Hear from Our Customers
You’re not looking for another sales pitch. You’re trying to figure out if your current rate is fair, if you’re actually covered when something goes wrong, and whether switching is worth the hassle.
Here’s what changes when you work with an independent agency. You get access to over 40 insurance companies—Progressive insurance, Geico car insurance, USAA insurance, AAA insurance, direct auto insurance carriers, and specialty providers most people never hear about. That means real comparison shopping, not just one company’s best offer.
You also get someone local who picks up the phone. No offshore call center. No automated system that makes you repeat your policy number three times. Just a real conversation with someone who knows Arizona’s insurance market and what’s been happening with rates in Tempe.
And if you decide to switch, we handle the cancellation of your old policy. You don’t have to call your old carrier, navigate their retention department, or worry about timing. We take care of it.
We’re a family-owned independent insurance agency based right here in the East Valley. We’ve been doing this since 2015, and we’ve built our reputation on being the kind of agency that actually answers the phone and remembers your name.
We’re not Progressive. We’re not Geico. We’re not USAA or AAA or any single insurance company. We represent over 100 carriers, which means we work for you—not them. When your rate jumps or your policy gets non-renewed, we’re not trying to keep you locked into one option. We’re finding you a better one.
Tempe residents deal with the same insurance headaches everyone across Arizona faces right now. Home insurance rates in Arizona jumped 11.4% in 2024 alone. Auto insurance premiums are up over 20% compared to last year. If your rate spiked recently, it’s not just you—it’s the market. But that doesn’t mean you’re stuck with it.
First, we talk. You tell us what you’re currently paying, what coverage you have, and what’s frustrating you about your current situation. This usually takes about 10 minutes, and it’s not a sales call—it’s a fact-finding conversation.
Then we shop your profile across our carrier network. That includes the big names like Progressive insurance, Geico, USAA, and AAA, but also regional carriers and specialty companies that might offer better rates or coverage for your specific situation. We’re looking at cheap car insurance options if price is your priority, but we’re also checking coverage quality so you’re not underinsured.
Once we have quotes, we walk you through them. Not all policies are built the same, even if the price looks similar. We explain what you’re actually getting, where the gaps might be, and what makes sense for your situation. You make the call. If you want to move forward, we handle the paperwork and the cancellation of your old policy. If you don’t, that’s fine too—no pressure, no hard feelings.
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You get access to over 40 top-rated auto insurance carriers and dozens of home insurance options. That includes direct auto insurance companies, national brands like Progressive insurance company and Geico car insurance, membership-based carriers like USAA car insurance and AAA insurance, and regional providers that specialize in Arizona risks.
We also represent carriers that handle specialty coverage—high-value homes, custom cars, rental properties, flood insurance, and umbrella policies. If you’ve been told you’re “hard to insure” because of your claims history or your location, we’ve probably placed someone in a similar situation.
Tempe sits right in the middle of one of the fastest-growing metro areas in the country, and that growth has changed the insurance landscape. Wildfire risk is creeping closer to developed areas. Monsoon season brings flash flooding and wind damage. Auto body repair costs in Arizona have gone up significantly, which is one reason your car insurance premium might’ve jumped even if you haven’t filed a claim.
We know which carriers are tightening up in certain ZIP codes and which ones are still competitive. We know which companies have good claims service and which ones drag their feet. That’s the advantage of working with someone local who does this every day.
Arizona home insurance rates have increased over 62% in the last five years—the highest jump in the country. Auto insurance premiums are up more than 20% compared to last year. There are a few reasons for this.
First, claims costs are up. Auto body repairs are more expensive because of supply chain issues and labor shortages. Home repairs cost more for the same reasons. When it costs more to fix things, insurance companies pay out more, and they pass that cost on to you.
Second, Arizona’s growth has increased risk exposure. More homes are being built in wildfire-prone areas. More drivers on the road means more accidents. Insurance companies are adjusting their rates to match the risk, and in some cases, they’re pulling out of certain areas entirely.
Third, reinsurance costs—what insurance companies pay to protect themselves—have gone up nationwide. Arizona got hit harder than most states because of the combination of growth, climate risk, and claims frequency. It’s not just one company raising rates. It’s the whole market.
When you go directly to Progressive insurance or Geico car insurance, you’re getting one quote from one company. If their rate is high or their underwriting doesn’t like something about your profile, you’re stuck. You’d have to start over with another company and go through the whole process again.
When you work with an independent agent, you’re getting quotes from multiple companies at once. We represent Progressive, Geico, USAA, AAA, direct auto insurance carriers, and 40+ others. That means we can compare coverage and pricing across the market without you having to fill out the same information over and over.
The other big difference is what happens after you buy the policy. If you call Geico or Progressive directly and your rate goes up at renewal, they’re not going to shop you to their competitors. They’ll try to keep you, maybe offer a small discount, but that’s it. When you work with us, we can re-shop your policy every year and move you to a better option if one exists. We’re not tied to one company’s pricing or underwriting changes.
The only way to know for sure is to compare quotes from multiple insurance companies at the same coverage level. Cheap car insurance isn’t always the best deal if it leaves you underinsured, but overpaying for coverage you don’t need isn’t smart either.
We run your profile through our quoting system, which pulls rates from over 40 carriers. That includes companies known for competitive pricing—like direct auto insurance providers and regional carriers—as well as the big names. We’re looking at the same coverage limits across all quotes so you’re comparing apples to apples.
One thing to watch for: some companies advertise low rates to get you in the door, then raise your premium significantly at renewal. We’ve seen this happen with several carriers over the last few years. They’ll offer a great first-year rate, then hit you with a 30% or 40% increase when your policy renews. We track that kind of thing and let you know which companies have stable pricing and which ones don’t.
USAA insurance eligibility is limited to active military, veterans, and their immediate family members. If you or your spouse served, or if your parents were USAA members and added you to their policy at some point, you likely qualify. If not, you won’t be able to get a quote from them.
That said, USAA isn’t always the cheapest or best option, even if you do qualify. Their rates have gone up just like everyone else’s, and depending on your profile and location, other carriers might offer better pricing or coverage. We represent several companies that consistently beat USAA’s rates for Arizona drivers, especially if you have a clean record.
If you’re eligible for USAA car insurance and want to include them in your comparison, we can walk you through how their quote stacks up against the other options. If you’re not eligible, we’ll find you something just as good—or better.
If you decide to switch, we handle the cancellation of your old policy for you. You don’t have to call your current carrier or deal with their retention department trying to talk you out of leaving. We submit the cancellation request, confirm the effective date, and make sure there’s no gap in coverage.
Most people worry about timing, and that’s valid. You don’t want to cancel too early and lose coverage, but you also don’t want to pay for two policies at once. We coordinate the start date of your new policy with the cancellation of your old one so everything lines up cleanly.
You’ll usually get a refund for any unused premium from your old carrier. If you paid your annual premium upfront and you’re canceling halfway through the term, they’ll send you a check for the unused portion. Some companies process refunds faster than others, but it typically takes two to four weeks. We can’t speed that up, but we can tell you what to expect based on which company you’re leaving.
No. Our service costs you nothing. We get paid by the insurance companies when you buy a policy, so there’s no fee to you for getting quotes or working with us. You pay the same price you’d pay if you went directly to Progressive insurance company, Geico, AAA insurance, or any other carrier—sometimes less, because we know which companies are running discounts or promotions.
Even if you get quotes and decide not to switch, there’s no charge. We’re not here to pressure you into buying something that doesn’t make sense. If your current rate is competitive and your coverage is solid, we’ll tell you that.
The value of working with an independent agency isn’t just the quoting process—it’s the ongoing support. When your rate goes up at renewal, when you buy a new car, when you move, when you have a claim, you’ve got someone local to call who already knows your situation. That’s worth a lot more than saving $10 a month by doing everything online with a carrier that doesn’t know your name.
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