Hear from Our Customers
You’ve been with the same company for years. Then your premium jumps 50% with no explanation, or worse – they drop you after one claim. Sound familiar?
Arizona homeowners saw insurance rates spike 62% in five years. Auto insurance is climbing 22% this year alone. Meanwhile, carriers like Progressive Insurance, Geico, and USAA are tightening underwriting, rejecting high-risk customers, and leaving longtime policyholders scrambling.
Here’s what changes when you work with us. You’re not locked into one company’s rates or appetite. We shop your coverage across dozens of carriers – including Progressive, AAA Insurance, and Direct Auto Insurance – to find you the best combination of price and protection. When one company raises rates, we move you. When another stops writing policies in Wittmann, we’ve already lined up your replacement.
You get the coverage you actually need for Arizona risks – monsoon damage, wildfire exposure, extreme heat – not some cookie-cutter policy designed for a different state. And when life changes, we adjust your coverage without you having to start over with a new agent who doesn’t know your history.
Premier Choice Insurance is a family-owned independent agency serving Wittmann and the entire state of Arizona. We’ve built our reputation on 930+ five-star Google reviews, an Agents of the Year award, and decades of experience helping people navigate Arizona’s increasingly difficult insurance market.
We represent over 40 insurance companies, which means we work for you, not them. Our job is finding you the right coverage at the right price – then staying on top of it as the market shifts.
Wittmann residents face unique challenges. You’re far enough from the metro that some carriers won’t write here at all. Wildfire risk is real, especially during dry years. And when monsoons roll through, the damage can be severe. We know which companies understand rural Arizona and which ones will nickel-and-dime you on claims.
First, we talk. Not a form – an actual conversation about what you’re paying now, what coverage you have, and what gaps might be hiding in your current policy. Most people discover they’ve been underinsured or overpaying for things they don’t need.
Then we shop. We run your information through our network of 40+ carriers to see who offers the best combination of coverage and price for your specific situation in Wittmann. That includes the big names you know – Progressive Insurance Company, Geico car insurance, USAA car insurance – and regional carriers that often beat them on price.
You review the options. We lay out what each policy covers, what it costs, and where the differences matter. No pressure, no sales pitch. Just clear information so you can make the call.
Once you choose, we handle the switch. That includes canceling your old policy if needed, so you’re not stuck managing two companies during the transition. And after you’re set up, we don’t disappear. When renewal time comes or your situation changes, we’re already on it – checking if there’s a better rate elsewhere or if your coverage needs adjusting.
Ready to get started?
You get access to more insurance companies than you could shop on your own. That’s not just convenient – it’s financially significant. Rates vary wildly between carriers, and the company offering cheap car insurance for your neighbor might quote you double.
You get someone who knows Arizona. Wittmann sits in Maricopa County, where wildfire risk, dust storms, and flash flooding aren’t theoretical – they’re annual events. We make sure your homeowners policy actually covers monsoon damage and that your auto policy accounts for the realities of rural driving.
You get ongoing management. Most people buy a policy and forget about it until renewal. That’s when they discover their rate jumped or their coverage changed. We review your policies regularly, shop them when it makes sense, and adjust coverage as your life evolves – new car, home improvements, additional drivers.
You also get bundling discounts. Combining home and auto insurance with the same carrier typically saves 10-25% on both policies. We identify those opportunities and make sure you’re not leaving money on the table.
And there’s no cost for our services. We’re paid by the insurance companies we represent, the same way a captive agent working for just one company gets paid. The difference is we’re not incentivized to push you toward one carrier – we get paid regardless of which one you choose.
Arizona’s insurance market is under serious pressure. Homeowners insurance rates jumped 62% over five years – the highest increase in the nation. Auto insurance is climbing 22% this year alone, pushing the average annual premium past $2,000.
The reasons are straightforward. Catastrophic losses from wildfires, severe monsoons, and hailstorms have hit carriers hard. Repair costs and medical expenses are up across the board. And reinsurance – the insurance that insurance companies buy – is significantly more expensive than it was three years ago.
Some companies are responding by raising rates. Others are pulling back entirely, refusing to write new policies in high-risk areas or non-renewing existing customers. That’s creating a supply problem where fewer carriers are competing for your business, which pushes prices even higher. Working with us gives you access to more options when your current company decides Arizona is too risky.
When you buy direct from Progressive Insurance or Geico car insurance, you’re seeing one company’s rates and coverage options. That’s it. If their underwriting doesn’t like something about your profile – your location, your credit, your claims history – you’re stuck with whatever they quote or you start over somewhere else.
We shop multiple companies at once. We run your information through our entire network – which includes Progressive, Geico, USAA insurance, AAA insurance, Direct Auto Insurance Company, and three dozen others – then show you the best options. One carrier might beat everyone on auto but be expensive for home. Another might offer the cheapest car insurance but terrible customer service on claims.
The other major difference is what happens after you buy. Direct companies want you to renew automatically every year. We’re actively watching your policies and shopping them when rates creep up or better options appear. You’re not locked in, and you’re not on your own when the market shifts.
Most people don’t realize their policy was designed for a generic risk profile, not the specific challenges of living in rural Maricopa County. Wittmann faces wildfire exposure during dry seasons, monsoon damage in summer, and dust storms that can total a car in minutes.
The right homeowners policy includes wind-driven rain coverage, which standard policies often exclude. It covers monsoon damage to roofs, walls, and landscaping without a massive deductible. And it accounts for the fact that rebuilding costs in Wittmann might be higher than in metro Phoenix because contractors have to travel farther.
For auto insurance, you want comprehensive coverage that handles dust storm damage, animal strikes on rural roads, and the reality that emergency services might take longer to reach you after an accident. We also make sure your liability limits are high enough to protect your assets if you’re found at fault – because Arizona’s minimum requirements are dangerously low.
Yes, but it depends on your situation. If you’ve been with the same carrier for years and haven’t shopped around, there’s a good chance you’re overpaying. Loyalty doesn’t get rewarded in insurance – new customers typically get better rates than longtime policyholders.
That said, if you’ve filed multiple claims recently or your credit took a hit, switching might not save you money immediately. Some carriers will see you as high-risk and quote accordingly. But we can find the companies that weigh those factors differently or specialize in non-standard risks.
The bigger opportunity is bundling. If you’re carrying home and auto insurance with different companies, consolidating them with one carrier usually unlocks discounts of 10-25% on both policies. We also look for coverage you’re paying for but don’t need – like rental car coverage if you have multiple vehicles, or roadside assistance if you’re already covered through AAA.
Even if switching doesn’t save money today, having us shop your policies regularly means you’ll catch savings when they appear. Rates change constantly, and what’s expensive now might be competitive in six months.
We handle the cancellation for you. Once your new policy is active, we contact your old carrier and request cancellation effective the same date your new coverage starts. That way there’s no gap and no overlap where you’re paying two premiums.
You’ll typically receive a refund for any unused premium if you paid in advance. Most companies prorate the refund based on how many days were left in your policy term. Some charge a small cancellation fee, but it’s usually minimal and disclosed upfront.
The one thing to watch is timing. If you’re canceling mid-term without replacing the policy, some carriers report that to the state as a lapse in coverage, which can raise your rates later. That’s why we make sure your new policy starts the same day the old one ends – no lapse, no penalty.
If you’re financing a home or auto loan, your lender needs proof of continuous coverage. We send them the new declarations page showing your coverage is active, so there’s no disruption to your loan terms or escrow payments.
No. The premium you pay is the same whether you buy through us or directly from the insurance company. Carriers set their rates based on risk factors – your driving record, your home’s age, your claims history – not based on how you purchased the policy.
We’re compensated by the insurance companies we represent through commissions built into the premium. That’s the same way a captive agent working for just State Farm or just Allstate gets paid. The difference is we’re not tied to one company, so we have no incentive to push you toward a policy that’s not the best fit.
What you get for the same price is expertise and ongoing service. We know which carriers handle claims well and which ones fight you on every detail. We know who’s raising rates in Wittmann and who’s offering competitive pricing right now. And when you need to file a claim or adjust your coverage, you’re calling someone local who already knows your situation – not a 1-800 number where you start from scratch every time.
Local Resources
Useful Links
Other Services we provide in Wittmann
