James Fread

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 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).

Why Life Insurance is a Vital Part of Your Financial Plan

Life insurance is more than just a policy—it's a product to protect your loved ones’ future, no matter

at happens. While no one likes to think about the unexpected, having life insurance ensures that your family is financially secure if you’re no longer there to provide for them.

Key Traits its of Life Insurance:

• Financial Security for Your Family: Life insurance can cover everyday living expenses, payments, education costs, and outstanding debts, preventing your loved ones from facing financial hardship.

• Knowing that your family will be taken care of brings comfort and reduces stress.

• Life insurance can help you leave a lasting support causes you care about.

• There are various life insurance options to fit different budgets and needs.

When Should You Consider Life Insurance?

• When you have dependents relying on your income

• When you have significant debts

• When you want to ensure education is funded

• When you want to protect your business or leave an inheritance

Taking the step to secure a life insurance in your family’s future security. Don’t wait—plan ahead and protect what matters most.

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!"