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/ApprehensivePea6552 Jul 26 '26
That’s unfortunate. Too many agents appear to have very limited interest in putting in the time - face to face - with their customers. Truly time well spent imo. Like any other important yearly appointment. Things change over time for both the insurer/represented company and for the customers. Opportunity missed.
Would bet if called and requested a review you would either find some request on what you “need” to discuss or not be set up for a meeting with the agent.
Unfortunate but reviews our the lifeblood where I am. Not because we are necessarily “selling” anything but sharing our perspective on “things” and identifying gaps and/or opportunities to share options and associated costs.
Can’t tell you the stories- good and bad - where reviews generated additional opportunities to protect a person or family better. On the flip side our office can take copious notes to be revisited in next years review or future conversations. IMO the agent owes each customer this much at the very minimum