Ray Frazer

As we head into November and the holiday season, it's a good time to reflect on what matters most. We're thankful for the opportunity to serve our neighbors and be a part of this wonderful community. Whether you have questions about your auto, home, or life insurance or simply want to review your current coverage, our team is always happy to help. Give us a call or stop by our office anytime!

Hello! I’m Ray Frazer, and I’m proud to serve as your local State Farm Agent right here in Mercersburg, PA at 26 S Main Street, Mercersburg, PA 17236‐1516. I’m honored to support my neighbors across:

• Mercersburg

• McConnellsburg

• Greencastle

• St. Thomas

• Cove Gap

• Fort Loudon

• Harrisonville

• Needmore

• Big Cove Tannery

• Shade Gap

• Chambersburg

• Franklin County

• Fulton County

• South-Central Pennsylvania

• Pennsylvania

• Maryland

I was born and raised in Chambersburg, PA, and being a Franklin County native has shaped the way I show up for the people I serve. I graduated from Chambersburg Area Senior High School and earned both my Bachelor’s Degree and Master’s Degree in Business Administration from Saint Francis University in Loretto, PA. That background, combined with my local roots, helps me stay grounded in what matters most to families and small business owners in South‐Central PA.

Our office offers a wide range of insurance and financial services to help you prepare for everyday risks and major life moments alike. Whether you’re looking for Auto Insurance to stay protected on the road, Homeowners Insurance or Renters Insurance for where you live, Life Insurance to help care for the people who matter most, or Business Insurance to support your livelihood, my team and I are here to help you explore your options. We also assist with condo coverage, health insurance, motorcycle insurance, travel trailers, motorhomes, and support for small business owners across our service area.

Insurance Products Offered:

• Auto Insurance

• Homeowners Insurance

• Renters Insurance

• Life Insurance

• Business Insurance

• Condo Insurance

• Health Insurance

• Motorcycle Insurance

• Travel Trailer Insurance

• Motorhome Insurance

• Financial Services

Outside the office, I enjoy spending time with my wife Kelly, our two sons, and our two rescue dogs, Cudi and Remi. Family and community are a big part of who I am, and I carry that same mindset into every conversation with the customers I serve.

If you want to create a Personal Price Plan® for your auto, home, life, or business needs, I’d love to connect. Feel free to call, email, or stop by our Mercersburg, PA office to get started!

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. In Mercersburg, you can count on Ray for personalized service.

Q: How soon can I get insured for my car?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. Ray is here to help your Mercersburg household feel covered.

Q: What coverage is required when leasing a car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Looking for coverage? Talk with Ray about your options in Mercersburg.

Q: How does life insurance work?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. Ray is proud to serve the Mercersburg community.

Q: What's included in renters insurance coverage?

A: Renters insurance helps protect the things you own if something unexpected happens. It can help cover personal belongings if they're damaged or stolen, provide personal liability protection if someone is injured, and help with additional living expenses if you're unable to stay in your home due to a covered loss. Serving Mercersburg and the surrounding area, Ray can help answer your questions.

Q: What does home insurance cover?

A: Homeowners insurance can help protect your home, personal property, personal liability, and additional living expenses after a covered loss. Ray serves Mercersburg, PA and is happy to help with your insurance needs.