INSURANCE Rates for Farm & Ranch? Combined with Auto?

[Siesta Sundance]

Farmers , but I no longer shop around just stay with SF.

SF seems expensive so far, waiting for 2 others insurance companies for overall comparison.

 

[Workerbee]

Many years ago I switched companies to save a substantial amount, and the next year the premium jumped to more than the original company’s rate.
I went in and spoke with the owner/agent of the new company how this could be.
He told me flat out he wanted our business, so adjusted the premium cost for that first year. The agents company got 50% of the premium for the first year, then afterwards went back to a much more modest cut. So yeah, any agent can beat what you are paying now, but the next year the rates go up.

 

[Siesta Sundance]

Many years ago I switched companies to save a substantial amount, and the next year the premium jumped to more than the original company’s rate.
I went in and spoke with the owner/agent of the new company how this could be.
He told me flat out he wanted our business, so adjusted the premium cost for that first year. The agents company got 50% of the premium for the first year, then afterwards went back to a much more modest cut. So yeah, any agent can beat what you are paying now, but the next year the rates go up.

We have a lot of assets to insure, we have awesome credit, no dings on drivers licenses and no claims.
I prefer to be a smart consumer and shop around. I have no problems switching companies now or later down the road.