Layne Stoops - State Farm Insurance Agent

Category: Insurance agency in Cheney, Washington

Address: 2420 1st St B, Cheney, WA 99004, USA

Phone: +15094984003

Opening hours

Sunday: Closed

Monday: 8AM–5PM

Tuesday: 8AM–5PM

Wednesday: 8AM–5PM

Thursday: 8AM–5PM

Friday: 8AM–5PM

Saturday: Closed

Reviews

Chad Elliott

Jul 29, 2022

It started out great, but for the past two years we hardly spoke with Layne directly, just his team. A mistake here and there is usually easy to brush off: like sending our mail to the wrong address (one we have never lived at, which was incredibly bizarre), and not updating our construction insurance with the correct address long after we provided the assigned one from the county. But we decided it was enough when our insurance policies were canceled multiple times without notice, each of which could have been detrimental due to our landlord requiring rental insurance per our lease, and the bank requiring us to have construction insurance for building our house. One of the instances our rental insurance was canceled was a complete mess, as they “had it on record” that we wanted to cancel our renters insurance due to taking on our new construction insurance. That doesn’t make any sense on multiple levels, since we were still renting, and it was CONSTRUCTION insurance, meaning we couldn’t possibly have been living in the home that we were building. We dealt with lots of miscommunication or complete lack of communication, and making unapologetic excuses for mistakes. We’re all human, we all make mistakes, and times are especially challenging lately, but it was ultimately the lack of integrity that made us decide to switch.

Jonathan Sanchez

Jul 26, 2022

I’m was a service member and State Farm has been with me for three duty stations, two accidents, and a windshield. When I transitioned out, I stuck with State Farm bc the service I received from my rep and who knows what unknown car situation I’d find myself in? But I do know that State Farm and my rep would be there to help me navigate another debacle.

David Wilder

Apr 29, 2022

How is there a "Zero Star" on these. I am absolutely floored by the amount of good reviews on here for this branch. Since the very beginning this branch has been inept. Time after time constant mistakes were made. Time after time a believable excuse was given. NEVER by Mr. Stoops however. He will sell you, then go back into oblivion while you're mislead about whatever the flavor of the month mistake was made. I read another reviewer who stated that it took over 3 months for him to cancel a business policy. I will say, that is very good timing. It was over a full year of "mistake" after "mistake" after "misquote" after whatever other B.S. I had to go through. Maybe he is good with the simple vanilla auto policies, as that's what pretty much all of the good reviews are about. But if you have anything "complicated" like owning a home, business, or other situation RUN! This office will cost you a TON of money, time, and headache!

Chelsea Osborn

Aug 12, 2021

Layne has been absolutely fantastic to work with. I had originally spoken to him when I was considering purchasing a home, when I did find one that worked for my family he not only got the coverage figured out quickly without making me sit on hold forever, he worked directly with the lender to get them all the information they needed in order to close on time. Since then, I have switched to working with StateFarm for my car insurance as well, and he just saved my little sister $60 a month on her car insurance. I can’t recommend him highly enough, insurance isn’t a fun chore to deal with but it helps having someone knowledge and personable on your side.

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Questions & Answers

What factors influence car insurance rates?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports.

What is the difference between market value and replacement cost?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

Market value is the amount a buyer would pay for the home and land in its current condition. It is influenced by factors such as proximity to good schools, local crime statistics, and the availability of similar homes. Replacement cost is the cost to rebuild the entire home.

How fast can I get car insurance coverage?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

As long as you have all required information and go through the application process, coverage can begin immediately. For the most accurate quote, you’ll need to know your car’s make, model, mileage, and year. We’ll also need to know a little about you and your driving history.

Is my payment information secure on your website?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

At State Farm, we take your concerns about online security very seriously so you can pay without worry. We employ industry-standard controls for protecting customer data and keeping the server environment stable.

Why should I sign up for the Paperless Notice of Privacy Policy?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

You can reduce the amount of paper you receive by signing up to go paperless. You can view the Notice of Privacy Policy online instead of receiving a mailed copy. You'll also help State Farm achieve its green mission.

I am a current auto insurance customer, why can't I get a quote for another auto policy online?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

If you're a current State Farm auto policyholder, you can get a quote by following these steps: 1) Log into your account. 2) Select your current auto policy. 3) Click Quote/Replace a Vehicle. The request will be forwarded to your agent for processing.

How much insurance coverage should I have on my home?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

The choice is yours, but State Farm recommends you choose a coverage limit at least equal to your home’s estimated replacement cost. (The estimated replacement cost isn’t the same as the market value, which is the price you can expect your home to yield on the market.) If you choose a coverage amount less than the estimated replacement cost, you may not be eligible for certain coverages. Since no one can say what the exact cost will be to replace your home in the future, you’ll need enough coverage to account for unforeseen circumstances.

What can I do on the State Farm mobile app?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

You can take care of insurance and banking accounts, get roadside assistance, file and check your claim status, and lots more.

Can I use my check card or debit card?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

State Farm accepts most major credit and debit cards.

How do I download the State Farm mobile app?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

Text MOBILE to 78836 to get a link to the app or download from your app store.

What coverage is provided under homeowners policy?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

The policy includes coverage for your home and other structures on your property such as a detached garage or shed, and your personal belongings. The policy also includes personal liability coverage which may protect your finances by paying for covered damages that you’re legally responsible for, including a legal defense.

Can I pay by phone or mail instead of online?

Layne Stoops - State Farm Insurance Agent | Jul 19, 2022
Layne Stoops - State Farm Insurance Agent | Jul 19, 2022

Yes. State Farm has ways to ensure the security of your payment information, but if you're uncomfortable making an online payment, you can forward your application to a State Farm agent. They will contact you about payment arrangements. The coverage effective date will depend on the new payment arrangements made with the agent For additional questions, contact an agent or see our Privacy Policy.

What if I have a vehicle that's not listed on the Vehicle Type section?

Layne Stoops - State Farm Insurance Agent | Jun 19, 2022
Layne Stoops - State Farm Insurance Agent | Jun 19, 2022

Please contact a State Farm agent if you're trying to insure a classic automobile or any atypical vehicle-types. Examples include motorcycle, snowmobile, camper, ATV, etc.

What is the difference between sending my quote and purchasing with an agent?

Layne Stoops - State Farm Insurance Agent | Jun 19, 2022
Layne Stoops - State Farm Insurance Agent | Jun 19, 2022

You may send your quote to an agent anytime during the quote process. If you haven't completed the online form, an agent will contact you to complete the process. If you received a quote online, you can still purchase with an agent. The agent will contact you to gather any additional information.

What if I have more than four vehicles or four drivers in my household?

Layne Stoops - State Farm Insurance Agent | Jun 19, 2022
Layne Stoops - State Farm Insurance Agent | Jun 19, 2022

If you need a quote or coverage and have more than four vehicles or four drivers, contact a local State Farm Insurance agent.

Does my homeowners insurance cover detached structures on my property?

Layne Stoops - State Farm Insurance Agent | Jun 19, 2022
Layne Stoops - State Farm Insurance Agent | Jun 19, 2022

Yes. In addition to your dwelling, State Farm covers other detached structures located on your property that are separated by clear space from the dwelling. The basic policy covers other structures at 10% of your dwelling coverage. This includes but is not limited to: Detached garages, Equipment sheds, Barns, Guest cottages.

How can I pay for my insurance if I decide to purchase it online today?

Layne Stoops - State Farm Insurance Agent | Aug 18, 2021
Layne Stoops - State Farm Insurance Agent | Aug 18, 2021

State Farm accepts most major credit and debit cards.

I changed my mind about purchasing this insurance. What should I do?

Layne Stoops - State Farm Insurance Agent | Aug 18, 2021
Layne Stoops - State Farm Insurance Agent | Aug 18, 2021

You can save your quote to continue at a later time. When you save your quote you will receive an email containing a link to the application process. If you've received a State Farm reference number, your application has already been submitted. Your agent will be contacting you to discuss your policy. You can wait for your agent to call or contact them to discuss your options. If you did not receive a reference number, your application was not submitted and your payment should not be processed.

When does my coverage start?

Layne Stoops - State Farm Insurance Agent | Aug 18, 2021
Layne Stoops - State Farm Insurance Agent | Aug 18, 2021

Your coverage begins once you receive valid proof of insurance. You can access your proof of insurance online.

Is my account number the same as my policy number?

Layne Stoops - State Farm Insurance Agent | Aug 18, 2021
Layne Stoops - State Farm Insurance Agent | Aug 18, 2021

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.

Do I have to pay for an online quote?

Layne Stoops - State Farm Insurance Agent | Aug 18, 2021
Layne Stoops - State Farm Insurance Agent | Aug 18, 2021

No. The quote is free. The quote provides an estimate based on the information you provide and contains descriptions of available coverages.

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