Hear from Our Customers
Arizona homeowners saw premiums jump 48% last year—double the national average. Auto insurance climbed 20.6% in 2024, the biggest spike in nearly 50 years. If you’re still with the same company you’ve had for a decade, you’re probably overpaying.
When you work with an independent agency that represents over 100 insurance companies, those companies compete for your business. That means you’re not stuck with whatever GEICO or Progressive or USAA decides to charge you this year. You get quotes from all of them, plus dozens of regional carriers most people have never heard of.
The difference isn’t small. Drivers with excellent credit in Arizona save an average of $782 annually just by comparing rates. Homeowners facing wildfire risk or flood zone designations often find coverage through specialty carriers when the big names walk away. You’re not begging one company to keep you—you’re choosing who earns your business.
We operate out of Mesa and serve Circle City, AZ and the entire state. We’ve been here through the rate hikes, the policy cancellations, and the market chaos that’s left Arizona homeowners scrambling.
We’re not a call center. We’re not routing you to someone in another state who’s reading from a script. When you call, you get a licensed agent who knows what’s happening in Maricopa County—the wildfire risk affecting 15% of properties, the flood zones around undeveloped land, the carriers still writing new policies when others won’t.
We’ve earned 930+ five-star Google reviews and recognition as Agents of the Year in 2023 because we do what we say we’ll do. We answer the phone. We explain your options. We don’t disappear after you sign.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s changed since you last shopped. If your rates doubled or your company dropped you after a claim, we need to know that upfront.
Second, we quote. We run your information through our network of over 100 carriers—including the ones you’ve heard of like Progressive Insurance, GEICO car insurance, USAA insurance, Direct Auto Insurance, and AAA insurance, plus regional carriers that specialize in tough-to-place risks. This takes a few hours, not days.
Third, we compare and explain. You’ll see real numbers from multiple insurance companies side by side. We walk through what each policy actually covers, where the gaps are, and what you’re trading off if you go with cheap car insurance versus more comprehensive protection. Then you decide. If you want to switch, we handle the cancellation of your old policy at no cost.
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Circle City sits in an area where some homes fall into FEMA flood zones and wildfire risk is real. That matters when you’re shopping for homeowners insurance. Not every carrier will write a policy here, and the ones that do price it differently based on how they assess those risks.
For auto insurance, Arizona is an at-fault state with minimum liability requirements of 25/50/15. That’s $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. Most people carry more than the minimum because medical bills and vehicle repairs cost more than that after a serious accident.
We represent over 40 top-rated auto insurance carriers and dozens of home insurance companies. That includes Direct Auto Insurance Company, Progressive Insurance Company, and USAA car insurance for military families. It also includes regional carriers that focus on high-risk drivers, homes in flood zones, or properties near undeveloped land.
The median household income in Circle City is $34,056, and nearly 20% of families live below the poverty line. Cost matters. But so does having coverage that actually pays when you need it. We help you find the balance between affordable premiums and protection that won’t leave you stuck with a $10,000 bill after a fender bender.
Arizona’s insurance market is reacting to statewide losses, not just your personal history. Homeowners insurance jumped 48% in 2024 because carriers paid out massive claims for wildfires, monsoon damage, and water intrusion. Auto insurance climbed 20.6% because repair costs, medical expenses, and used car prices all spiked at the same time.
Your company spreads those losses across everyone they insure in the state. Even if you’ve been claim-free for 15 years, you’re subsidizing the people who weren’t. That’s how insurance works—but it also means you’re not locked into accepting it.
When you compare insurance companies, you’ll see that different carriers price the same risk differently. One company might see Circle City as high-risk because of wildfire exposure. Another might not weight it as heavily. Shopping every year or two keeps you from overpaying just because your current company decided to raise rates across the board.
Progressive Insurance and GEICO car insurance are direct writers. They only sell their own policies. When you call them, you get one quote from one company. If their rate is high or they won’t cover you, you start over with someone else.
An independent agency like us represents over 100 insurance companies, including Progressive and GEICO. We quote all of them at once. You see what GEICO would charge, what Progressive would charge, what USAA insurance offers if you’re military, and what 97 other carriers would do.
You’re not paying extra for this. Insurance companies pay us the same commission whether you buy from them directly or through us. The difference is you get one conversation and 100 options instead of making 100 phone calls yourself. If your rate goes up next year, we re-shop it. If you need to file a claim, we help you navigate it. You’re not on your own.
Cheap car insurance usually means one of three things: high deductibles, low liability limits, or no comprehensive and collision coverage. You’ll pay less per month, but you’re also exposed to more risk if something happens.
Here’s what to check. If your liability limits are at Arizona’s minimum—25/50/15—you’re underinsured. Medical bills from a serious accident easily exceed $25,000 per person. If you cause a crash and the other driver’s expenses go beyond your limits, they can sue you personally for the difference.
If your deductible is $1,000 or higher, you’re covering more of the repair costs out of pocket before insurance kicks in. That’s fine if you have savings set aside, but it’s a problem if you don’t. If you dropped comprehensive and collision to save money, your insurance won’t pay to fix your car after an accident—only the other person’s.
We walk through these trade-offs with you. Sometimes cheap car insurance makes sense because you’re driving an older vehicle that’s not worth much. Other times it’s a gamble that costs you more in the long run. You’ll know exactly what you’re getting before you buy.
Yes, but it takes more work. Arizona homeowners are getting dropped at higher rates than almost anywhere else in the country. Some people report being rejected by 22 insurance companies before finding coverage. The state’s insurance director has stepped in because the problem got so bad.
If you’ve been dropped, it’s usually because of your claims history, your home’s age or condition, or your location near wildfire or flood zones. Circle City has some properties in FEMA flood zones and sits near undeveloped land, which raises wildfire risk. That makes some carriers nervous.
We work with specialty carriers that focus on non-standard risks. These companies charge more than AAA insurance or USAA insurance would, but they’ll write the policy when others won’t. We also help you understand what you can fix to become insurable again—updating your roof, clearing brush around your property, or installing fire-resistant materials.
The worst thing you can do is let your coverage lapse. Arizona lenders require homeowners insurance, and driving without it is illegal. Even expensive coverage is better than no coverage while you work on getting into a better situation.
Bundling usually saves you money, but not always. Most insurance companies offer a discount if you buy multiple policies from them—typically 5% to 25% off your total premium. That adds up.
But here’s what’s happening right now in Arizona. Home insurance rates are climbing faster than auto rates. Some people who bundled years ago are now shopping around because their home premium doubled and wiped out any savings they were getting on the auto side.
When we quote your insurance, we run it both ways. We’ll show you what bundling saves you with each carrier, and we’ll also show you what happens if you split your policies between two companies. Sometimes the best home rate is with one carrier and the best auto rate is with another, and even without a bundle discount you’re still paying less overall.
Direct Auto Insurance Company and Progressive Insurance Company both offer bundle discounts, but so do dozens of smaller carriers you’ve never heard of. We make sure you’re actually saving money, not just assuming the bundle is the best deal because that’s what the commercials say.
You file the claim with whoever insures you on the date of the loss. If you switch from GEICO to Progressive on March 1st and you have an accident on March 5th, you’re filing with Progressive. Your old policy with GEICO ended, and they’re not involved.
This is why we don’t just sell you a policy and disappear. When you work with an independent agency, we’re your advocate during the claims process. You call us, we help you file the claim with the right carrier, and we follow up to make sure it’s handled correctly.
Insurance companies sometimes drag their feet, lowball the damage estimate, or deny claims they should be paying. When that happens, you’re not fighting them alone. We’ve been doing this long enough to know what’s normal and what’s not. We push back when we need to.
That’s the difference between buying USAA car insurance or Direct Auto insurance directly versus working with a local agency. When you call the 1-800 number, you get whoever answers. When you call us, you get someone who already knows your situation and has a relationship with the carrier’s claims department. It moves faster, and it’s less frustrating for you.
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