Hear from Our Customers
You get access to over 100 insurance carriers through one conversation. That means comparing Progressive insurance, GEICO car insurance, USAA insurance, AAA insurance, and dozens of others without filling out the same form over and over.
You’re not locked into one company’s rates or coverage limitations. When State Farm or Allstate raises your premium by 50% next year, you’re not stuck. We shop your policy again across our entire network.
And when you file a claim, you’ve got someone local who picks up the phone and advocates for you. Not an offshore call center reading a script. Not an automated system that routes you in circles. A real person at our Mesa office who knows your name and your policy.
Premier Choice Insurance is a family-owned independent agency based in Mesa, serving Scottsdale and the entire Phoenix metro. We’ve been helping Arizona residents navigate this market for decades, and we’ve earned over 930 five-star Google reviews by doing one thing consistently: putting you first.
We’re not captive to any single carrier. We don’t get bigger bonuses for selling you State Farm over Progressive or USAA over direct auto insurance. Our job is to find you the best coverage at the best price, period.
Scottsdale homeowners are seeing some of the sharpest insurance increases in the state. The average home insurance policy with State Farm in Scottsdale runs about $1,405 per year, which is actually 22% below the Arizona average. But that number doesn’t tell the whole story. Many residents are getting hit with 50% to 100% annual increases, and some carriers are pulling out of Arizona entirely. You need an agent who can move fast when your carrier bails or your renewal notice shows up with a shocking new premium.
First, you call us or fill out a quick form on our site. We ask about your current coverage, what you’re paying, and what you actually need. This takes about ten minutes, and you’re talking to a licensed agent in Arizona, not someone reading from a script in another country.
Next, we shop your policy across our network of over 100 carriers. That includes the big names you’re already familiar with—Progressive insurance, GEICO, USAA, AAA, direct auto insurance companies—and plenty of regional carriers that often beat the national players on price. We’re looking at your home, auto, umbrella, and any other coverage you need.
Then we show you the options. We’re not pushing you toward the policy that pays us the highest commission. We’re showing you what covers you best and costs you least. If that’s a Progressive insurance policy, great. If it’s USAA car insurance or a regional carrier you’ve never heard of, that works too. You decide. We handle the paperwork, cancel your old policy if you want, and make sure there’s no gap in coverage.
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You’re getting a licensed agent who reviews your coverage every year, not just when you call asking for a quote. Life changes. You buy a new car. You finish a home renovation. Your kid starts driving. We make sure your policy keeps up.
You’re getting access to cheap car insurance options that don’t sacrifice coverage. “Cheap” doesn’t mean bare-bones liability that leaves you exposed. It means we found you a better rate on the same coverage, or we identified coverage you’re paying for but don’t actually need.
You’re getting someone who fights for you when you file a claim. Insurance companies don’t love paying claims. That’s not news. But when you’re working with an independent agent who represents you, not them, you’ve got leverage. We know how to push back on lowball settlements and claim denials.
And you’re getting all of this at no extra cost. Our services don’t cost you a penny more than going direct to a carrier. The insurance companies pay us, so you get expert guidance and ongoing support without paying agency fees.
Scottsdale drivers face some unique challenges. About 12% of Arizona drivers are uninsured, which means your uninsured motorist coverage actually matters here. And with insurance costs climbing across the state, more people are dropping coverage or choosing the cheapest policy they can find. That affects you. We make sure you’re protected against those gaps without overpaying.
Arizona homeowners have seen insurance rates jump 70% over the past six years, the fourth-biggest increase in the country. Auto insurance isn’t far behind. There are a few reasons for this.
Construction costs have skyrocketed, outpacing inflation. When your home gets damaged, it costs more to repair or rebuild than it did five years ago. Insurance companies are adjusting their rates to match those costs. Catastrophic events are also playing a role. The insurance industry dealt with 23 separate billion-dollar disasters in 2023 alone, and Arizona’s wildfire risk keeps growing.
Reinsurance—the insurance that insurance companies buy to protect themselves—has gotten more expensive. When carriers face higher costs to stay in business, they pass those costs to you. Some companies, like State Farm, have stopped writing new policies in Arizona altogether. When carriers leave the market, competition drops and rates go up. That’s why working with an independent agent who can shop 100+ carriers matters more now than it did a few years ago.
It can be, and here’s why. GEICO and Progressive are both in our network, along with about 100 other carriers. When you go direct to GEICO, you’re getting a GEICO quote. When you call Progressive, you’re getting a Progressive quote. When you work with us, you’re getting both of those quotes plus 98 others.
We’re not marking up the price. Insurance premiums are filed with and approved by the state. The rate you get through us is the same rate you’d get going direct. But we’re doing the shopping for you across dozens of companies, and we’re often finding carriers that beat the big-name players on price.
Direct auto insurance companies and big brands spend millions on advertising. That’s baked into their operating costs, which affects pricing. Regional carriers that don’t run Super Bowl ads sometimes offer better rates because their overhead is lower. You’d never find those carriers on your own, but we work with them every day. And if GEICO or USAA does end up being your best option, we can write that policy for you. You’re not losing anything by letting us shop. You’re gaining options.
Non-renewals are becoming more common in Arizona, especially for homeowners who’ve filed claims or live in areas with higher wildfire risk. If your carrier decides not to renew your policy, they’re required to give you notice, usually 30 to 60 days before your renewal date.
That’s where having an independent agent makes a difference. If you’re working with a captive agent who only represents one company, you’re on your own to find new coverage. If you’re working with us, we’re already shopping your policy across our network before your coverage lapses.
Time matters in these situations. Letting your coverage lapse, even for a day, can lead to higher rates down the road because you’ll be flagged as a higher-risk customer. We make sure there’s no gap. We find you a new carrier, get you quoted, and have your new policy in place before the old one expires. And if your cancellation or non-renewal was unfair—maybe the claim that triggered it wasn’t your fault, or the carrier made an error—we know how to appeal and fight back. You’re not navigating that process alone.
Most people don’t know they’re underinsured until they file a claim and realize their policy doesn’t cover what they thought it did. That’s a bad time to find out. Common gaps include insufficient dwelling coverage on your home, low liability limits on your auto policy, and no umbrella policy to protect your assets if you’re sued.
On the flip side, plenty of people are paying for coverage they don’t need. Maybe you’re carrying collision coverage on a 15-year-old car that’s worth $2,000. Maybe you’ve got duplicate coverage between your home and auto policies. Maybe your deductible is so low that you’re paying a huge premium to save $250 on a claim you’d probably never file anyway.
We review your policies line by line and explain what you’re actually covered for. We look at your home’s rebuild cost, your liability exposure, your assets, and your risk tolerance. Then we show you where you’re exposed and where you’re overpaying. If you’re underinsured, we fix it. If you’re overinsured, we cut the fat. The goal is to make sure you’re covered when it counts and not wasting money when it doesn’t.
Yes, and bundling usually saves you money, but not always. Some carriers offer big discounts when you bundle home and auto. Others don’t. We run the numbers both ways to see what actually costs you less.
Sometimes bundling with one carrier saves you 15% to 20%. Sometimes splitting your policies between two different carriers saves you more. It depends on how each company rates your home, your cars, your driving record, and your claims history. We’ve seen cases where keeping your home with one carrier and your auto with another cuts your total premium by 30% compared to bundling.
We also look at umbrella policies, which sit on top of your home and auto coverage and give you an extra layer of liability protection. If you’ve got assets to protect—home equity, retirement accounts, savings—an umbrella policy is cheap insurance that can save you from a lawsuit wiping you out. Most people don’t think about umbrellas until someone mentions it. We bring it up in every conversation because it matters. Bundling isn’t just about saving money. It’s about making sure all your policies work together and you’re not left with gaps between coverages.
Online comparison sites show you a handful of quotes based on the information you plug into their form. They’re pulling from a limited pool of carriers, and the quotes you’re seeing are often estimates, not actual binding offers. You still have to call the insurance company, verify the information, and finalize the policy.
We’re doing the comparison work for you, but we’re pulling from over 100 carriers, not five or six. We’re also reviewing your current policies to make sure we’re quoting apples to apples. Online tools don’t catch coverage gaps. They don’t tell you that your liability limit is too low or that your deductible doesn’t match your savings. They’re just spitting out numbers.
And once you buy a policy through a comparison site, you’re on your own. If your rate goes up next year, you’re back on the site running another search. If you need to file a claim, you’re calling the insurance company’s 1-800 number and hoping for the best. When you work with us, we’re reviewing your policy every year, shopping your coverage when rates jump, and handling your claims when something goes wrong. You’ve got a real person who knows your situation and picks up the phone when you call. That’s the difference.
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