Do all State Farm agents charge the same?

  • by Cheryl
  • May 04,2017
  • 8 answers

No wrecks, no accidents, no claims, perfect driver for around a decade. Think I had a ticket many years ago. My SF agent gets a kick out of raising my insurance (1 car and renters) a few bucks every month. I'm sick of it.
If I change agents, could it go down? I'll also get quotes from Allstate and another company.


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Insurance Answers (8)

Bill 6 months ago

The individual Agents do not set the rates!!! Rates are set by the Company's Underwriting Dept based on a persons driving record, driving experience, residence location, family members and type of vehicle being insured.

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coraann 6 months ago

Tell him if it continues, you will be shopping for a new company.

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Flower 6 months ago

The insurance companies set the insurance rates, not the agents. The rates vary among companies. If you dont like State Farm, go elsewhere. I have AAA because they were the lowest.

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Casey Y 6 months ago

1. The agent isn't increasing your premium, the company is.
2. It is possible you could see different premiums from different agents, but the rates are the same. So, someone might offer you less coverage for less premium, doesn't mean that you are getting a "deal" just less coverage.
3. Why not shop the business every so often? No company is cheapest every year...
4. Try some independent agents. Just because they don't have a name on the door you recognize from commercials does not mean that the insurance coverage isn't exactly the same....

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lucy 6 months ago

State Farm Insurance sets the rates. And yes, as your agent, they get a commission from each policy they write for you.
But as an agent, then it is their job to answer questions and if you have a claim, then you file with the agent 1st, who then files with the insurance company.
So, if you change companies, your rates could be higher/lower.

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g 6 months ago

If all things are equal, yes, but they never are. Insurance costs is based on multiple factors, including where you reside. specific year, make and model of vehicle to insure, type of coverage, set deductibles, and your age and driving history.

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StephenWeinstein 6 months ago

The agents don't pick the rates. State Farm does. The agent isn't raising the rate. State Farm is. Changing agents won't help.

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HJW 6 months ago

I had State farm for years, clean driving, no marks on record. All of a sudden It kept going up and up 3 months in a row. I changed Insurance. my rates are lower.
It went from 74.00 a month, 2 months later to 83.00 and 2 more months later to 96.00. I quit them so fast.

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