Buffie Arhbal - State Farm Insurance Agent

Category: Insurance agency

Address: 444 Front St #1, Owego, NY 13827, USA

Phone: +16076877771

Opening hours

Sunday: Closed

Monday: 9AM–5PM

Tuesday: 9AM–5PM

Wednesday: 9AM–5PM

Thursday: 9AM–5PM

Friday: 9AM–5PM

Saturday: Closed

Reviews

Stephanie Browne

Mar 12, 2022

Buffy and staff are always friendly. Super helpful and pretty quick at what they do.

Colleen Manuel

Aug 11, 2021

I have been with the agency for several years and have always been able to email in with any question or concern and Betsy has always gotten right back to me. It is easier for me to email versus call and she has never discouraged me for this. I have referred my mother to this agency and my daughter has stayed with them! Great customer service

TraseLynn

Jul 26, 2021

I called the office today to cancel a policy on a car that I sold. Amber answered the phone. I told her I wanted to cancel the policy. She asked if I had turned in the plates. I started to explain why I couldn’t turn in the plates. Then she became very rude, telling me that she wouldn’t cancel the policy because of the plates. I tried repetitively to explain the situation but she kept talking over me. I asked her to stop talking over me. She began screaming at me saying “stop yelling at me” At no time did I yell. I’m sure my voice became stern out of frustration of her continuously interrupting me and speaking over me while I was talking. I am shocked that a person in a customer service position would be so incredibly rude to a customer. I will definitely be cancelling the remaining policies by the end of the week, once other insurance is secured. State Farm is a great company but do NOT use this agent as she has hired staff that in no way represents the customer service of StateFarm. I have been a customer of StateFarm for over 3 decades but no more.

Jose Traverso

Jul 17, 2021

I crashed my motorcycle about 2 months ago. I wasn’t injured (I have boots, jacket, pants, gloves and a thoroughly torn helmet to thank for) but my sweet ride didn’t make it. State Farm claims department was initially on the ball and then, all of a sudden, not so much: slow overall process, no attempt to contact customer to inform of claim status, website where you can verify claim status not reflecting what they tell you when you call them to inquire, not abiding by the timelines they give you… quite frustrating, believe me you; it felt like I had to take the initiative to contact the claims department in order to keep things moving. Finally, thanks to the intervention of my insurance agent’s office, the claim came back on track. I am almost at the end of the process (waiting for a check to arrive as I write this, I don’t want to jinx it) but I would like to thank Betsi and Amber at the Owego,NY office for their kindness, patience and understanding of the situation; I believe their intervention in this matter was pivotal; they shine on their own merit. Thank you very much ladies, I appreciate you both. Finally, I would also like to thank Michelle at the Total Loss department for her easy going demeanor and professionalism demonstrated during our interaction. Thank you Michelle, I appreciate you too. At the end of the day, it was people taking care of people that solved the situation. People going the extra mile to make things right for their customer. And because of that I remain a State Farm customer. .

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Questions & Answers

What factors influence car insurance rates?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022

State Farm accepts most major credit and debit cards.

Does my homeowners insurance cover detached structures on my property?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Jul 8, 2022
Buffie Arhbal - State Farm Insurance Agent | Jul 8, 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?

Buffie Arhbal - State Farm Insurance Agent | Oct 6, 2021
Buffie Arhbal - State Farm Insurance Agent | Oct 6, 2021

State Farm accepts most major credit and debit cards.

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

Buffie Arhbal - State Farm Insurance Agent | Oct 6, 2021
Buffie Arhbal - State Farm Insurance Agent | Oct 6, 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?

Buffie Arhbal - State Farm Insurance Agent | Oct 6, 2021
Buffie Arhbal - State Farm Insurance Agent | Oct 6, 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?

Buffie Arhbal - State Farm Insurance Agent | Oct 6, 2021
Buffie Arhbal - State Farm Insurance Agent | Oct 6, 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?

Buffie Arhbal - State Farm Insurance Agent | Oct 6, 2021
Buffie Arhbal - State Farm Insurance Agent | Oct 6, 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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