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Arizona drivers saw auto insurance rates jump 22% in 2024. Homeowners? Some got hit with 50% to 100% increases in a single year. That’s not a billing error—it’s the market right now.
You’re not imagining it. Rates have climbed 70% over six years for home insurance alone, and major carriers like State Farm stopped writing new policies entirely. Nationwide started dropping customers in high-risk zip codes.
So what do you do when your premium spikes or your policy gets non-renewed? You need options. That’s where an independent agency makes sense. We represent over 100 insurance companies—including names like Progressive Insurance, Geico, USAA, and AAA Insurance—so we can shop your coverage across multiple carriers instead of being stuck with one. If your rate goes up with one company, we move you to another. You’re not locked in.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been doing this for decades, with offices in Mesa and Peoria and service across the entire state—including Aguila, Wickenburg, and the rural communities northwest of Phoenix.
We’re not a call center. When you reach out, you talk to someone local who understands what it’s like to insure a home in the Sonoran Desert or a truck that sits in 120-degree heat half the year. Dust storms, wildfire smoke, monsoon damage—we’ve seen it all.
We’ve earned over 930 five-star reviews on Google, been named Agents of the Year in 2023, and we’re a Trusted Choice agency. That means we meet national standards for service and ethics. But more than that, it means we pick up the phone.
First, we talk. You tell us what you’re insuring—auto, home, business, life—and what you’re paying now. We ask about claims history, coverage limits, and whether you’ve had any gaps or cancellations. Takes about 10 minutes.
Then we shop. We run your information through 40+ top-rated carriers to see who offers the best combination of price and coverage. That includes direct auto insurance companies, regional carriers, and national names like Progressive Insurance Company, Geico car insurance, and USAA car insurance. We’re looking for the right fit, not just cheap car insurance that leaves you underinsured.
Once we find a few strong options, we walk you through them. We explain what’s covered, what’s not, and where you might be exposed. You decide what works. If you want to switch, we handle the paperwork and even help cancel your old policy. No cost to you—our commission comes from the carrier, not your wallet.
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Out here, your risks look different than they do in central Phoenix. You’re more likely to hit wildlife on Route 60. Your home might be on well water or septic. Your property could be acres, not a quarter lot. Standard policies don’t always account for that.
We make sure your auto insurance covers comprehensive damage—because dust storms wreck paint jobs and cracked windshields are a fact of life. We check your home insurance for replacement cost coverage, especially with rebuilding costs up 30% since 2020. And if you run a small business or farm operation, we find commercial policies that actually cover your equipment and liability.
Arizona’s median household income in Aguila is around $48,500, and nearly a quarter of families are below the poverty line. That means cost matters. But so does avoiding a coverage gap that costs you everything when something goes wrong. We help you find that balance. You’re not overpaying for coverage you don’t need, and you’re not underinsured when a monsoon takes out your roof or a fender bender turns into a lawsuit.
We also write life insurance for families who want income replacement or mortgage protection. It’s not flashy, but it’s one of those things that matters when it matters most.
Arizona auto insurance rates jumped 22% in 2024, and home insurance has climbed 70% over the past six years. You’re seeing increases because of a few big factors: more severe weather, higher repair costs, increased wildfire risk, and rising home values since 2020.
Insurance companies are adjusting rates to match the risk. When rebuilding a home costs 30% more than it did three years ago, your coverage limits need to go up—and so does your premium. Add in inflation on car parts and labor, and you’ve got a market where everyone’s paying more.
The good news? Rates vary wildly between carriers. One company might raise your premium 40% while another raises it 10%. That’s why shopping around matters. We can show you what five or six different insurance companies would charge for the same coverage, so you’re not stuck with the highest bid.
When you buy direct from Geico car insurance or Progressive Insurance, you’re getting one option—theirs. If your rate goes up or they non-renew your policy, you start over with a new company and a new quote process.
An independent agency like ours represents 40+ carriers. We can quote you with Progressive, Geico, USAA insurance, AAA insurance, and dozens of others all at once. If your rate spikes with one company next year, we move you to another without you having to do the legwork.
You’re also talking to a real person who knows Arizona. We understand monsoon damage, dust storm claims, and how wildfire risk affects your homeowners policy. A call center rep in another state doesn’t have that context. We do, and we’re here when you need us—not just when you’re buying a policy, but when you’re filing a claim or your life changes and your coverage needs to shift.
Most people don’t realize their coverage is too low until they file a claim. Arizona home values have surged since 2020, and rebuilding costs are up 30% or more depending on materials and labor. If your policy limit hasn’t kept pace, you could be underinsured by $50,000 or more.
Here’s what to check: look at your dwelling coverage limit on your declarations page. That’s the amount your insurance company will pay to rebuild your home if it’s destroyed. Compare that to what it would actually cost to rebuild today—not what you paid for the house, but what a contractor would charge per square foot in your area.
If the numbers don’t match, you need to increase your coverage. We help clients review their limits every year, especially if they’ve done renovations or added square footage. It’s a simple conversation, but it can save you from a massive gap when you need your insurance to actually work.
USAA car insurance and home insurance are only available to active duty military, veterans, and their immediate family members. If you’re eligible, USAA often has competitive rates and strong customer service. If you’re not, you can’t buy from them directly.
That said, there are plenty of other carriers that offer similar coverage and pricing. Progressive Insurance Company, Geico, AAA Insurance, and others all compete in the same space. We can show you how they stack up side by side so you’re not wondering if you’re missing out.
If you are eligible for USAA insurance, we can still help. We’ll quote USAA alongside other options to make sure you’re getting the best deal. Sometimes USAA wins, sometimes another carrier beats them by 20%. Either way, you’ll know.
Non-renewals are happening more often in Arizona, especially for homeowners in areas with wildfire exposure or multiple claims. If your carrier decides not to renew your policy, they have to give you notice—usually 30 to 60 days depending on the reason.
That’s not a lot of time, and it can feel like you’re scrambling. But you’re not stuck. We work with over 100 insurance companies, including carriers that specialize in higher-risk properties or clients with claims history. Some companies won’t touch you after two claims in three years. Others will, but at a higher rate. We find out who’s willing to write your coverage and at what price.
The key is not to let your coverage lapse. If you go even one day without insurance, you’ll pay more when you do get covered again—and some lenders require continuous coverage or they’ll force-place a policy that costs two or three times what you’d pay on your own. Call us as soon as you get a non-renewal notice and we’ll start shopping immediately.
Nothing. You don’t pay us a fee. We get paid a commission by the insurance company when you buy a policy, the same way a captive agent at State Farm or Allstate gets paid. The difference is we’re not tied to one carrier, so we can shop around on your behalf.
Your premium is the same whether you buy directly from Progressive Insurance or through us. But when you work with us, you get access to 40+ carriers, ongoing support when your policy needs change, and someone local who picks up the phone when you call.
We also handle the paperwork when you switch carriers, including canceling your old policy so you don’t get double-billed. It’s all part of the service, and it costs you nothing extra. You’re paying for insurance either way—this way, you get more options and a real person in Arizona looking out for you.
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