Hear from Our Customers
Your premium just jumped 50%. Or maybe you filed one claim and got a non-renewal notice. Either way, you’re now shopping for insurance companies in Arizona and realizing how different this market has become.
Here’s what most people don’t know: you don’t have to call Progressive Insurance, GEICO car insurance, USAA insurance, and AAA insurance separately. You don’t have to fill out the same information five times hoping one of them gives you a decent rate.
An independent agent does that work for you. We represent over 40 insurance carriers, which means we can quote your auto and home coverage across multiple companies in one conversation. When State Farm stops writing new policies or your current carrier decides Arlington is too risky, we’ve got other options ready. You get the coverage you need without spending your weekend on hold or filling out forms that all ask the same questions.
Premier Choice Insurance is a family-owned independent agency that’s been helping Arizona residents navigate this exact situation for years. We’re not GEICO or Progressive or any single insurance company. We work with them and dozens of others.
That means when you call, you’re talking to someone in Arizona who understands why your rates went up 62% over the past five years. Someone who knows that Arlington residents face the same wildfire risk assessments and monsoon damage concerns as the rest of Maricopa County. Our office is in Mesa, our agents are licensed in Arizona, and we’ve built this business on actually picking up the phone.
We’ve earned over 930 five-star Google reviews because we do what we say we’ll do. We’ll shop your coverage, explain your options, and stick around after you buy the policy.
You reach out by phone or through our website. We ask about your current coverage, what happened with your last insurer, and what you’re looking for. This takes about 10 minutes.
Then we quote your auto or home insurance across our network of carriers. We’re talking USAA car insurance, Direct Auto Insurance, AAA, Progressive, GEICO, and 35+ others you may not have heard of but are highly rated and writing policies in Arizona right now. We’re looking at coverage levels, deductibles, and price. We’re also looking at which companies are actually stable in this market and won’t drop you after one claim.
We present you with real options. Not just the cheapest car insurance, but the best value, which means coverage that’ll actually be there when you need it. You decide which option makes sense. We handle the paperwork, bind the coverage, and if you want, we’ll even cancel your old policy for you.
After that, we’re still here. Your rate goes up next year? Call us. You buy a new car? Call us. You need to file a claim? We’ll walk you through it. That’s the difference between working with an independent agent and buying direct from one insurance company.
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You get access to over 40 insurance carriers without making 40 phone calls. That includes the big names like Progressive Insurance Company, GEICO, USAA, and Direct Auto, plus regional carriers that often have better rates for Arizona drivers.
You get someone who knows the local market. Arizona auto insurance premiums increased 20.6% in 2024, the largest jump in nearly 50 years. Home insurance rates in Arizona have surged 62.1% over five years, the highest increase in the country. We’re not surprised when you tell us your rate doubled. We’re seeing it across Arlington, Mesa, Chandler, and every other city in Maricopa County.
You get real advice about coverage. A lot of people are underinsured right now because they’ve been with the same company for 15 years and never increased their dwelling coverage. Your home is worth $450,000 but you’re insured for $280,000. That’s a problem we can fix.
You get ongoing support. When you need to file a claim, when your situation changes, when you’re shopping again in a few years because the market shifted again—we’re still here. No cost for our service. You pay the same price you’d pay going direct to the insurance company, but you get professional help and multiple options.
Insurance carriers are reassessing risk across Arizona, particularly in areas near wildland interfaces. State Farm suspended new homeowners policy applications. Nationwide has been non-renewing policies. Even long-term customers with clean claims history are getting dropped because of where they live, not anything they did wrong.
The math changed for these companies. Wildfire risk, increased rebuilding costs, and higher claim frequency made Arizona less profitable. Rather than raise rates high enough to cover the risk, some carriers decided to stop writing new business or reduce their exposure by dropping existing customers.
This is exactly why working with an independent agent matters. When one insurance company exits the market or drops your policy, we’ve got 40+ other carriers to quote. You’re not starting from scratch trying to figure out which companies are even writing policies in Arlington anymore.
Cheap car insurance is worth it if it’s actually adequate coverage at a lower price. It’s not worth it if you’re just buying state minimum liability to save money and then you cause an accident that costs $200,000 in damages.
Arizona requires 25/50/15 liability coverage. That’s $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage. That doesn’t go far when you total someone’s $60,000 truck and they need surgery. We usually recommend at least 100/300/100 coverage, sometimes higher depending on your assets.
The goal isn’t the cheapest possible premium. The goal is the best value, which means adequate protection at a competitive price from a carrier that’s financially stable and won’t drop you after one claim. Sometimes that’s GEICO or Progressive. Sometimes it’s a regional carrier you’ve never heard of that has better rates for your specific situation. We’ll show you both options and explain the difference.
USAA insurance, Progressive Insurance, and GEICO car insurance are all direct writers. You buy from them, they insure you, that’s the relationship. If they decide to raise your rate or non-renew your policy, you start over with a different company.
We’re an independent insurance agent, which means we represent multiple insurance companies including Progressive, GEICO, and others. When you work with us, we can quote you with several carriers at once. If your rate goes up with one company next year, we can move you to a different carrier without you having to start the shopping process all over again.
You’re also getting a local advocate. When you call GEICO, you’re talking to someone in a call center reading from a script. When you call us, you’re talking to a licensed agent in Arizona who can look at your full situation, explain your options, and help you make an informed decision. Same price, better service, more options.
If your insurance company just sent you a non-renewal notice, you typically have 30 days in Arizona. That’s less time than most states give you, which is why you need to start shopping immediately.
We can usually quote your coverage the same day you contact us. If you’re a straightforward case—decent driving record, no major claims, standard home—we can often bind coverage within 24 to 48 hours. If your situation is more complex, maybe you’ve had a couple of claims or you’re in a high-risk area, it might take a few days to find the right carrier.
The key is not waiting until day 29. The closer you get to your cancellation date, the fewer options you have and the higher your rate will be. Some carriers won’t even quote you if you’re within a week of losing coverage. Call us as soon as you get that notice. We’ll prioritize your quote and find you coverage before your current policy ends.
You can absolutely shop online yourself. You can go to Progressive’s website, GEICO’s website, Direct Auto Insurance, AAA Insurance, and request quotes from each one. You’ll spend several hours entering the same information repeatedly, and you’ll get quotes from maybe five or six companies.
Here’s what you won’t get: access to the 35+ other carriers that don’t sell direct to consumers. Knowledge about which companies are actually stable in the Arizona market right now. Advice about whether you’re underinsured or paying for coverage you don’t need. Someone to call when you have a question about your policy or need to file a claim.
We do this every day. We know which insurance companies are offering competitive rates for Arlington residents right now. We know which ones have good claims service and which ones fight every claim. We know how to structure your coverage to get you the protection you need without paying for things you don’t. And it costs you nothing extra—you pay the same price you’d pay going direct, but you get professional help and ongoing support.
First, don’t panic and don’t ignore it. Arizona home insurance rates have increased 62% over the past five years, so you’re not alone. But a rate doubling is extreme and usually means your carrier either reassessed your risk or is trying to push you to cancel.
Call us and let us shop your coverage with other insurance companies. Bring your current declarations page so we can see exactly what you’re insured for and what you’re paying. We’ll quote you with multiple carriers and see if we can find you a better rate with the same or better coverage.
Sometimes we can save you money by moving carriers. Sometimes we find out you’re actually underinsured and need to increase your coverage, but we can still do it for less than your current doubled rate. Either way, you’ll know your options and can make an informed decision instead of just accepting whatever your current insurance company decides to charge you.
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