Hear from Our Customers
You stop wondering if you’re overpaying. When you work with an independent agency that represents over 40 carriers, you’re not stuck with whatever rate one company decides to charge you this year.
You get options. Progressive insurance, GEICO car insurance, USAA car insurance, AAA insurance, and dozens more—all compared in one conversation. That’s how you find cheap car insurance without sacrificing the coverage you actually need.
And when something happens—an accident, a claim, a question about your policy—you reach a real person in our Mesa or Peoria office who knows your name. Not a call center. Not an automated system. Someone who can pull your file and give you an answer in the same conversation.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping drivers across Maricopa County—including Wittmann, Surprise, Peoria, and the West Valley—compare rates and lock in coverage that holds up when it matters.
We earned Agents of the Year in 2023 and hold over 930 five-star Google reviews. That doesn’t happen by accident. It happens when you answer the phone, show up to the office, and do the work to find people better rates without cutting corners on coverage.
We’re not tied to one carrier. We represent more than 40 of them. That means we work for you, not the insurance company.
You call or submit a quote request. We ask about your driving history, current coverage, and what you’re looking for. This takes about 10 minutes.
Then we run your information through our network of carriers. That includes the names you know—Progressive, GEICO, USAA, Direct Auto Insurance, AAA—and several you probably don’t. We’re looking for the best combination of price and coverage based on your profile.
We send you the options. You pick the one that makes sense. We handle the paperwork, the policy setup, and the cancellation of your old coverage if you want us to. No charge for that service.
After that, we stay in your corner. Rate goes up next year? Call us. Need to add a driver? Call us. Hit a deer on the 60? Call us. That’s the difference between working with an agency and buying direct.
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You get access to over 40 auto insurance companies without filling out 40 different quote forms. One conversation covers all of them.
You get liability coverage that meets Arizona’s minimum requirements—and the option to go beyond that if you’re financing a vehicle or want real protection. In Wittmann and the surrounding West Valley, uninsured motorist coverage isn’t optional. Around 12% of Arizona drivers are on the road without insurance. That’s one in eight. If they hit you, your policy is what pays for the damage.
You also get someone local who understands how Maricopa County rates work. Phoenix metro drivers pay some of the highest premiums in the state. Higher traffic, more accidents, more theft. Wittmann sits just outside that zone, which can work in your favor—but only if your agent knows how to position your quote.
We also write homeowners, renters, umbrella, life, and commercial coverage. If you bundle, you save. If you don’t, that’s fine too. No pressure. Just options.
Rates are up across the board. The average annual increase nationwide is 8.4%, and Arizona is no exception. A few things are driving that.
Claims costs are higher. The average third-party bodily injury claim hit $29,900 in 2023—a 32% jump since 2021. Medical billing is inflating three to four times faster than everything else. Repairs cost more because cars are loaded with sensors, cameras, and tech that requires specialized labor. And there’s a shortage of qualified techs, which drives up shop rates even more.
On top of that, more people are driving, and they’re driving worse. Distracted driving and speeding both increased post-pandemic. Arizona sees 15.6 traffic deaths per 100,000 residents, which is above the national average. All of that gets baked into your premium.
When you buy direct from GEICO car insurance or Progressive insurance, you’re getting one quote from one company. If their rate goes up next year, your options are to pay it or start over somewhere else.
When you work with an independent agent, you’re getting quotes from 40+ carriers at once. GEICO, Progressive, USAA insurance, AAA insurance, Direct Auto Insurance Company, and three dozen others. We compare them all and show you the best fit.
The other big difference is what happens after you buy. If you call GEICO, you get their call center. If you call us, you get our office in Mesa or Peoria. Same people every time. We can re-shop your policy at renewal, add coverage mid-term, or file a claim on your behalf. You’re not just a policy number here.
It depends on who caused the accident. Arizona law prohibits insurers from raising your premium for accidents that weren’t your fault. That’s ARS 20-263, and it’s been on the books for years.
If you’re hit by someone else and you file a claim under your collision or uninsured motorist coverage, your rate shouldn’t increase. If you’re at fault, the insurance company can raise your rate at renewal. How much depends on the severity of the claim and your history.
A lot of Arizona drivers avoid reporting accidents because they’re afraid of a rate hike. That’s a mistake. If the other driver was at fault, you’re protected by law. And if you don’t report it, you might miss the window to file—most carriers require notification within a few days, even if you’re not filing a claim right away. Call us first. We’ll tell you whether it makes sense to file.
Arizona requires liability coverage of at least 25/50/15. That’s $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage.
That’s the legal minimum. It’s not enough. If you cause an accident that injures someone seriously, $25,000 won’t come close to covering their medical bills. You’ll be personally liable for the rest. Same goes for property damage—if you total someone’s $40,000 truck, your $15,000 policy leaves you on the hook for $25,000.
Most agents recommend at least 100/300/100 if you can afford it. If you own a home or have assets worth protecting, add an umbrella policy on top. It’s cheap—usually $200 to $400 a year for a million dollars in coverage—and it protects everything you’ve built if you’re ever sued.
The statewide average for full coverage in Arizona is $2,644 a year. Minimum coverage averages $849. Wittmann tends to run a bit lower than Phoenix, Mesa, or Scottsdale because you’re outside the densest parts of Maricopa County.
But your rate depends on your profile. Age, driving record, credit score, vehicle type, coverage limits, and deductible all factor in. A 25-year-old with a speeding ticket will pay more than a 45-year-old with a clean record. A financed car requires full coverage. A paid-off sedan doesn’t.
That’s why shopping multiple carriers matters. One company might charge you $3,200 a year. Another might quote $1,800 for the same coverage. We’ve seen swings that big in the same day. The only way to know what you’ll actually pay is to run the quotes.
Yes, but you have to shop it right. Cheap car insurance doesn’t mean bare-bones coverage. It means finding the carrier that rates your profile the most competitively.
Every insurance company uses a different formula to calculate risk. GEICO might love your driving record but ding you for your credit. Progressive might not care about your credit but charge more if you’re under 25. USAA car insurance offers great rates if you’re military or a veteran, but you can’t get a quote unless you qualify.
That’s where an independent agent makes a difference. We know which carriers are competitive for which profiles. If you’re a young driver, we know where to look. If you’ve had a claim in the last three years, we know who won’t penalize you as hard. If you want to bundle home and auto, we know who gives the deepest discount.
You’re not sacrificing coverage. You’re just finding the company that prices you fairly.
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