MD-33374 - Our office strives to provide our customers with the most efficient and professional service in the Frederick, MD area. We take the time to complete a personalized comprehensive review of our customer's insurance needs. We want to be the first and preferred choice for all of our customers' Insurance and Financial Services needs in Frederick, MD. We focus on Auto, Home, Business and Life Insurance. We provide the best Insurance experience in Maryland. We are here to help life go right.
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Requires appointmentNot available
Online appointmentsAvailable
Onsite servicesAvailable
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Certified by Kathy Schultze - State Farm Insurance Agent • Oct 04, 2026
Certified by Kathy Schultze - State Farm Insurance Agent • Oct 04, 2026
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 7:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
SaturdayClosed
SundayClosed
11/26/20269:00 AM - 5:00 PM
12/25/20269:00 AM - 5:00 PM
1/1/20279:00 AM - 5:00 PM
Reviews
4.8
286 reviews
5 stars
262
4 stars
7
3 stars2
2 stars0
1 star
15
NM
Nasir Maidanwal
Sep 1, 2026
1.0
I regret switching from GEICO to State Farm. When I first switched, State Farm gave me a reasonable and attractive quote. However, after about three months, my premium increased by approximately 30%.
During the first few months, I was also asked to provide and sign additional documents. After that, my premium was increased, even though there was no accident, ticket, or other change on my end that I was aware of.
My experience has been very disappointing. The initial price may look attractive, but I recommend carefully reviewing all underwriting documents and asking exactly what could cause the premium to change before switching. State Farm itself says premiums can change after reviewing rating factors and policy information.
I switched from GEICO expecting to save money, but I now regret the decision.
CS
Colleen Shannon
Aug 28, 2026
5.0
We've worked with Kathy and her great team for more than 20 years. We have consistently received responsive, professional, friendly, timely, and accurate support from them all these years. Kathy has provided us with great service herself in breaking down insurance options, pros and cons, and helping us come to conclusions that work for us. If you're looking for an agent, we can't recommend Kathy and her team highly enough.
TS
Timothy Shannon
Aug 27, 2026
5.0
Excellent client services for our home and auto insurance; a pleasure to work with.
BB
BJ Bonney
Aug 10, 2026
5.0
Thank you, Joe for being a tremendous help today and providing top-notch customer service. I was able to get a quote for a new policy and completed the process quickly - thanks again!
Frequently Asked Questions About Kathy Schultze - State Farm Insurance Agent
Do I have to pay for a quote online?
No, you do not have to pay for a quote online. We offer free quotes!
What payment methods can I use?
We accept cash and most major credit cards, such as Visa, Mastercard, Discover, and American Express.
Where do I access my online billing and payment information?
Use the Digital Pay Payment Center link to access your account. Enter your User ID and password to login. You will be directed to your billing and payment information.
Who do I contact if I have questions about billing or payments?
Please contact your agent if you have questions about your bills, payments or Renewal Coverage Offers. Your agent's phone number and email are available on the details page of your bill.
What can I do on the State Farm mobile app?
The mobile app helps you manage your insurance and banking accounts, get roadside assistance, file claims, and more!
What does Emergency Roadside Service cover?
Emergency Roadside Service will typically cover: Towing your covered vehicle to the nearest repair facility, delivery of gas, oil, a battery, or tires, One-hour of locksmith services, One-hour of mechanical labor for select services.
I can’t log in to my account, what can I do next?
If you have created an online account and can not log in for any reason, please call Customer Care at any time.
Can I go paperless?
Yes, setup is easy! You can set this up when you log in to your account and update your email preferences.
Can I purchase my policy online?
Typically you are able to purchase a policy online at the end of the quote process. If you are not given this option, please reach out to your selected agent or Customer Care.
Can I save a quote to finish at a later time?
Yes, you can save your quote to continue at a later time. When you save your quote you will receive an email that contains a link to the application process.
What if I have more than four vehicles or four drivers in my household?
If you have more than four vehicles or drivers in your household, you will need to reach out to your selected State Farm agent.
Is my account number the same as my policy number?
No, A policy number is an alpha-numeric code unique to each individual policy at State Farm. An account number is a 10-digit number associated with a State Farm Payment Plan.
Can I change my coverages online?
Yes, you can request changes to your coverages online and they will then be forwarded to your agent for processing.
Can I complete the process without an agent?
No, you are not able to complete the process without an agent. If you do not have an agent or have not selected an agent, one will be assigned to you for all your State Farm quotes, policies, and accounts.
When does my coverage start?
Your coverage begins once you receive valid proof of insurance. You can access your proof of insurance online.
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