Changing Insurance Agents

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 24, 2011

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Insurance Question from Acmar, AL

Asked on 09/24/2011

Changing Insurance Agents I have the same coverage with the same insurance company but changed agents. The insurance company cancelled my exisiting policy, rewrote a new policy, then, charging for a "new state" fee of over $160 a year! Is the normal procedure when only changing agents?

Answer given on September 27, 2011

Actually this is not typical. Some agents “own” their book of business. Therefore, if you change agents, some insurance carriers might require the policy to be cancelled and re-written by the new agent. But again, this is rare. It usually would happen if you wrote you policy with an independent agent. But normally, the insurance company would just re-assign to the new agent with new agents number or code for commission purposes. Not sure of what a “new State” fee would be. I would call the insurance company directly. Advise them that you have only changed agents and ask them to fully explain why you are being charge a “new state” fee when this is neither a new policy nor are you a new customer. Remember, you can always get a new quote on your insurance from another carrier that probably will not charge you $160 a year for a “new state” fee! Let them know you are planning to do that if they do not remove this fee! For a free quote, go to our website and click on “get an insurance quote”. This will also help you to find a reputable agent in your area.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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