Hear from Our Customers
You’ve been with the same company for years. Then your renewal notice shows up and your premium jumped $1,200. Or worse, they dropped you entirely after one claim.
That’s not loyalty. That’s being stuck.
When you work with an independent agency in Queen Creek, you’re not locked into one insurance company’s rates or underwriting rules. You get access to over 40 carriers, including Progressive Insurance, GEICO car insurance, USAA insurance, AAA insurance, and Direct Auto Insurance. We shop them all at once so you can see what you’re actually paying for and what you’re getting in return.
Arizona homeowners saw a 62% rate increase over five years. Auto insurance isn’t far behind. The companies you’ve heard of on TV aren’t always the ones offering the best price or coverage for your situation. Sometimes it’s a regional carrier you’ve never seen an ad for. Sometimes it’s USAA if you qualify. Sometimes it’s Progressive. You won’t know until someone actually looks.
That’s what we do. We compare insurance companies so you don’t have to call six different places and repeat your information over and over.
Premier Choice Insurance is a family-owned independent agency based in Mesa, serving Queen Creek and the entire East Valley. We’ve been doing this for years, and we’re not going anywhere.
You call, we answer. You need to adjust your policy, we handle it. You have a question about your deductible or whether your roof damage is covered, you talk to the same people every time.
We represent over 40 top-rated insurance carriers and we’ve earned 930+ five-star Google reviews because we do what we say we’re going to do. No surprises. No bait-and-switch. Just straight answers about what your options are and what they cost.
You reach out by phone, email, or through the website. We ask you about what you’re currently paying, what coverage you have, and what you’re trying to accomplish. Lower price, better coverage, both—whatever matters to you.
Then we run your information through our carrier network. That includes the big names like Progressive Insurance Company, GEICO, USAA, AAA, and Direct Auto, plus regional carriers that often beat them on price or coverage. We’re looking at your driving record, your home’s age and location, your claims history, and how each company underwrites those factors.
Within a day or two, you get real quotes with real numbers. We walk you through what each one covers, where the differences are, and what we’d recommend based on your situation. If you decide to switch, we handle the paperwork and cancel your old policy for free. You don’t pay us anything extra—you pay the same premium you’d pay going direct to the insurance company, but you get our service and access to dozens of options instead of just one.
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We write auto insurance, homeowners insurance, business insurance, and life insurance. If you need cheap car insurance that still covers what it’s supposed to, we’ll find it. If you need higher liability limits because you own property or run a business in Queen Creek, we’ll build that too.
Queen Creek has seen explosive growth over the past decade. New homes, new businesses, more traffic on Ellsworth and Rittenhouse. That growth means insurance companies are constantly adjusting how they price policies here. Some love new construction. Others won’t touch certain ZIP codes because of wildfire risk on the east side near San Tan Mountains.
We know which carriers are writing new business in Queen Creek right now and which ones are pulling back. We know who’s competitive on new builds versus older homes. We know who offers better rates for good drivers versus drivers with a ticket or accident in the last three years.
You’re not going to get that insight from a 1-800 number. You get it from an independent agent who works this market every day and knows what’s actually available to you in Queen Creek, AZ.
Arizona homeowners are dealing with the highest rate increases in the country—up over 62% in the last five years. A lot of that comes from wildfire risk, especially in areas near open desert or mountain ranges. Insurance companies are either raising premiums dramatically or pulling out of Arizona altogether.
Auto insurance is climbing too. More drivers on the road, higher repair costs, and more expensive medical claims all push rates up. Add in inflation, and you’re looking at 10% to 30% annual increases depending on your carrier and your claims history.
The good news is that not every insurance company is raising rates at the same pace. Some are staying competitive to gain market share. That’s why shopping around matters more now than it did five years ago. Loyalty doesn’t pay anymore.
When you go direct to one insurance company, you get one quote based on how that company views your risk. If they don’t like something about your profile—your credit, your address, your claims history—you’re stuck with a high rate or a denial.
When you work with us, we run your information through 40+ insurance companies at once, including Progressive Insurance, GEICO car insurance, USAA insurance, AAA insurance, and Direct Auto Insurance Company. You see how each one prices your situation, and you pick the one that makes sense.
You’re not paying us a fee. The commission is the same whether you buy from us or direct from the carrier. But you get access to options you wouldn’t have found on your own, and you get a local agent who can adjust your policy or help with claims down the road. That’s the difference.
Cheap car insurance isn’t bad if it covers what you actually need. The problem is when you cut coverage to save money and then find out you’re underinsured after an accident.
Arizona requires 25/50/15 liability limits. That’s $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage. That’s not much if you cause a serious accident. If someone’s medical bills hit $100,000 and you only have $50,000 in coverage, you’re personally liable for the rest.
We help you figure out what limits make sense based on what you own and what you could lose in a lawsuit. Sometimes that means higher liability limits. Sometimes it means adding uninsured motorist coverage because a lot of drivers in Arizona don’t carry insurance at all. Cheap is fine as long as it’s not reckless. We make sure you understand the difference before you buy.
Yes. You can switch insurance companies anytime, even if you’re halfway through your current policy term. Most carriers will refund the unused portion of your premium, minus any cancellation fees if they charge them.
We handle the cancellation for you at no cost. You don’t have to call your old company or deal with the back-and-forth. We submit the cancellation request, make sure your new policy starts on the right date so there’s no gap in coverage, and confirm that your old policy is officially canceled.
The biggest reason people switch mid-policy is a rate increase at renewal or a bad claims experience. If that’s you, don’t wait. Start shopping now. You might save enough on the new policy to cover any cancellation fee and still come out ahead.
We work with USAA insurance if you’re eligible. USAA only insures military members, veterans, and their families, so not everyone qualifies. If you do, we can quote USAA car insurance and homeowners insurance alongside our other carriers to see how they compare.
We also work with carriers that don’t sell directly to consumers or don’t advertise much. Some of the best rates come from regional insurance companies that only work through independent agents. You won’t find them on TV or online, but they’re often more competitive than the big national brands, especially if you have a unique situation like a new home in Queen Creek or a small business.
That’s the advantage of working with an independent agency. You get access to insurance companies you didn’t even know existed, and we do the work of comparing them so you don’t have to.
First, don’t panic. Non-renewals are happening more often in Arizona, especially in areas with wildfire exposure or older homes with roofs that need replacement. It’s frustrating, but it doesn’t mean you’re uninsurable.
Start shopping immediately. You typically get 30 to 60 days’ notice before your policy cancels. That’s enough time to find a new carrier, but not enough to wait around. Some insurance companies have stopped writing new homeowners policies in certain ZIP codes, so your options might be more limited than they were a few years ago.
We’ll shop your home through our full network of carriers to find one that will cover you. Sometimes that means a higher premium or a higher deductible. Sometimes it means making improvements to your home, like updating your roof or electrical system, to qualify for better rates. We’ll walk you through what’s available and what it takes to get covered again. You’re not stuck. You just need someone who knows where to look.
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