Hear from Our Customers
Your premium jumped 22% this year. You didn’t file a claim. You didn’t get a ticket. And when you called to ask why, you got a scripted answer and zero help.
That’s what happens when you’re locked into one carrier. They know you’re not going anywhere, so they raise rates and hope you don’t notice.
Here’s what changes when you work with an independent agency that represents over 40 auto insurance companies. You get access to Progressive insurance, Geico car insurance, USAA insurance, Direct Auto, AAA insurance, and three dozen others—all compared side by side. Same coverage. Different prices. Often by hundreds of dollars.
You’re not stuck. You’re not guessing. And when your rate tries to creep up next year, we re-shop it before you even get the renewal notice. That’s the difference between being someone’s customer and being someone’s captive.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping drivers across Buckeye, Surprise, Goodyear, and the West Valley compare auto insurance companies for years—not because we work for one carrier, but because we work for you.
We’re in the office. We answer the phone. And we represent more than 40 top-rated carriers, which means we can actually shop your policy instead of just selling you what’s on the shelf.
Buckeye’s grown fast. More people means more traffic, higher accident rates, and insurance companies adjusting premiums to match the risk. We get it. That’s why we don’t just quote you—we explain what’s happening in your market and how to protect yourself without overpaying.
You call or submit a quote request. We ask a few questions about your vehicles, drivers, and coverage preferences. Then we run your profile through our network of carriers—Progressive, Geico, USAA, Travelers, Safeco, Direct Auto Insurance, AAA, and more.
You’re not filling out the same form on six different websites. You’re not waiting for callbacks from five different agents. We handle the comparison, explain the differences, and show you what each policy actually covers.
Once you pick a carrier, we handle the paperwork. If you want us to cancel your old policy, we do that too. No overlap. No gap. Just a clean switch.
And when your policy comes up for renewal, we re-shop it automatically. If there’s a better rate somewhere else, you’ll know before your current carrier has a chance to quietly raise your premium.
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Arizona’s minimum coverage is $25,000 per person for bodily injury. That barely covers an ER visit. Nearly 30% of Arizona drivers are uninsured, and if one of them hits you, your policy needs to pick up the slack. That’s why uninsured motorist coverage isn’t optional here—it’s essential.
Buckeye sits in one of the fastest-growing counties in the country. More drivers, more congestion, more risk. Insurance companies see that and adjust rates accordingly. But not all of them adjust the same way. Some carriers handle growth markets better than others. Some offer discounts for safe drivers, bundled policies, or vehicles with advanced safety features.
We compare all of it. Liability limits, collision, comprehensive, uninsured motorist, medical payments. We also look at how each carrier handles claims, because cheap car insurance isn’t cheap if they fight you when you need them.
You’ll see options from Direct Auto Insurance Company, Progressive Insurance Company, USAA car insurance, Geico, AAA, and others. We’ll explain what each one covers, what it costs, and where the gaps are. Then you decide what fits.
Arizona auto insurance rates increased 22% in 2024, and it’s hitting everyone—not just drivers with claims or tickets. Carriers are adjusting premiums based on statewide trends: more accidents, higher medical costs, more uninsured drivers, and increased vehicle repair expenses.
Even if your driving record is spotless, you’re part of a risk pool. When that pool gets more expensive to insure, rates go up across the board. Some companies raise rates more aggressively than others, which is why shopping carriers every year or two matters.
If your rate jumped and you haven’t shopped around in a while, you’re likely overpaying. We can compare your current policy against 40+ other carriers to see if there’s a better option. Often, there is—and it’s not a small difference.
When you go directly to Geico or Progressive insurance, you’re getting one quote from one company. If their rate is high, your only option is to start over with another carrier and fill out another application.
We represent dozens of auto insurance companies at once. We run your information through our entire network—Geico, Progressive, USAA, Direct Auto, AAA insurance, Travelers, Safeco, and more—and show you all the options side by side.
Same coverage, different prices. You pick the one that fits. And if your rate goes up next year, we re-shop it without you having to lift a finger. You’re not locked into one company’s pricing model, and you’re not doing the legwork yourself.
Arizona requires $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. That’s the legal minimum, but it’s not nearly enough if you cause a serious accident.
Medical bills in Arizona are rising 6.9% annually. A hospital stay, surgery, or extended treatment can easily exceed $25,000 for one person. If you’re found at fault and your coverage maxes out, the injured party can come after your assets—your home, your savings, your wages.
Most agents recommend at least $100,000/$300,000 in liability coverage, plus uninsured motorist protection that matches. Buckeye has a high percentage of uninsured drivers, and if one of them hits you, your policy has to cover your injuries and repairs. Comprehensive and collision are optional unless you’re financing, but they’re worth considering if your vehicle has significant value.
Cheap car insurance usually means minimum coverage, and minimum coverage leaves you exposed. But affordable insurance with solid protection? That’s possible if you’re comparing the right carriers.
Some companies offer better rates for safe drivers. Others discount bundled policies or vehicles with anti-theft systems and advanced safety features. A few carriers specialize in high-risk drivers, while others focus on low-mileage or mature drivers.
The key is comparison. Direct Auto Insurance might beat Progressive on liability. USAA car insurance could win on comprehensive. Geico might have the best rate for young drivers, while AAA offers discounts for long-term members. You won’t know until you compare them all, and that’s what we do—find the lowest rate that still covers what you need.
Arizona has one of the highest uninsured driver rates in the country—nearly 30% of motorists don’t carry active policies. If one of them hits you, they’re not paying for your repairs or medical bills. Their insurance won’t, because they don’t have any.
That’s where uninsured motorist coverage comes in. It’s an add-on to your policy that covers your injuries and vehicle damage when the at-fault driver has no insurance. Without it, you’re filing a lawsuit or paying out of pocket—and most uninsured drivers don’t have assets worth pursuing.
Uninsured motorist coverage is relatively inexpensive, especially compared to what you’d pay if you had to cover a totaled car or hospital stay yourself. We recommend matching it to your liability limits, so if you carry $100,000/$300,000 in liability, you’d want the same in uninsured motorist protection.
Every year at renewal, or sooner if your rate increases unexpectedly. Auto insurance companies adjust pricing constantly based on claims data, regional trends, and competitive positioning. A carrier that offered the best rate two years ago might not be competitive today.
If you’re working with us, we handle this automatically. When your renewal comes up, we re-shop your policy across our network of 40+ carriers to make sure you’re still getting the best rate. If something better is available, we let you know. If your current carrier is still the best option, you stay put.
If you’re shopping on your own, plan to compare at least three to five carriers annually. Rates can vary by hundreds of dollars for the same coverage, and loyalty doesn’t pay—most companies reserve their best pricing for new customers, not long-term policyholders.
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