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Rachel Oster-Payne

Farmers Insurance Agent in San Jose, CA
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US 915 Meridian Ave Ste 210 San Jose, CA 95126
License #: 834938
Phone Numbers
(408) 885-1190(408) 885-1190
(408) 298-3308(408) 298-3308

Office Hours

Also by appointment evenings and Saturdays
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM

Farmers Insurance Agent in San Jose, CA

About Me

I have been with Farmers® Insurance since 1994. My father was an agent who encouraged me to get my insurance license so that one day I could take over his agency when he retired. I came from a background of aerospace engineering (B.S Engineering, the University of Michigan, Ann Arbor) where I had spent time working for a defense contractor in San Jose on supersonic ramjets. I then obtained a teaching credential and taught everything from elementary school and middle school math, to working in special education with profoundly disabled students. I eventually decided to try my hand at insurance and worked alongside my dad for five years. I built up my agency and when my father retired in 2001, I added his agency to mine. I learned a lot by watching my dad. Both his successes and failures taught me what to do and not to do in business. The best part of this job is helping my clients when they need the knowledge and support of their agent.

As your personal Farmers Insurance agent located in San Jose, I believe in keeping you informed of ways you can help protect what's important to you. Whether you're looking for auto insurance, homeowners insurance, life insurance, or specialty coverage, I will provide you options so you can select the products that best fit your insurance needs. Auto Insurance at Farmers Insurance offers a variety of auto insurance products to fit your needs. In case you're involved in an accident, Farmers auto, motorcycle & car insurance can help provide financial protection for you and your family. Whether you need homeowners insurance or renters insurance, Farmers offers home insurance coverage for protecting you and your belongings. Farmers Insurance also offers life insurance, business insurance, and motorcycle insurance so you can help protect your hard earned assets. Call us today for a competitive quote to help save money & better protect your family and their financial future!

Give me a call at (408) 885-1190 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 22 years of experience as a Farmers Insurance agent.

Neighborhoods Served

Willow Glen, West San Jose, Campbell, Sunnyvale, and Mountain View


Insurance Products Offered










*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:

Home Insurance

Home Insurance
Teach your child that success usually starts with a plan.

Is It Time to Review Your Life Insurance Policy?

Is It Time to Review Your Life Insurance Policy?
How much has your life changed in the last few years? Whether you’ve gotten married, had children or started a small business, it’s a good idea to review your Farmers® life insurance policy. Call me today so we can discuss ways for you to provide coverage for the people who depend on you.
Customize Your Business Insurance with Farmers®
No two companies are exactly alike. That’s why you can build a customized Farmers business insurance policy with options that provide coverage for your specific needs and challenges. Call me today to learn more.
Is It Time to Review Your Farmers® Business Policy?
Has your business grown since we last reviewed your business insurance? If so, let’s have a conversation so you can decide if your level of coverage is keeping up with your level of success. Call me today!
Customizable Home Insurance Packages
There are so many variables to consider when choosing homeowners insurance. But Farmers Smart Plan Home® can simplify your decision with customizable packages! Call me today to learn more.

Subject to restrictions.
Is It Time to Think about Life Insurance?
It’s never too soon to explore the benefits of a life insurance policy. Even if you don’t think you need it - yet - you might decide it belongs in your plan for the future. Call me today, and I can show you how you can tailor life insurance to your individual needs and goals.

My Hardworking Team

Betty Urena