. She did a fantastic job helping me with my supplemental health insurance. She was very efficient. She knew more than the previous agents I spoke to. I definitely recommend this business if you want to get the job done!"

"We have been with John Cho's insurance agency since moving to CA some 8+ yrs ago. John and coworkers have always responded quickly and helpfully to my questions, offered good and courteous advice when warranted, and in general been a great pleasure to deal with for our home and auto insurance needs. As a January 29, 2026 update (my approximately 14th year, continuously with the John Cho agency), I was particularly pleased with help that Felix provided me today, helping me manage home and auto insurance needs."

"Got a quote that actually went in depth to describe what each individual part of the coverage was, which was a huge help for someone who's new to all the insurance terminology. Additionally, the team was very accommodating in that they were patient while I dealt with the process of actually buying the vehicle I'm getting insured. When I finally did call last minute to insure it prior to driving it home from the lot, Felix was very helpful with the process streamlining the set up and working with me to find a plan that was right for me"

"This review is on behalf of my dad who passed away recently. We need to update my moms and dads automobile and personal umbrella insurance policies and Edwin Song was amazing, so kind and quickly updated and processed everything we needed. So thankful to deal with nice, caring insurance professionals. Elizabeth Travis and Julie Stachowski"

"Extremely pleased with the quick and thorough response from Sandy! She provides the best customer service. Again, I want to give an excellent review for this office staff especially Sandy and the help she continues to give me. Called today and Sandy was so very helpful in answering my questions and sending me additional information. Kudos to her outstanding customer service!! I am very pleased with the customer service and response time I have received from John Cho and his staff. I want to give a special shout out to Sandy that works in the office. She has helped me numerous times and each time has handle my questions or issues thoroughly, efficiently and with respect. I would highly recommend this office to service your insurance needs."

"John Cho's office was amazing to work with when they assisted me with several policies! Their team was fast, knowledgeable, and great with communication. You will not be disappointed choosing John Cho's office for your insurance needs!"

"What a great State Farm office to work with! Edwin answered the phone when I called and was very pleasant. His knowledge and expertise are evident just based on the way he speaks about insurance. Would 10 out of 10 recommend working with this office if you're in California!"