Hear from Our Customers
You’ve been with the same company for years. Then your rate jumps after one claim, or you get a renewal notice that makes no sense. You call, and the person on the other end reads from a script. They can’t do anything. You’re stuck.
That’s what happens when you’re locked into one insurance company. They know switching is a hassle, so they bank on you staying put.
When you work with an independent agent in Gilbert, AZ, you’re not tied to one carrier. You get access to Progressive insurance, GEICO car insurance, USAA insurance, AAA insurance, and dozens more. All in one conversation. We compare them, explain the differences, and show you what actually fits your situation. If your rate goes up next year, we shop it again. You’re never stuck.
Premier Choice Insurance is a family-owned independent agency based in Mesa, serving Gilbert and the entire East Valley. We’ve been doing this long enough to know what matters: real conversations, honest answers, and someone who picks up the phone when you need help.
We’re not a call center. We’re not offshore. We’re local, licensed, and we represent over 40 top-rated insurance carriers. That means we work for you, not them.
Gilbert homeowners deal with monsoon damage, rising property values, and rate increases that don’t match the market. We see it every day. Our job is to find you better coverage at a better price, whether that’s with a big name like Progressive or USAA, or a regional carrier you’ve never heard of but should consider.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s frustrating you about your current insurance company. We ask a few questions to understand your situation—home value, vehicles, claims history, anything that affects your rate.
Then we shop. We run your information through our network of carriers—Progressive insurance, GEICO, USAA, AAA, Direct Auto, and more. We’re looking for the best combination of price and coverage. Not just the cheapest car insurance, but the right fit.
After that, we explain what we found. We’ll show you the options, break down the differences, and tell you what we’d recommend. No pressure, no runaround. If you want to move forward, we handle the paperwork and can even cancel your old policy for you.
Once you’re set up, we stay in touch. When it’s time to renew, we check the market again. If your life changes—new car, home renovation, teen driver—we adjust your coverage. You’re not on your own.
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When you work with us, you’re tapping into a network of over 40 insurance companies. That includes the ones you know—Progressive insurance company, GEICO car insurance, USAA car insurance, AAA insurance—and plenty you don’t. Some of the best rates come from regional carriers that don’t spend millions on TV ads.
Gilbert has seen significant growth over the past decade, and with that comes higher home values and increased insurance costs. Many national carriers have raised rates across the board in Arizona. But not all of them. Some are still competitive. Some are offering discounts for bundling home and auto. Some have better claims processes. You won’t know unless someone actually compares them.
We also handle commercial coverage for Gilbert business owners. Whether you run a small office, a retail shop, or a contracting company, we can find liability, property, and workers’ comp coverage that makes sense. Same process: we shop, you compare, we handle the details.
You’re not paying us extra for this service. We get paid by the carriers, so there’s no agency fee. You get more options, better service, and someone local who knows Gilbert—all at no additional cost.
When you call Progressive insurance or GEICO directly, you get one quote from one company. If their rate is high, you have to start over with someone else. That’s fine if you have the time and patience to call five or six different carriers, but most people don’t.
An independent agent does that work for you. We represent dozens of insurance companies, so one conversation gets you multiple quotes. We compare coverage, explain the differences, and show you what’s actually the best deal. If you go direct, you’re also locked in with that company. If they raise your rate next year, you’re back to square one. With us, we re-shop your policy every year and make sure you’re still getting a fair price.
You also get a real person who answers the phone. If you need to file a claim, add a vehicle, or update your policy, you call us. Not a 1-800 number. Not a chatbot. A local agent in Gilbert who knows your name and your coverage.
We can’t promise you’ll always pay less, but we can promise you’ll know if there’s a better option out there. A lot of people overpay because they haven’t shopped their rate in years. Insurance companies count on that. They raise your premium little by little, and you don’t notice until it’s $50 or $100 more per month than it should be.
We compare your current rate against what’s available from carriers like GEICO car insurance, USAA car insurance, Direct Auto insurance, and others. Sometimes we find you cheaper car insurance with the same coverage. Sometimes we find better coverage for about the same price. Sometimes your current rate is actually competitive, and we tell you that too.
The biggest savings usually come from bundling home and auto, or switching from a big-name carrier to a regional one that’s more competitive in Arizona. Either way, you’ll know where you stand after one conversation.
Every insurance company prices risk differently. GEICO might give you a great rate on car insurance but charge more for home. Progressive insurance might be cheaper if you bundle. USAA insurance offers excellent coverage but you need to be military or family of military to qualify. AAA insurance includes perks like roadside assistance and travel discounts.
Then there are regional carriers that don’t advertise nationally but offer competitive rates in Arizona. Some specialize in high-risk drivers. Some focus on homeowners in specific areas. Some have better claims service than the big names. It all depends on your situation.
That’s why it’s worth shopping through an independent agent. We know which insurance companies are competitive for your profile. We know who’s raising rates in Gilbert and who’s trying to grow their book of business. We save you the time of figuring that out on your own.
Switching is faster than most people think. Once you decide on a new policy, we can usually have you set up within a day or two. We handle the paperwork, coordinate the start date, and make sure there’s no gap in coverage.
If you want, we’ll even cancel your old policy for you. You don’t have to call your current insurance company and deal with retention offers or cancellation fees. We take care of it. Most carriers allow you to cancel anytime, and if you’ve prepaid, you’ll get a refund for the unused portion.
The actual quoting process takes about 15 to 20 minutes. We ask some questions, run your information through our system, and show you what’s available. If you’re comparing multiple options, we’ll send you a breakdown so you can review it on your own time. No pressure to decide on the spot.
Bundling usually saves you money, but not always. Some insurance companies offer big discounts when you combine home and auto. Others don’t discount much at all. We run it both ways to see what makes sense.
Sometimes you’ll get a better deal keeping them separate. Maybe GEICO has the best rate on your car insurance, but a different carrier is cheaper for your home. We’ll show you the numbers and let you decide. If bundling saves you $500 a year, that’s worth it. If it only saves you $50 and you prefer to keep them separate, that’s fine too.
The bigger factor is making sure your coverage is right. A lot of people underinsure their home to save money, then get hit with a claim and realize they’re not covered for the full rebuild cost. We make sure your limits actually protect you, whether you bundle or not.
You file the claim with your new carrier, and we help you through the process. That’s one of the main reasons to work with a local agent. If something happens—car accident, roof damage, break-in—you call us first. We walk you through what to report, what documentation you need, and who to contact at the insurance company.
We also follow up to make sure the claim is moving forward. If there’s a delay or a dispute, we get involved. We know the adjusters, we know the process, and we know how to push back if something doesn’t seem right. You’re not dealing with the insurance company alone.
Switching carriers doesn’t hurt your ability to file a claim. Your new policy covers you from day one. And if you had a claim with your old insurance company that’s still being processed, that stays with them. Switching doesn’t affect it.
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