Hear from Our Customers
Most people don’t realize they’re locked into one insurance company’s pricing until it’s too late. Your rate jumps 50%, or you file a claim and suddenly you’re non-renewed. That’s what happens when you’re dealing directly with a single carrier.
Here’s what changes when you work with an independent agency. You get access to over 40 insurance companies at once—Progressive, GEICO, USAA, AAA, and dozens more you’ve never heard of but should know about. We run your information through multiple carriers and show you the actual differences in price and coverage.
You’re not calling around to five different companies and repeating your information. You’re not wondering if you missed a better deal. You get the comparison up front, and you decide what makes sense. If your rate goes up next year, we re-shop it. If your situation changes, we adjust your coverage without starting from scratch.
Premier Choice Insurance is a family-owned independent agency serving Surprise and the entire Phoenix metro. We’ve been doing this long enough to know what Arizona drivers and homeowners are dealing with right now—and it’s not pretty.
Surprise residents are seeing auto insurance rates climb toward $2,200 this year. Homeowners across Arizona are getting hit with 50% to 100% increases, and some are being dropped entirely after filing legitimate claims. We’re not here to sugarcoat it. The market is rough.
What we do is give you leverage. We represent over 40 carriers, so when one company decides to jack up your rate or tighten underwriting, we move you to another one. You don’t start over. You don’t lose coverage. We handle the switch, cancel the old policy, and keep your insurance uninterrupted.
You reach out—phone, email, or through the website. We ask about your current coverage, what you’re paying, and whether you’ve had any claims or tickets recently. This takes about 10 minutes, and you only do it once.
We run your profile through our carrier network. That includes the big names like Progressive Insurance, GEICO car insurance, USAA insurance, and Direct Auto Insurance, plus regional carriers that often beat the national averages. We’re looking at price, coverage limits, deductibles, and any discounts you qualify for.
You get a breakdown of your options. We walk you through what each policy covers, where the gaps are, and what the real cost difference is when you factor in deductibles and coverage quality. If you want to bundle home and auto, we show you those savings too.
You pick the one that makes sense. We handle the paperwork, process the new policy, and cancel your old one if needed. If anything changes down the road—you buy a new car, move, or your rate jumps at renewal—you call us and we re-shop it. You’re not stuck.
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Auto insurance in Surprise runs cheaper than Phoenix or Scottsdale because there are fewer accidents and less congestion. That’s good news if you know where to look. State Farm, Progressive, and a handful of regional carriers consistently offer the lowest rates here, but it depends on your driving record and how much coverage you need.
If you’re hunting for cheap car insurance, you’ll find it. But cheap doesn’t mean smart. A bare-bones policy saves you money until you cause an accident and you’re on the hook for the difference. We show you what minimum coverage actually covers—and what it doesn’t—so you’re not blindsided later.
Homeowners insurance is a different animal right now. Arizona has seen a 70% rate increase over the last six years, and Surprise isn’t immune. Some carriers won’t write new policies. Others are dropping customers in high-risk wildfire zones. If you’re getting non-renewed or you’re staring at a renewal notice that’s double last year’s premium, you need to re-shop immediately.
We compare home and auto coverage side by side. You’ll see where bundling saves you money, where you’re over-insured, and where you’re exposed. If you’ve been with the same company for 15 years and never shopped around, you’re almost certainly overpaying or under-covered. Both are fixable.
GEICO and Progressive only sell their own policies. If their rate isn’t competitive or their underwriting doesn’t like something in your profile, you’re out of luck. You have to start over with another company and hope for better results.
An independent agency represents 40+ insurance companies. We run your information once and compare rates from GEICO, Progressive, USAA, AAA, Direct Auto, and three dozen others you won’t find on TV. You see the best option across the entire market, not just one company’s answer.
The other advantage is what happens after you buy. If your rate spikes at renewal or you need to file a claim, you’re working with us—not a 1-800 number. We re-shop your policy, negotiate on your behalf, and move you to a better carrier if needed. You don’t start from scratch every time something changes.
Nothing. You don’t pay us a fee. We’re compensated by the insurance companies we represent, so our service costs you the same as buying direct—except you get access to 40+ carriers instead of one.
We quote your coverage, compare your options, and handle all the paperwork at no charge. If you decide to switch carriers down the road, we manage that too. If you need to cancel an old policy, we take care of it. None of that costs you anything extra.
The price you see is the price you pay to the insurance company. We don’t mark it up. We don’t add fees. You’re getting the same rate you’d get if you called that carrier directly, but you’re also getting our advice and ongoing support.
Most of the time, yes—especially if you haven’t shopped your insurance in the last few years. Insurance companies raise rates regularly, and they’re betting you won’t notice or won’t bother switching. If you’ve been with the same carrier for five or ten years, there’s a good chance you’re overpaying.
We can’t guarantee savings in every situation. If you just shopped around last month and you’re already with the cheapest carrier for your profile, we’ll tell you. But if you’re with a company that’s raised your rate 30% or 50% in the last year, we’ll almost always find you a better option.
The biggest savings come from comparing coverage apples-to-apples. A lot of people think they’re getting a deal because the premium is low, but they’re actually under-insured. We show you what you’re covered for and what you’re not, so you can make a real comparison.
You file the claim directly with your insurance company, but we’re here to help you through the process. Claims can be confusing, especially if you’ve never filed one before. We explain what’s covered, what your deductible means, and what to expect from the adjuster.
If there’s a dispute or the claim isn’t going smoothly, we step in. We know how the carriers handle claims, and we know what documentation they need. We can’t force them to pay a claim that’s not covered, but we can make sure you’re not getting the runaround on something that should be straightforward.
The advantage of working with an independent agent is that we’re not employed by the insurance company. We represent you. If your carrier treats you poorly or denies a valid claim, we’ll move your business elsewhere. That gives you leverage you don’t have when you’re just a policyholder calling a 1-800 number.
We cover all of Surprise and the entire state of Arizona. Whether you’re in the older neighborhoods near Sun City West or the newer developments off Grand Avenue, we write policies throughout the area.
Surprise is part of the greater Phoenix metro, so we’re also quoting coverage in Peoria, Glendale, Goodyear, Buckeye, and everywhere in between. If you live in Arizona, we can help you. Our office is in Mesa, but we work with clients statewide.
Some insurance companies have geographic restrictions or won’t write policies in certain ZIP codes due to wildfire risk or claims history. That’s another reason to work with an independent agency. If one carrier won’t cover your area, we have 40 others to choose from.
You can get a quote the same day, usually within a few hours. We need some basic information—your current coverage, your vehicles or home details, and your claims history. Once we have that, we run it through our carrier network and send you the options.
Switching insurance companies takes about a week if you’re starting a new policy from scratch. If you’re just moving from one carrier to another and your current policy is already active, we can make the switch faster. We handle the cancellation of your old policy and make sure there’s no gap in coverage.
If you’re in a hurry—maybe your current company just non-renewed you or you need proof of insurance for a closing—we can expedite it. Most carriers can bind coverage immediately once you approve the quote. You’ll have your new insurance cards and policy documents the same day.
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