Skip to content
Español
Call
Text
(619) 938-1600
Profile photo of a State Farm Agent named: James Fread

Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment
State Farm® Insurance Agent

James Fread

James M Fread Ins Agency Inc

Office Hours

Monday
9am - 5pm
Tuesday
9am - 5pm
Wednesday
9am - 5pm
Thursday
9am - 5pm
Friday
9am - 5pm
Saturday
Closed
Sunday
Closed
After Hours by Appointment

Address

9923 Channel Rd
Lakeside, CA 92040

Profile photo of a State Farm Agent named: James Fread
4.9/5 average rating on Google (138 reviews)
Contact Us
Contact Us
Text Us
Map & Directions
Get ID Card

Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment

Office Info

Office Hours

Monday
9am - 5pm
Tuesday
9am - 5pm
Wednesday
9am - 5pm
Thursday
9am - 5pm
Friday
9am - 5pm
Saturday
Closed
Sunday
Closed
After Hours by Appointment
Call us 24 hours a day!

Address

9923 Channel Rd
Lakeside, CA 92040

Languages

English, Spanish
Map Image

Welcome to James M Fread Insurance Agency Inc!

2025 is here and we’re ready to help you protect what matters most. Our office in Lakeside is eager to serve customers across San Diego County and Southern California. In addition, we’re licensed to assist the entire state of California, along with Arizona, Nevada, and Oregon.

I’ve been proudly serving as a State Farm agent since 2005 and our bilingual (Spanish-speaking) team of 8 professionals brings over 130 years of combined State Farm experience to the table. We’re here to guide you through personalized coverage options that truly fit your needs!

We offer State Farm insurance services, including:

  • Auto Insurance – to keep you protected on the road!

  • Life Insurance – to safeguard your family’s future and help build financial security.

  • Business Insurance – including Commercial Auto, Workman’s Compensation, and Business Liability (available in Arizona, Nevada, and Oregon only).

I grew up in New Orleans and graduated from Tulane University. Today, call San Diego County home along with my wife and two amazing kids. Our 12-year-old daughter and 10-year-old son keep us busy with their sports and activities. When I’m not working, you’ll find me staying active, experimenting with new recipes in the kitchen, or mixing up cocktails!

I became a State Farm agent because I wanted to lead something meaningful. I wanted to be my own boss, but more importantly, I wanted to make a difference in people’s lives. Helping customers understand their insurance, save money, and be prepared for life’s unexpected moments is the mission that still fuels me every day.

Whether you're reviewing your current policies or exploring new options, our team will take the time to understand your goals, explain your coverages, and help you make informed decisions. With a track record that includes numerous internal State Farm awards and recognitions, we take pride in our commitment to excellent customer service! We are honored to rank in the top 1% of Commercial/Small Business agencies in the country.

Please feel free to browse our website to learn more, reach out directly, or stop by our Lakeside office today—our team is here and ready to help!"

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking

View Licenses

The Real Consequences of Drunk Driving

What's at stake if you're caught drunk driving? A lot. These tips help you avoid the dangers of drinking and driving.

Smartphone security and tips to help prevent identity theft

Simple tips, like locking your cell phone or other smart device, help prevent identity theft and your personal info from being stolen.

Create a fire escape plan today!

Make a home fire evacuation plan to be better prepared in case of a fire. Teach your kids how to avoid smoke inhalation, escape to safety & understand fire hazards.

View More Articles

The Joker Card :30

Light the Bat-Signal :30

Lost :15

Feeling More Batman

 The mission of the James Fread State Farm office is to provide Lakeside and surrounding San Diego County with reliable insurance coverage they can count on. Our office can help with auto insurance, homeowners insurance, renters insurance, life insurance, business insurance, financial services, and much more. Stop in and meet with our experienced insurance team to stay protected!