Hear from Our Customers
Arizona car insurance rates jumped 22% this year. Home insurance climbed 11.4%. If you’re still with the same carrier you’ve had for a decade, there’s a good chance you’re overpaying—or about to be.
You shouldn’t have to call six different insurance companies to find out who’ll actually cover you at a fair price. That’s what we do. We represent over 40 carriers, including Progressive, GEICO, USAA, AAA, and Direct Auto. One conversation, multiple quotes, real comparison.
Most Sun Lakes residents are retired or close to it. You’ve earned stability, not sticker shock every six months. When your current insurer hikes your rate or drops you after a claim, we find you another option—fast. No offshore call centers. No runaround. Just local agents who pick up the phone and do the work.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping people across the state since 2015, and we’ve built our reputation on being available when it matters. Over 930 five-star Google reviews. Agents of the Year in 2023. Three Best Rated in Mesa.
We’re not a call center. We’re not a website that disappears after you buy. We’re local people you can reach when your rate spikes, your policy gets canceled, or your coverage doesn’t make sense anymore. Sun Lakes has one of the oldest populations in Arizona—median age over 73—and we get it. You want someone who answers, explains things clearly, and doesn’t waste your time.
We don’t work for one insurance company. We work for you. That means we can shop your policy across dozens of carriers and tell you the truth about what’s worth it and what’s not.
You call or fill out a quick form. We ask a few questions about your current coverage, your vehicles, your home, and what you’ve been paying. Takes about 10 minutes.
Then we go to work. We pull quotes from our network of 40+ insurance companies—Progressive insurance, GEICO car insurance, USAA insurance, AAA insurance, Direct Auto insurance, and many others. We compare what you’re getting now versus what’s available. If there’s a better rate or better coverage, we show you. If your current policy is solid, we’ll tell you that too.
Once you decide, we handle the paperwork. We’ll even cancel your old policy for free if you want us to. No hidden fees. No cost for our service. You just get access to more options and someone local who’s on your side when things change.
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We write policies for everything: car insurance, home insurance, renters, life insurance, business coverage, and specialty policies like RVs and motorcycles. If you’re looking for cheap car insurance that actually covers what you need, we’ll find it. If your home insurance tripled because of Arizona’s wildfire risk, we’ll shop that too.
Sun Lakes sits in Maricopa County, where insurance companies have been tightening underwriting and raising rates across the board. State Farm and Nationwide have both pulled back. That’s left a lot of long-term customers scrambling. The good news? There are still carriers writing policies here—you just need access to them.
We represent over 100 insurance companies statewide. That gives you options when the big-name carriers say no or quote you something ridiculous. And because we’re independent, we’re not tied to one company’s rates or rules. We can move your policy if your current insurer isn’t treating you right.
Arizona car insurance rates are expected to jump another 22% this year. Over the past six years, rates have surged 70% statewide. Insurers are citing higher repair costs, more severe accidents, and increased claims frequency.
If you’ve been with the same carrier for years and suddenly saw a 50% or 100% increase, you’re not alone. It’s happening across the state. The problem is that most people don’t know they can shop around without penalty. You’re not locked in.
That’s where an independent agent helps. We can pull quotes from GEICO, Progressive, USAA, AAA, Direct Auto, and 35+ other carriers in one shot. Sometimes the difference is $1,000 a year or more. You just need someone willing to do the work.
A captive agent works for one insurance company. If you call a State Farm agent, they can only sell you State Farm. If you call Allstate, same thing. That’s fine if that company has the best rate—but you’ll never know unless you check.
An independent agent works for you. We represent 40+ insurance companies, so we can compare coverage and pricing across all of them. If Progressive has the best rate for your car and USAA has the best rate for your home, we can write both. If your current carrier drops you, we have options the next day.
You’re not paying extra for this. Independent agents get paid by the insurance company, not by you. So there’s no cost to use our service, and you get access to way more choices than you’d find on your own.
Yes. This is one of the most common reasons people call us. You file one claim after 15 years of loyalty, and suddenly you’re non-renewed. It’s frustrating, but it’s also fixable.
Arizona insurers have been tightening their underwriting. They’re dropping customers in high-risk zip codes, customers with claims history, and even customers who haven’t filed anything but live in areas with wildfire exposure. It’s not personal—it’s their risk model. But it leaves you scrambling.
We work with carriers that still write policies for people in your situation. Some specialize in non-standard risk. Others are just more flexible. We’ll pull quotes, explain your options, and get you covered before your current policy expires. And if your rate is higher than it was before, we’ll keep shopping every six months to bring it back down.
If you haven’t shopped your home insurance in three years, there’s a good chance you’re overpaying. Arizona home insurance rates jumped 11.4% in 2024 alone—the fourth-biggest increase in the country. Insurers are raising rates on renewals without telling you there are cheaper options elsewhere.
The easiest way to find out is to get a comparison quote. We’ll look at what you’re paying now, what coverage you have, and what other carriers are offering for the same protection. Sometimes you’re paying for coverage you don’t need. Other times, you’re underinsured and don’t know it.
Sun Lakes is a retirement community with homes that have been here for decades. Replacement costs have gone up. If your coverage limits haven’t, you could be in trouble after a loss. We’ll walk through your policy and make sure it actually matches your home’s value and your risk.
Cheap car insurance usually means minimum liability limits—and that’s not enough if you cause a serious accident. Arizona requires 25/50/15 coverage, but that won’t cover much if you hit a new truck or injure someone. You could be on the hook for the rest.
What we do is find you the lowest rate for the coverage you actually need. That might be GEICO, Progressive, Direct Auto, or someone else. It depends on your driving record, your vehicle, and your zip code. We compare all of them so you’re not guessing.
We also look for discounts you might be missing—bundling home and auto, safe driver discounts, pay-in-full discounts. A lot of people assume they’re getting the best rate because they’ve been with the same company forever. But loyalty doesn’t always pay off in insurance. Sometimes switching saves you $800 a year for the same coverage.
You can switch anytime. You’re not locked into your current policy. If you find a better rate or better coverage, you can cancel your old policy and start a new one the same day. Most people don’t know this.
If you prepaid your premium, your old insurer will refund the unused portion. If you’re on a payment plan, you just stop paying once the new policy starts. There’s no penalty for switching, and we’ll handle the cancellation for you if you want.
The only time you want to be careful is if you’re mid-claim. Switching carriers while a claim is open can complicate things. But if your policy is clean and your rate just went up, there’s no reason to wait until renewal. We can shop it today and have you switched by next week.
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