Larry Lukovich - State Farm Insurance Agent

Category: Insurance agency in Waterford Twp, Michigan

Address: 5660 Dixie Hwy Ste 1, Waterford Twp, MI 48329, USA

Phone: +12486230878

Opening hours

Sunday: Closed

Monday: 9AM–5PM

Tuesday: 9AM–5PM

Wednesday: 9AM–5PM

Thursday: 9AM–7PM

Friday: 9AM–5PM

Saturday: Closed

Reviews

Bob Herron

Sep 7, 2022

Very nice people to deal with.

Bill Thaens

Aug 8, 2022

My wife and I first met Larry in 2001 when we purchased a home in Waterford. We were transferring our vehicles and getting a new homeowners policy. We followed his recommendation for the home owners policy after he pointed out saving a few bucks here and there may end up costing us much more down the road if something were to happen. That was the best advice we ever followed. We've had claims over the years and always received prompt and courteous service whether for our vehicles or home. But in 2018 our house caught fire. My wife was still recovering from cancer surgery so it hit her especially hard. She called Larry to let him know what was happening, and while the fire was still being extinguished, Larry showed up at our home (and on a Sunday). Mind you, he did not know about my wife's condition, but his showing up like that to assist us helped calm my wife (me too)! We went to his office. He reassured us about getting things in order to rebuild, gave us a check to help us get settled into a motel, and then continued to help us throughout the whole ordeal. If that's not like a good neighbor (pun intended), nothing is. I would recommend Larry, his agency, and State Farm to anyone and everyone!

Laurie Kimble

May 18, 2022

Great people and service

Josh Rodriguez

Mar 15, 2022

Good people helped out with new policy

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Questions & Answers

What factors influence car insurance rates?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022

State Farm accepts most major credit and debit cards.

How do I download the State Farm mobile app?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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.

Does my homeowners insurance cover detached structures on my property?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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 coverage is provided under homeowners policy?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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.

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

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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 much insurance coverage should I have on my home?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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?

Larry Lukovich - State Farm Insurance Agent | Jun 27, 2022
Larry Lukovich - State Farm Insurance Agent | Jun 27, 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.

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

Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021
Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021

State Farm accepts most major credit and debit cards.

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

Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021
Larry Lukovich - State Farm Insurance Agent | Oct 25, 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?

Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021
Larry Lukovich - State Farm Insurance Agent | Oct 25, 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?

Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021
Larry Lukovich - State Farm Insurance Agent | Oct 25, 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?

Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021
Larry Lukovich - State Farm Insurance Agent | Oct 25, 2021

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

Are you the one that contacted me on a full coverage policy on a Dodge Stratus

EDDIE PRESCOTT | Oct 26, 2017
EDDIE PRESCOTT | Oct 25, 2020

Yes I am

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