Dave Hesler - State Farm Insurance Agent

Category: Insurance agency in Schenectady, New York

Address: 1521 Balltown Rd #2, Niskayuna, NY 12309, USA

Phone: +15183463035

Opening hours

Sunday: Closed

Monday: 9AM–5PM

Tuesday: 9AM–5PM

Wednesday: 9AM–5PM

Thursday: 9AM–5PM

Friday: 9AM–5PM

Saturday: Closed

Reviews

L. Mo

Feb 8, 2022

Stellar service from Dave's office! They saw things from my perspective and addressed my concerns by directly calling the car repair center to clarify the insurance payment process. They were also super-responsive when I needed a State Farm statement with specific updates.

Adam Zonis

Dec 10, 2021

I've been working with Dave and his team for over 20 years and would happily recommend them to anyone for their insurance needs. They've always been very responsive and professional.

Marie Rosenblatt

Nov 2, 2021

Dave has been great to work with - professional, responsive, and straight forward. He helped me understand what to do when involved in an accident that wasn’t my fault, and a later one that was. I’ve been with Dave since moving back to the States in 2003, and staying with him even now after moving away from the area. Top notch!

kay heath

Jan 13, 2020

I was referred to dave by my friend who had a great experience there unfortunately I didnt have the same. the lady I spoke to seem like she didnt want to even talk to me as a matter of fact she told me to leave and she would call me in a hour🧐 she seemed like she had a bad day almost 200.00 more then what I'm paying at progressive(and yes I have a good driving record) that number wasnt accurate I'm sure !! I'll be sticking with progressive!!

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Questions & Answers

What factors influence car insurance rates?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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.

What can I do on the State Farm mobile app?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 2022

State Farm accepts most major credit and debit cards.

Does my homeowners insurance cover detached structures on my property?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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.

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

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 2022

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

How do I download the State Farm mobile app?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 2022

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

Can I pay by phone or mail instead of online?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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.

How much insurance coverage should I have on my home?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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 if I have a vehicle that's not listed on the Vehicle Type section?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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 coverage is provided under homeowners policy?

Dave Hesler - State Farm Insurance Agent | Jul 10, 2022
Dave Hesler - State Farm Insurance Agent | Jul 10, 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.

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

Dave Hesler - State Farm Insurance Agent | Sep 8, 2021
Dave Hesler - State Farm Insurance Agent | Sep 8, 2021

State Farm accepts most major credit and debit cards.

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

Dave Hesler - State Farm Insurance Agent | Sep 8, 2021
Dave Hesler - State Farm Insurance Agent | Sep 8, 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?

Dave Hesler - State Farm Insurance Agent | Sep 8, 2021
Dave Hesler - State Farm Insurance Agent | Sep 8, 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?

Dave Hesler - State Farm Insurance Agent | Sep 8, 2021
Dave Hesler - State Farm Insurance Agent | Sep 8, 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?

Dave Hesler - State Farm Insurance Agent | Sep 8, 2021
Dave Hesler - State Farm Insurance Agent | Sep 8, 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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