Ed Franco

Why Us?

Experience + claims knowledge + coverage advice + long-term relationships set us apart.

I have been in the insurance business for over 33 years and have proudly served as a State Farm Agent in Chula Vista since 2000. Before becoming an agent, I worked as a State Farm Claims Representative and later gained additional company experience as a State Farm Agency Field Executive (AFE) and State Farm Agency Field Rep (AFC)

That background matters. Insurance isn't only about finding a price — it's about understanding your coverage and making informed decisions before you need it.

Our goal is to help customers understand what they are buying, identify potential coverage gaps, and choose protection based on their individual needs.

Experience You Can Count On

Our experienced team helps individuals, families, and businesses with:

• Auto Insurance • Homeowners Insurance • Condo Insurance • Renters Insurance • Life Insurance • Business Insurance • Personal Liability Umbrella Insurance • Motorcycle, RV and other insurance needs

We serve customers throughout Chula Vista, Eastlake, Bonita, Otay Ranch and San Diego County, and we are also licensed to assist customers in Arizona and Oregon.

Our office can assist customers in English and or Spanish.

State Farm Crystal Excellence Agent

We are proud to be recognized as a State Farm Crystal Excellence Agent which is not automatically given but is earned.

For our customers, the recognition reflects what we have worked to build over the years: an experienced agency focused on consistent service, strong customer relationships, and helping people understand their insurance.

My Background:

Having worked in claims before becoming a State Farm Agent gives me a different perspective on insurance.

I've seen why the details of a policy can matter after an accident or loss. That's one reason our conversations aren't simply about finding the lowest price. We want our customers to understand their deductibles, liability limits, available coverage options, and where they may have exposure.

The cheapest policy isn't always the least expensive when you actually need to use it.

Our job is to help you make an informed decision. Your job is to decide what coverage is right for you.

Long-Term Relationships

We're proud that many customers have trusted our agency for years — and in some cases, for decades.

Insurance needs change as life changes. Buying a home, getting married, having children, starting a business, accumulating assets, preparing for retirement, or adding a young driver can all change the amount and type of protection you may want to consider.

That's why we believe an insurance agent should be more than someone you call when you need an insurance card.

We want to be the office you can call when you have a question, when something changes in your life, or when you simply want to review your coverage.

Local Chula Vista State Farm Agency

Our State Farm office is conveniently located in the Eastlake area of Chula Vista, near Target and Lowe's.

We are proud to serve our neighbors throughout Chula Vista and the surrounding San Diego County communities.

Whether you're looking for auto insurance, homeowners' insurance, life insurance, business insurance, or simply want a second look at your existing coverage, our team is here to help.

Call, click or stop by the Ed Franco State Farm Agency in Chula Vista. We would appreciate the opportunity to earn your business.