Hear from Our Customers
You’re not stuck with whatever rate Progressive or Geico quotes you online. When you work with an independent agency, you get access to dozens of insurance companies at once—including the big names like USAA, AAA, and Direct Auto, plus carriers you’ve never heard of that might beat them all.
That means we’re shopping your coverage across the market, not just selling you one company’s policy. If your rate jumps next year, we re-shop it. If you file a claim and get dropped, we move you somewhere better. You’re not starting over every time something changes.
Most people in El Mirage don’t realize they’re leaving money on the table because they’ve only called one or two companies. The difference between the highest and lowest quote for the same coverage can be $800 a year or more. That’s real money—and it’s yours to keep when someone’s actually comparing options for you.
We’re a family-owned independent agency that’s been serving Arizona for years. We’re not a call center in another state. We’re local, licensed, and we actually work in the office—which matters when you need help filing a claim or your policy gets canceled out of nowhere.
We’ve earned over 930 five-star reviews and recognition as one of the Three Best Rated Insurance Agents in Mesa because we do what most insurance companies won’t: we stay involved after you sign. El Mirage residents deal with the same challenges the rest of the Valley faces—rate hikes, wildfire risk, monsoon damage, and uninsured drivers. We know what coverage actually holds up here because we’ve seen what happens when it doesn’t.
You’re not getting a quote bot or an algorithm. You’re getting a real conversation with someone who can explain what you’re buying and why it matters.
First, you call or text us at (480) 830-1800. We’ll ask about your current coverage, what you’re paying, and whether you’ve had any claims or tickets recently. This takes about ten minutes, and it’s not a sales pitch—we’re just gathering the details we need to run accurate quotes.
Then we shop your coverage across our network of 40+ insurance companies. That includes the ones you already know—Progressive Insurance, Geico, USAA, AAA Insurance, Direct Auto—and plenty you don’t. We’re looking for the best combination of price and coverage, not just the cheapest option that leaves you exposed.
Once we’ve got your quotes, we walk you through them. We’ll explain what’s different between policies, where you might be overpaying, and where you might be underinsured. If you decide to switch, we handle the paperwork and coordinate the cancellation of your old policy at no cost to you. And if your situation changes down the road—new car, new home, rate increase—you call us and we re-shop it. That’s the difference between working with one insurance company and working with an agency that represents dozens.
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You get access to more than 40 top-rated insurance carriers under one roof. That includes household names like Progressive Insurance Company, Geico car insurance, USAA car insurance, and Direct Auto Insurance Company, along with regional carriers that often beat the big guys on price. We’re not loyal to any one company—we’re loyal to finding you the right fit.
You also get someone local who understands what El Mirage drivers and homeowners are up against. Arizona has some of the highest uninsured motorist rates in the country—around 12% of drivers have no coverage at all. That means you need uninsured motorist protection, and most people don’t carry enough. We make sure that gap is covered.
On the home insurance side, El Mirage sits in an area where monsoon storms, dust storms, and rising wildfire risk are real threats. Insurance companies have pulled out of Arizona or stopped writing new policies in certain zones. If you’re shopping for cheap car insurance or affordable home coverage, you need someone who knows which carriers are still writing here and which ones actually pay claims without a fight. We’ve placed thousands of policies across the Valley, and we know who’s reliable and who’s not.
When you buy directly from Progressive, Geico, or USAA, you’re only seeing that one company’s rates and coverage options. If they raise your rate or drop you after a claim, you’re back to square one—calling around, re-entering your information, and hoping the next company treats you better.
When you work with an independent agency like ours, you’re working with someone who represents 40+ insurance companies. We can quote you with Progressive, Geico, AAA Insurance, Direct Auto, USAA, and dozens of others all at once. If your rate goes up, we re-shop it. If one carrier doesn’t want your business, we move you to another one. You make one call, and we do the rest.
The other big difference is ongoing support. If you file a claim, we’re the ones helping you through it—not a 1-800 number that puts you on hold for an hour. You’re not just a policy number here. You’re a client, and we’re incentivized to keep you happy for the long haul.
It depends on your situation, but we regularly see savings between $400 and $1,200 a year when someone switches from a single carrier to a policy we’ve shopped across multiple companies. The gap is usually widest for people who’ve been with the same insurance company for years and haven’t re-shopped their rate.
Arizona insurance rates have jumped nearly 48% over the last three years—double the national average. If you haven’t compared rates recently, there’s a good chance you’re overpaying. And because we represent so many carriers, we can often find you better coverage for less money, or the same coverage with a company that’s more stable.
The savings aren’t just about price, either. A lot of people are underinsured without realizing it. If you’re carrying state minimum liability and you cause a serious accident in El Mirage, you could be personally liable for tens of thousands of dollars. We make sure your limits actually protect you, not just check a legal box.
Arizona’s car insurance rates have spiked because of a few factors that all hit at once. The state’s population has grown fast, which means more cars on the road and more accidents. Inflation has driven up the cost of car repairs and medical bills, so when someone files a claim, it costs the insurance company more to settle it. That gets passed on to you.
Arizona also has one of the highest rates of uninsured drivers in the country—about 12% of people on the road have no insurance at all. When an uninsured driver hits you, your insurance has to cover it, and that risk drives up premiums across the board.
The good news is that rates vary wildly between insurance companies. Geico might quote you $250 a month while another carrier quotes $140 for the same coverage. That’s why shopping around matters, and it’s why working with an independent agent saves people money. We’re not guessing—we’re running your profile through 40+ companies to find the one that prices your risk the lowest.
It happens more than it should, especially in Arizona right now. Some insurance companies have tightened their underwriting rules or stopped writing new policies altogether. If you file a claim—even a legitimate one—you might get a non-renewal notice a few months later.
If that happens and you’re working with us, we immediately start shopping your coverage with other carriers. You won’t be left scrambling or forced into a high-risk pool. We represent enough companies that we can usually place you with a solid carrier quickly, often at a comparable rate.
If you bought your policy directly from one insurance company and they drop you, you’re on your own. You’ll have to start the process over, and the next company will see that you were non-renewed, which can make you look like a higher risk. That’s one of the biggest reasons people switch to an independent agent—you’re insulated from that chaos because we handle the transition for you.
State minimum liability in Arizona is $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. That might sound like a lot, but it’s not. If you cause an accident that seriously injures someone or totals a new truck, you’ll blow through those limits in a hurry—and you’ll be personally responsible for the rest.
Medical bills from a serious car accident can easily hit six figures. If you’re found at fault and your insurance maxes out at $25,000, the injured party can come after your savings, your home, and your wages. It’s not worth the risk, especially when increasing your liability limits to $100,000/$300,000 usually only costs an extra $10 or $20 a month.
We also recommend uninsured motorist coverage, because 12% of Arizona drivers have no insurance. If one of them hits you, your uninsured motorist policy is what covers your medical bills and lost wages. A lot of people skip it to save money, and they regret it the moment they need it. We make sure you’re covered the right way, not just the cheapest way.
Yes, but only if you’re comparing the right companies. “Cheap car insurance” usually means state minimum coverage with a bare-bones policy, and that leaves you exposed. What you really want is affordable coverage that actually protects you—and that’s what we help people find.
Because we work with 40+ insurance companies, we can show you where the best value is. Sometimes that’s Geico or Progressive. Sometimes it’s a regional carrier you’ve never heard of. Sometimes it’s USAA if you’re military or a family member qualifies. The point is, we’re not guessing—we’re running real quotes and showing you the options.
The other thing that affects your rate is how your policy is structured. Increasing your deductible, bundling your auto and home insurance, or adjusting your coverage limits can all lower your premium without leaving you underinsured. We walk through that with you so you understand exactly what you’re paying for and where you can cut costs without cutting corners.
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