(800) 253-1482Can You Change Insurance Agents Within the Same Company?
Yes, you can switch insurance agents for your auto, home, landlord, and other policies while keeping the same insurance company. Many times, bad service and experiences are the agent’s fault and not the insurance company’s; so customers may want to use a new agent with the same insurance company. Here’s how the process generally works to get a new agent to service your current policies.
How to Change Insurance Agents and Keep Your Company
Switching agents is simple and usually takes just a few steps. You don’t have to get rid of your carrier if you’re happy with their offerings, even if you want a new agent.
The process is often called a Broker of Record (BOR) or Agent of Record (AOR) change. Here’s how you can make the change seamlessly:
Write and Submit Your Broker / Agent of Record Letter
If you want to switch agents within the same auto or home insurance company, you’ll often need to complete a “Broker of Record” letter. This letter is a formal notice to the insurance company that you are changing the agent or broker who represents you.
The BOR usually contains the name of the policyholder, the policy number, the effective date of the change, the name of the new agent or broker, and the name of the former agent or broker. It should be signed by the policyholder.
Once the Broker of Record form is completed, you’ll send it to the insurance company. The company will then process the request, which often involves notifying the old agent and updating their records to reflect the new agent’s details.
Your New Agent’s Role
Once the change is processed, your new agent will handle your policy inquiries, changes, renewals, and claims. They’ll be your main point of contact with the insurance company.
No Change to Your Policy Terms
Changing agents shouldn’t have an effect on the terms or pricing of your policy since you’re staying with the same insurance company. The change is primarily about who represents you and assists you.
Considerations
It’s a good practice to notify your old agent about the switch out of courtesy. Also, be sure you’re choosing a new agent you trust and are comfortable with, as they’ll play an essential role in managing your insurance needs.
Why You Might Want to Change Insurance Agents
It’s not unusual for people to feel frustrated with their agent. Maybe they don’t return calls, answer questions clearly, or proactively help when it’s time to renew. Whatever the situation, there are several great reasons to make the switch.
Unfortunately, even great carriers can deliver bad service from time to time, and often, this falls on the agent rather than the insurance company.
By changing insurance agents within the same company, you can keep your current policies while getting the support you deserve.
Before You Switch Agents
Remember, it’s always courteous to let your old agent know you’re switching, but it’s not required.
When choosing your new agent, it’s important to select someone who delivers on service and fits your needs. While this may be different for everyone, generally, it’s recommended to look for someone who:
- Communicates clearly and responds quickly.
- Understands your needs (home, auto, rental, or business).
- Represents multiple carriers to compare rates and deliver the best protection and rate for you, not their company.
- Has a strong reputation and reviews.
Companies That Allow You to Change Agents
| Insurance Company | Type of Coverage | Available States |
|---|---|---|
| Progressive | Auto | Texas, Missouri, Tennessee, Colorado |
| Encompass | Home & Auto | Texas, Missouri, Tennessee, Colorado |
| National General | Home & Auto | Texas, Missouri, Tennessee, Colorado |
| Safeco | Home & Auto | Texas, Missouri, Tennessee, Colorado |
| Travelers | Home & Auto | Texas, Missouri, Tennessee, Colorado |
| Wellington | Home | Texas, Missouri, Tennessee, Colorado |
| National Summit | Home | Texas, Missouri, Tennessee, Colorado |
| GAINSCO | Auto | Texas, Missouri, Tennessee, Colorado |
| Foremost | Home (Specialty Property) | Texas, Missouri, Tennessee, Colorado |
| Blue Cross Blue Shield | Health | Texas |
If you don’t see your company listed, call 800-253-1482, and we can check for you.
Change Insurance Agents Within the Same Company And Compare
Switching insurance agents isn’t about starting over; it’s about finding someone who truly listens and makes your coverage work harder for you. You can keep your same policy and carrier while gaining a partner who actually helps you get the most out of what you’re already paying for.
Of course, there are times when changing insurance companies can be just as smart. Maybe you’re looking for a better rate, broader protection, or a carrier that simply fits your situation better. Whatever the reason, we’ve got you covered.
At Freedom Insurance Group, we partner with top-rated carriers across Texas, Missouri, Tennessee, and Colorado to help homeowners and drivers find their perfect match.
Whether that means staying with your current company or making a change, our priority is finding the coverage that fits your needs, not the other way around.
Furthermore, since we’re a broker-agent, you get more than a policy; you get an advocate. We combine the resources of major insurance carriers with the personal touch of a local agent who works for you, not just the insurer.
No matter where you stand, whether it’s staying, switching, or exploring your options, our team is here to help you make confident choices.
Contact Freedom Insurance Group today to compare quotes, connect with a better agent, and find the protection and service you deserve.
Read Next: How To Switch Auto Insurance in Texas
Source:
Merlin Law Group. Accessed December 2025.
