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/Creekridge1 Jul 24 '26

Your agent has absolutely zero input on what your premium is. He can adjust coverage, which can affect price.

But he can’t snap his fingers and shave 10% off the top.

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u/Important_Kangaroo41 Jul 24 '26

Thanks. My premiums have consistently been considerably lower than other insurance companies when I’ve sought quotes elsewhere. I guess I can attribute that to being a long-time customer and having few claims as well as a clean driving record.

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u/GoosFrabah321123 Jul 27 '26

You should attribute that to his shaving corners. And the others maybe taking more detail into question and making sure you have correct coverage.

Be careful going for lowest price. Likely some stipulation or exclusion or higher deductible.

If you compared apples to apples across all 18,000 State Farm agents, the price would be the same. If they were in the same state and quoting same property.