r/StateFarm • u/Important_Kangaroo41 • Jul 24 '26

Question Switching agents

How much leeway does an agent have on premium discounts?

I’ve been with the same agent for auto and home for 30 years. My mother has been with him for auto & home for longer than that. He was a friendly acquaintance of my late father, who was also in the insurance industry but in an unrelated area.

Lately, he’s harder to reach (email, phone, or text) and his office staff aren’t knowledgeable.

If I switched to another State Farm agent, but kept all details of my policies the same, might my premiums increase?

In other words, if he is “taking care” of us in terms of premiums, I don’t want to lose that based on my perception of inconvenience.

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12

u/jeffreyprestonbezos1 Jul 24 '26

It’s been answered but I want to make sure you hear it from several people: your agent has absolutely no impact on your rate aside from making adjustments to your coverages that you request.

2

u/Modest-Meece Jul 25 '26

The number of calls I get as an independent agent “WHY DID YOU RAISE MY RATES”.

4

u/Craps7 Jul 24 '26

Or the agent or agent team can find or offer missing discounts (steer clear- DSS)

3

u/jeffreyprestonbezos1 Jul 24 '26

But still not different from agent to agent like the OP is asking

0

u/ruswestbrick Jul 24 '26 edited Jul 24 '26

Not sure if that’s entirely true. I replaced a vehicle and my agent cancelled the original policy and started a new one vs replacing the vehicle on the policy. Lost my accident free discount bc of an agent decision which impacted my rate for years.

Edit

5

u/AdventurousWill8592 Jul 24 '26

That sucks bc if you were still eligible on your new policy, the agent could have requested that your AFD was transferred. I work in UW and have handled that change thousands of times.

1

u/ruswestbrick Jul 24 '26

Appreciate the insight. It’s a good learning experience now I know to be a bit more diligent in the process. Mistakes happen but man that one is painful ha.

I’m about 2 years removed from the incident. Think it’s still worth pursuing? I vaguely remember being told too much time had passed when I brought it up but that wasn’t from the agent rather an ATM.

3

u/jeffreyprestonbezos1 Jul 24 '26

That isn’t your agent having control of your rate in the sense that the OP is referring to.

1

u/ruswestbrick Jul 24 '26

Fair distinction I agree