State Farm® Insurance Agent John Cho
Leave Us a Review
Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.
Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.
What our customers say about us...
Alejandro Fernandez
October 11, 2026
"Great customer service. Rep Christian was very straightforward and professional. Would highly recommend to anyone looking!"
"Thank you, Alejandro! It's great to hear that Christian provided straightforward and professional service. We appreciate your recommendation and look forward to assisting with any future insurance needs."
Rebecca
October 9, 2026
"I had a great experience working with John Cho’s State Farm office. Christian helped me transfer my car insurance from Colorado to California, and he was absolutely wonderful to work with! He was knowledgeable, friendly, and very helpful. He handled everything quickly and made the entire process smooth and stress-free. I truly appreciate his excellent customer service and efficiency. Thank you, Christian, for making the transition so easy! I highly recommend John Cho’s State Farm office."
"Rebecca, it was a pleasure to hear from you! It's wonderful to know that Christian made your car insurance transfer smooth and hassle-free. We sincerely appreciate your recommendation and are here for any future insurance needs you may have."
Karl Steinberg
October 8, 2026
"I have used John Cho's office for my insurance for many years. They are always responsive. Sandy is prompt, courteous and very helpful, always going out of her way to be sure issues are resolved. Much appreciated!"
"Karl, thank you for this 5 ⭐️ review, recommendation and for recognizing my team. We appreciate your business and hope all is well. With gratitude,
John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA
#ServiceServiceService"
Don Anderson
October 8, 2026
"I have been with State Farm for many years. I always ask for Sandy Warren. She has always provided excellent service for my needs. Whether for a claim or billing issues she gets things done quickly and with an excellent attitude. I recommend her to friends as the best one to help them with their insurance needs. I look forward to many more years of excellent service. Thank you, Sandy!"
"Sandy Warren really is a gem, and we’re glad you think so too, Don! It’s wonderful to know she continues to make things easy and bring a positive attitude to every interaction. Thanks for being such a loyal customer—we’re always here whenever you need us!"
chris dees
October 6, 2026
"Christian is responsive and diligent. Gets it done ASAP"
"Hi Chris, thanks for highlighting Christian's responsiveness and diligence! We're glad to hear he was able to assist you promptly. If you need anything else, feel free to reach out."
Glo
October 5, 2026
"I had the pleasure of working with Christian at John Cho State Farm, and I couldn’t be more impressed with his service.
I reached out to him on Friday regarding some information we needed for a time-sensitive matter. When I followed up on Monday, Christian responded immediately. Not only did he get us the information we needed, but instead of simply giving it to us and leaving us to handle everything ourselves, he took care of sending it directly to the third party, made sure we received a copy for our records, and kept us informed every step of the way.
The entire process was handled in an incredibly short amount of time—within about 30 minutes! He even followed up by email to make sure we knew what had been done and that we were completely in the loop.
Christian was kind, professional, extremely responsive, and truly on the ball. What impressed me most was that he went above and beyond to take care of everything for us. That kind of personal attention and customer service is rare and very much appreciated.
Christian is truly an asset to John Cho State Farm, and we are so grateful for the outstanding service he provided. Excellent service from start to finish!"
"Glo, it means a lot to know Christian went above and beyond when you needed help with something time-sensitive! Having someone who can step in, take care of the details, and make things easier when time matters can make all the difference. Thanks for trusting our team—we’re always here whenever you need us!"
Sarah Nash
October 1, 2026
"Sandy with this office is not only friendly, but also quick and efficient! Its always great to find an insurance agency that is easy to work with."
"Thanks, Sarah! We're thrilled to hear that Sandy made your experience quick and efficient. It's wonderful to know our agency is easy to work with. If you need anything else, feel free to reach out."
Gloria Mata
September 30, 2026
"Christian was so helpful and friendly. He attended to me with answers to every question I had. He was a great help and I liked the fact that he was bilingual."
"Gloria, Christian will be glad to know his help stood out to you! We're thrilled to hear he was able to assist you with all your questions and that his bilingual skills made a difference. We appreciate your trust in our agency and look forward to helping with any future insurance needs."
Vivian Perez
September 30, 2026
"Everyone is so friendly at this office, especially Christian! He has been such great help everytime we have a question or need to make changes to our policies. Thank you Christian!"
"Hi Vivian, thank you for your kind words! Christian and the rest of our team are always here to assist with your insurance needs. We appreciate your trust in us and look forward to continuing to serve you."
Gustavo Mata
September 30, 2026
"Very good staff…Chris Magadan made the process super easy!"
"Fantastic, Gustavo! It's wonderful to hear that Chris Magadan made the process easy for you. We appreciate your confidence in our agency for your insurance needs."
Eder Magadan
September 30, 2026
"I've always had a great experience when I have questions regarding my policy changes, quotes or any type of questions. Christian is very straight forward, very knowledgeable on insurance and great customer service."
"Eder, we’re thankful Christian has been someone you can count on when policy questions come up! Having a knowledgeable and responsive person there to help can make managing insurance so much easier. Thanks for trusting our agency and taking the time to recognize Christian’s service!"
Michele Loza
September 30, 2026
"Sandra Warren Office Manager was so prompt and helpful. After our nightmare of getting our car stolen and defiled, dealing with a sketchy tow company, and waiting for the estimate it was refreshing to have such an easy transaction with her."
"Michele, it's truly wonderful to hear that Sandra was able to assist you promptly during such a challenging time in your life. We want you to know that we are here for any future insurance needs you may have, so please don't hesitate to reach out. Take care of yourself!"
Douglas Berg
September 26, 2026
"We have been with John Cho's insurance agency since moving to CA more than a dozen yrs ago. John, Sandy Warren and other 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."
"Doug, thank you for taking the time to share your experience with my agency. We appreciate your business very much. Please continue to take care. Cheers! - John Cho"
ORALIA CRUZ
September 18, 2026
"I’ve been with them for over 15 yrs and I’ve never been disappointed! Amazing with every service they’ve provided to me."
"Thank you, Oralia, for your loyalty over the past 15 years! It's wonderful to hear that our services have consistently met your expectations. We look forward to continuing to support your insurance needs."
Ian Murdock
September 18, 2026
"I have been working with John and Sandy for, I believe, about 15 years now. Over this time, both have been extraordinary: professional, efficient, and ready and willing to provide and meet whatever insurance services myself and my wife might need - auto, homeowners, life insurance et al.
Aside from Sandy providing deeply detailed and informed information about any insurance product that I might be considering - or a change to an existing one - she has always, promptly and clearly, addressed any administrative concerns that I might have arise.
Most recently, as I’m approaching retirement age, I asked John if he would mind speaking with me regarding some significant financial planning questions that I had, as well as a few decisions I was pondering making related to those questions. I expected, or hoped, that the discussion would only take 15-20 minutes - not wanting to take too much of his time.
Consequently, with that goal in mind, I took the time to summarize my ideas via a fairly lengthy list of bullet points, as well as including some (mine) “reasoning” behind my potential moves. I also offered to pay him for the consultation.
John promptly agreed to talk with me, and we set up a virtual conference for a week or two later. Well, in short, John spent probably 35-45 minutes on the phone with me, listening to my expounded version of the written summary I had sent to him. He gave me his input, as well as additional guidance that he had sought out from a tax professional that he uses in his business - thus supplying me with possible, or potentially relevant tax implications, ones that any person ought to consider in this context.
John did not charge me any consultation fee for all of this sage and professional advice - not to mention the time that he spent doing so. I was extraordinarily grateful for his support and the willingness to meet with me, as making big life changes and decisions at this point in our lives - particularly ones that bear potentially notable monetary consequences, or worse yet mistakes - are not ones I wanted to make without bouncing the ideas off a couple of people (including professionals such as himself).
While this note or review was a bit lengthy, it was done so with the intent of crediting Sandy and John with the accolades that they most certainly deserve, and recommend anyone looking for an insurance team to strongly consider these two.
Sincerely,
Ian M."
"Hi Ian,
It’s been a pleasure being part of your journey over the years, and we’re grateful for the trust you’ve placed in our team. We’re happy to know we’ve been able to support you and your wife through important decisions and make things a little easier along the way. Thank you for allowing us to be part of your insurance and financial planning needs. Wishing you both all the best as you head into this exciting new chapter of retirement!"
garyweglarz
September 17, 2026
"We've worked with Sandy multiple times recently as we've been preparing to leave the country, closing claims, changing coverages, etc. She has been very prompt, helpful and pleasant to work with! She even helped us understand that we didn't need to accept a protection plan pushed by a storage facility, and that instead our own renter's policy could cover our belongings there. This allowed us to cancel the more expensive policy pushed by the storage facility, and continue to use our much better coverage under our current State Farm renter's policy. We couldn't be more pleased and grateful for Sandy's help and support with all of our pre-move preparations. Thank you Sandy! - Annie & Gary"
"Gary, thank you for this wonderful review and for sharing your experience with Sandy who is terrific!
Thank you for your business and safe travels.
Best!
John
"
Service Representative
September 16, 2026
"For your Auto Insurance Needs, Agent Sandy is the Best!! She goes above and beyond to insure you are taken cared of."
"You just gave our team another reason to smile! Agent Sandy will be thrilled to hear your kind words about her dedication to your auto insurance needs. We appreciate your trust in our agency and look forward to continuing to serve you."
Noah Bettinger
September 16, 2026
"Christian is amazing, quick and helpful. Pay him more $$$!"
"Noah, your kind words were such a nice thing to read! We're thrilled to hear that Christian made such a positive impact with his quick and helpful service. We appreciate your support and look forward to assisting with any future insurance needs."
Denise Santos
September 12, 2026
"Outstanding service!!! Many thanks to Sandy for providing excellent assistance!!! She’s always so helpful! I’m truly thankful for the amazing staff at State Farm John Cho!"
"DenIse, thank you for the kind words and for recognizing Sandy and Gina. We work very hard to provide outstanding service and are here to help. Thank you for allowing us to serve your family.
Cheers!
John"
Brian Momeyer
September 12, 2026
"Outstanding service from Edwin."
"Hi Brian, thank you for highlighting Edwin's outstanding service! Our team is committed to providing exceptional support, and it's great to hear Edwin made a positive impact. We appreciate your trust in our agency for your insurance needs."
William Miller
September 8, 2026
"Always professional, always prompt, great service."
"William, your five-star rating was a pleasant surprise we’re happy to receive!"
Annie Yahne
September 3, 2026
"Sandy was able to help me without any wait time. She was personable and professional. She helped me understand the choices I had in coverage and I was very appreciative for her guidance. Sandy made me feel like I was in very good hands. She was knowledgeable and has followed up with my requests for more information in a timely manner. State Farm is lucky to have her. She solidified my choice to stay with State Farm when I moved to a new state and had to choose a new agent! Thank you, Sandy!"
"Thank you, Annie, for sharing your experience with Sandy! We're delighted to hear how her personable and professional approach made you feel confident in your coverage choices. It's wonderful to know that her knowledge and timely follow-up have solidified your decision to stay with State Farm. If you ever need further assistance with your insurance needs, feel free to reach out to our team."
Laurie Judge
September 2, 2026
"Sandy,
I appreciate your expertise, efficiency and friendly manner. You are an asset to State Farm.
Laurie Judge"
"Laurie, your kind words about Sandy mean so much to our team! It’s wonderful to know her expertise and friendly approach made such a positive impression. We’re lucky to have her on our team, and we’re always here whenever you need a hand with your insurance!"
D Pratt
September 1, 2026
"Sandy is very efficient and handled our transaction quickly and easily"
"It means a lot to know Sandy was able to make your transaction quick and easy! Having someone who can take care of the details efficiently makes the whole experience that much smoother. Thanks for taking the time to share your feedback, and know that our team is always here when you need us!"
Michael Klein
August 31, 2026
"Sandy is fantastic! She is always there answering all of my concerns and she helps me out whenever I need an insurance help.
I have a client for 5 years and Sandy has always been available to answer any questions I have. I have worked with a lot agents during my career and Sandy is the best!"
"Michael, thank you for sharing your experience and the shout out for Bruce. Welcome to So Cal. Cheers! - John Cho"