Insurance is usually that thing you pay for and hope you never actually have to use. It’s a bill on your desk or a notification in your inbox that feels like a necessary chore. But when something actually goes sideways—a fender bender on Old Country Road or a burst pipe in your Hicksville basement—the "chore" suddenly becomes the most important relationship in your life. That is basically where Christie Simmons State Farm comes into the picture.
Most people looking for insurance in Nassau County aren't just looking for a logo; they’re looking for someone who won't put them on hold for forty minutes when they’re standing on the side of the road. Christie Simmons has been a fixture in the local insurance scene since 1991. That’s a long time. In an industry where agents often cycle in and out, thirty-plus years of staying power says something about how she handles her neighbors.
What Sets the Christie Simmons Agency Apart?
Honestly, the biggest thing is the "Good Neighbor" vibe that isn't just a marketing slogan. Her office is located at 101 Bloomingdale Road in Hicksville, NY. If you’ve lived in the area for a while, you know that part of Long Island has a specific energy. It’s busy, it’s diverse, and people don’t have time for fluff.
Simmons is a Chartered Financial Consultant (ChFC®). That’s not just a fancy string of letters. It means she has a deep background in the technical side of financial planning and insurance. While some agents just plug your numbers into a computer and tell you what the monthly premium is, a ChFC® looks at how a life insurance policy or a liability limit actually fits into your 20-year plan.
A Team That Actually Speaks Your Language
One of the most praised aspects of this specific agency is the staff. If you look at recent feedback from 2025 and early 2026, names like Christine Moretti, Kiera, and Ruth pop up constantly. People mention them by name because they aren't just "representatives"—they’re problem solvers.
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For instance, a local client recently shared how Ruth went out of her way to handle insurance uploads for a new Tesla before it even arrived from Texas. That's the kind of granular, annoying paperwork that usually drives people crazy, but having a local office means you can just call and say, "Hey, can you handle this?" and it gets done.
The office is also bilingual, offering services in both English and Spanish. In a community like Hicksville and the surrounding Nassau/Suffolk areas, that accessibility is huge. It removes the barrier of "I think I know what I'm signing" and replaces it with actual understanding.
Beyond Just Car Insurance
When you hear "State Farm," your brain probably goes straight to cars. And yeah, Christie Simmons State Farm handles a ton of auto insurance. But the reality of living on Long Island means your needs are usually way more complex than just a 2024 Honda Accord.
- Homeowners and Condo Insurance: Whether you’re in a split-level in Plainview or a condo in Westbury, the local weather (hello, Nor'easters) makes property coverage tricky.
- Business Insurance: Christie works with local entrepreneurs—the toy store owners, the contractors, the tailors—to build custom packages that actually cover their specific liability risks.
- Life and Health: This is where that ChFC® expertise kicks in. It's about protecting the "what ifs" for new parents or people looking toward retirement.
- The "Fun" Stuff: They cover motorcycles, boats, and even pet insurance. Because let's be real, the vet bills for a Golden Retriever in New York are no joke.
The Local Connection Matters
Christie Simmons isn't some distant executive. She’s a Winthrop University grad who has lived in Plainview since 2014. She’s a member of the Hicksville Chamber of Commerce and the Hicksville Gardens Civic Association.
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You’ll catch her playing racquet sports or cycling around the neighborhood. She even sponsors and plays for a local softball team. Why does this matter for your insurance? Because when a major storm hits Long Island, your agent is experiencing the same weather you are. They know which roads are flooded and which neighborhoods are without power. That shared experience creates a level of empathy you just don't get from a 1-800 number based in a different time zone.
Addressing the "Personal Price Plan"
You’ve probably seen the commercials for the Personal Price Plan®. It sounds like a gimmick, but at the Simmons agency, it’s essentially a sit-down (or a phone call) where they audit your current life.
Are you commuting less? You might need a different mileage tier. Did you just install a security system or a "Ting" device to prevent electrical fires? There's a discount for that. They look for ways to layer "Safe Driving" rewards and bundling options (like Auto + Home) to get the price down without stripping away the coverage you actually need.
Why the "Hicksville Agent" is Different
The New York insurance market is notoriously difficult. Rates are high, regulations are thick, and the paperwork is endless. Having an agent like Christie Simmons who has navigated the NY-LA-734703 licensing requirements for decades means she knows the loopholes and the pitfalls that a newer agent might miss.
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Practical Steps for Local Residents
If you’re currently looking at your insurance renewals and feeling that "sticker shock" that’s been hitting everyone lately, there are a few things you should do specifically with a local agent.
1. Request a Comprehensive Review
Don't just ask for a quote. Ask for a review. A quote just gives you a number. A review looks at whether your $100,000 liability limit is actually enough to protect your house if you get sued after a car accident. (Spoiler: It usually isn't).
2. Check for Modern Discounts
Ask about the latest tech-based discounts. State Farm has been pushing things like "Drive Safe & Save," which uses your phone to track driving habits. If you’re a cautious driver on the LIE, you’re basically leaving money on the table by not using it.
3. Consolidate Your Business and Personal
If you're a "solopreneur" or a small business owner in Hicksville, see if you can bridge your personal and commercial lines. Sometimes the multi-line discounts are the only way to make New York premiums feel manageable.
4. Update Your Life Insurance
If it's been more than three years since you looked at your life policy, it's outdated. Life changes—marriages, kids, new mortgages. Christie’s background as a financial consultant makes her uniquely qualified to see if your current death benefit actually covers your current debt load.
The Christie Simmons State Farm office is open Monday through Friday from 9 AM to 5 PM, but they also do "after hours" by appointment. In a world that's increasingly automated and cold, having a physical office on Bloomingdale Road where you can actually walk in and talk to a human being—a neighbor—is a luxury that's worth the investment.