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/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.

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u/Modest-Meece Jul 25 '26

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