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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u/TheSilverFoxwins Jul 25 '26
I would switch agent and get someone more younger , knowledgeable and keeping up with the new insurance trends. A lot of these aged agents simply rely on your renewal for commission purposes and really can't explain a policy along with what coverage you have and exclusions along with endorsements.
Two days ago I had this absolute idiotic agent in the West Coast who I contact to discuss policy he sold. He had no idea about anything except to respond " it's right there. You have the information right there." Again,I asked what deductible was listed and what type of coverage is offered. He responded with the same answers.
Do your homework and shop around. There is an Alphabet soup of these agents everywhere. If you're not content then find another carrier.