Pam Franz

It seems like summer is just speeding by but not our customers driving habits, right? August is a great time to check in with us about your auto coverages especially discounts that you might have overlooked or just haven't had time to review. If you are adding a new driver or someone has moved away, let us know. We want to make sure the right coverage is there for all of your autos and drivers. The new school year is right around the corner, so this is a great time to check if your college bound child needs renters insurance. Enjoy the last month of this hot summer but please don't forget to review what may be important to you. Several times per year we send our communiques offering to review your coverages, rate adjustments, discounts or surcharges so please don't be shy about contacting us to look it over. August is a busy time with vacations still on the books, school/college beginning for the kids as well as mom and dad preparing for these changes and don't forget that we are still in hurricane season. We will be happy to go over your auto, motorcycle, home, renters, flood, boat or life insurance as well as reviewing your deductibles along with any endorsements that may be of interest to you. If we can help with your insurance needs, remember that my office can serve the entire state of Virginia! We focus on our local residents & love assisting our military personnel who re-locate to the Peninsula. We serve the entire Hampton Roads area to include Williamsburg, Poquoson, Gloucester, Newport News, Hampton, & Yorktown. Call us, email us, text us or just drop on by as we'd love to work up a Personal Price Plan quote for you.

Some quick fun facts about Pam: I was born & raised in Williamsburg & grew up residing in an un-restored Colonial Williamsburg home. I attended the College of William & Mary finishing up my BA degree at Christopher Newport College. I am married, we have one son who just turned 27, a rescue mixed breed dog names Pickles and a sweet rescue cat. On January 13th I celebrated my 1986 hiring with State Farm for which I am humbly grateful. Becoming an agent in March 1994 after working in another area at State Farm seems like yesterday. My husband, brother, sister, nephew & son are all former or current State Farm team members or employees. I am thrilled to have the designation of being a Crystal Honor State Farm agent thanking all of my customers who have helped me along the way.

I am a long-time supporter of St. Jude's Children's hospital, the Heritage Humane Society of Williamsburg, Community of Faith Mission for the homeless, Yorktown YMCA & York County Public Education among just a few. I have been a Board member for the York County Library Board since 2012.

• August! Enjoy the last hurrah of our 2026 summer and please be safe while having fun!

• Don't forget that we can help you if you need flood insurance on your home.

• We have so many things to tell you about such as Trupanion pet insurance for your dog of cat. We know how much these members of the family mean to all!

• Ask about State Farm Classic + for your antique vehicles....we have some great information about this product!

Thank you for your business with State Farm and our agency. We hope you have a wonderful end of summer season. Pam, David, Amy, Lori & Gail

Frequently Asked Questions (FAQ)

Q: What's an effective way to get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Pam is proud to serve the Yorktown community.

Q: How quickly can car insurance coverage start?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. Serving Yorktown and the surrounding area, Pam can help answer your questions.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Pam serves Yorktown, VA and is happy to help with your insurance needs.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. Have questions? Pam in Yorktown can walk you through your options.

Q: What does renters insurance cover?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Pam works with Yorktown residents to find coverage that fits.

Q: Do you need to carry insurance on your home?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Connect with Pam for insurance guidance in Yorktown.