Ray Haynes Jr - State Farm Insurance Agent

Category: Insurance agency in Oswego, New York

Address: 142 W Utica St, Oswego, NY 13126, USA

Phone: +13153433276

Opening hours

Sunday: Closed

Monday: 8:30AM–5PM

Tuesday: 8:30AM–5PM

Wednesday: 8:30AM–5PM

Thursday: 8:30AM–5PM

Friday: 8:30AM–5PM

Saturday: Closed

Reviews

Diana Alnutt

Sep 29, 2022

Have been so helpful and responsive. Made a bad situation so less stressful. The whole office really is there for you!

Caleb Wallace

Aug 6, 2022

Just not a great place to get insurance for the best price. Unfortunately if you have a place you’ll get better service and a better price at a different place. Found out I could save $1300 with liberty mutual on one property. Never had a claim before. They also kept raising my insurance each year without my consent. Basically sent a email thinking that was good enough. Make sure to get quotes and compare the coverage. You’ll find a very large gap.

Paul

Jul 21, 2022

I have nothing but great things to say about this branch!!! Courtney has been awesome to work with even before I bought my house ,when I was Inquiring about coverage till now she had always taken the time to explain any question that pops up and she does so in a very friendly honest and personable way....Also Courtney gets back to you super fast when you reach out no matter how you contact her wether through email or phone She gets right back to you!!! I highly recommend this branch!!

sonya jones

Mar 5, 2022

Thanks to Courtney at State Farm for being so helpful and professional. Dropped everything after hours on a Friday evening to get my sister insured in an urgent situation. State Farm is the best, and Courtney is a life saver!

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Questions & Answers

What factors influence car insurance rates?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022

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

Does my homeowners insurance cover detached structures on my property?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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.

Can I use my check card or debit card?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022

State Farm accepts most major credit and debit cards.

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

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 2022
Ray Haynes Jr - State Farm Insurance Agent | Jul 6, 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?

Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 2021
Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 2021

State Farm accepts most major credit and debit cards.

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

Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 2021
Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 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?

Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 2021
Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 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?

Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 2021
Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 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?

Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 2021
Ray Haynes Jr - State Farm Insurance Agent | Oct 4, 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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