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COVID-19 Relief: Farmers reducing personal auto insurance premiums by 15% for May. No need to call, it's automatic.
Photo of Rachel Oster-Payne

Rachel Oster-Payne

Rating 4.9
Farmers Insurance Agent in San Jose, CA
Call MeCall Me

Contact Info


915 Meridian Ave
Ste 210
San Jose, CA 95126

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Phone Numbers

(408) 885-1190(408) 885-1190
(408) 298-3308

Office Hours

Day of the WeekHours
Mon:8:30 AM - 5:30 PM
Tue:8:30 AM - 5:30 PM
Wed:8:30 AM - 5:30 PM
Thu:8:30 AM - 5:30 PM
Fri:8:30 AM - 5:30 PM
Also by appointment evenings and Saturdays
Contact me

Farmers Insurance Agent in San Jose, CA

Rachel Oster-Payne
About Me

Rating 4.9

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



CA License #: 0834938

Insurance Products Offered

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

Ask Me About:

Teach your child that success usually starts with a plan.
New baby? Getting married? Life Insurance can help you provide a financial safety net. Let’s discuss your life changes.

PWS LD-01 10/17
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.
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!
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.
Life insurance can help you to provide financial support for the ones you love if something happens to you.

PWS LD-02 10/17

Recent Reviews for Rachel Oster-Payne

Rating 4.9
14 Customer Reviews
  • Rating 5.0
    She is responsible.
  • Rating 5.0
    Rachel is very efficient and was able to find us the right coverage at the best price, in the shortest possible time. Thank you, Rachel!
  • Rating 5.0
    Rachel was very helpful and supportive
  • Rating 5.0
    Rachel has been helping me with my auto insurance requirements for almost two decades. Rachel is trustworthy, competent and efficient. Thanks Rachel!
  • Rating 5.0
    You are very helplful Rachel
  • Rating 5.0
    Excellent job, thanks to Rachael Payne.
  • Rating 5.0
    Rachel Payne is a wonderful insurance agent, always prompt with returning calls, and thorough with responses to my questions, She has proved to always be available anytime and for any reason! GO RACHEL GO!
  • Rating 5.0
    Rachel is a very professional, honest and efficient insurance agent. I have been her customer for the past 22 years and very happy with the services she provides.
    -- Rajesh K
  • Rating 5.0
    Great agent-Rachel and her staff truly care about their customers.
  • Rating 5.0
    Always very helpful and prompt.
  • Rating 5.0
    Rachel is very approachable and helpful
  • Rating 5.0
    I have been a customer with this agency since 1990. It was with Rachel's late father first and with Rachel since she took over the business over and if I am not mistaking in last twenty years. I have both cars and my residence (since 1998) with this agency and have been very pleased with service I have been getting from Rachel. She does go the extra mile to get you the best coverage and very responsive when you need her service.
  • Rating 4.0
    Rachel Payne provided good customer service and understands the customer and tries to provide a good fit for the customer's needs.
    I am happy with her and will provide referals if an opportunity comes.
  • Rating 5.0
    Rachel is very knowledgeable, understands my needs and offers the best products to address them. She is smart, very responsive, never lets anything drop on the floor and is just a pleasure to work with. She is simply wonderful.
Displaying 1 - 3 reviews of 14

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