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Arizona drivers who switch carriers save an average of $461 per year. That’s not a promotional number—that’s what happens when you compare quotes from multiple auto insurance companies instead of renewing with the same one out of habit.
Here’s what changes. You’re not stuck with whatever rate your current company decides to charge after they’ve had your business for a decade. You’re not guessing whether Geico car insurance or Progressive insurance or USAA car insurance is actually cheaper for your situation. You get real numbers from real carriers, and you pick the one that makes sense.
The process takes about 15 minutes. You’ll see quotes from carriers like Progressive, Geico, USAA, AAA insurance, Travelers, and others. Some will be higher. Some will be significantly lower. You’ll know exactly where you stand, and you’ll have options you didn’t have before.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping drivers across the state—including Carefree, Scottsdale, Cave Creek, and the broader Phoenix area—find better coverage and better rates since day one.
Here’s the difference. We represent over 40 auto insurance companies, not just one. That means when you call us, we’re shopping on your behalf. We’re comparing what Progressive insurance offers versus what Geico or USAA or Direct Auto can do for the same coverage. You get the best option, not the only option.
We’re local. You can reach someone at (480) 830-1800 who actually picks up. No chatbots. No voicemail loops. Just real people in a real office who know Arizona insurance inside and out.
First, you reach out. Call (480) 830-1800 or submit a quote request online. We’ll ask you basic information—your vehicles, your driving history, what coverage you currently have. This takes about 10 minutes.
Next, we run your information through our network of 40+ carriers. That includes the big names you’ve heard of—Progressive insurance, Geico, USAA insurance, AAA insurance, Direct Auto—and some regional carriers that often beat the national averages. We’re looking for the best combination of price and coverage for your specific situation.
Then we present your options. You’ll see quotes side by side. We’ll explain what each policy covers, where the differences are, and what we’d recommend based on your needs. If you’re happy with one of them, we handle the paperwork and the switch. If your current carrier is actually the best option, we’ll tell you that too.
Once you’re set up, we don’t disappear. Your policy is managed through us. If your rates go up next year, if you buy a new car, if you have a claim—you call us. We handle it.
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Every auto insurance company offers the same basic coverage types—liability, collision, comprehensive, uninsured motorist. What changes is the price, the limits, the deductibles, and how they handle claims. That’s what you’re comparing.
In Carefree, you’re dealing with a few Arizona-specific factors. The state has a 25% uninsured motorist rate, which is one of the highest in the country. That means one in four drivers on the road has no insurance. If they hit you, your uninsured motorist coverage is what pays for your repairs and medical bills. A lot of people skip this or carry the minimum. That’s a mistake.
Arizona also requires minimum liability coverage of $25,000 per person and $50,000 per accident. That’s not enough if you cause a serious accident. If someone gets hurt and your liability limit is too low, they can come after your personal assets. We typically recommend higher limits—$100,000/$300,000 or more—especially in areas like Carefree where property values and incomes are higher.
When you compare quotes, you’re also comparing how each company handles rate increases. Arizona saw a 22% average increase in 2024, with rates expected to climb to $2,195 by the end of the year. Some carriers raised rates across the board. Others were more selective. That’s why shopping around matters—your current company might have spiked rates while another kept them flat.
There’s no single answer because cheap car insurance depends on your specific profile—your age, your driving record, your vehicle, your credit, and a dozen other factors. Geico and Progressive insurance tied for the top ratings in Arizona overall, but that doesn’t mean they’ll be cheapest for you.
Here’s what actually happens. One driver gets quoted $1,400 per year from Geico and $1,850 from Progressive. Another driver with a different profile gets the opposite. USAA insurance often beats both for military families, but you have to be eligible. AAA insurance sometimes wins for drivers with clean records who bundle home and auto. Direct Auto insurance can be competitive for drivers with less-than-perfect credit.
The only way to know is to compare quotes from multiple carriers. That’s why independent agencies exist. We run your information through 40+ companies at once and show you who’s actually cheapest for your situation. The difference between the highest and lowest quote is often $500 to $800 per year for the same coverage.
Arizona auto insurance rates jumped 22% in 2024, and most of that had nothing to do with individual driving records. Insurance companies raised rates across the board because their costs went up—more accidents, higher repair costs, more expensive medical bills, and a 25% uninsured motorist rate that forces them to cover more claims out of pocket.
Your rate can also increase because of factors tied to your zip code. Carefree has lower crime and accident rates than central Phoenix, but you’re still affected by statewide trends. If claims in Arizona go up, everyone’s rates go up. If the cost to repair your specific vehicle increases—and it has, significantly, over the past few years—your rate increases even if you never file a claim.
Here’s what you can control. You can shop around. Carriers don’t raise rates uniformly. One company might increase your premium by 25% while another raises it by 8%. If you’ve been with the same company for years and just accepted the increase, you’re likely overpaying. Get quotes from other carriers. That’s the fastest way to offset a rate hike you didn’t cause.
If your car is paid off and worth less than $3,000 to $4,000, liability-only coverage usually makes sense. You’re paying $600 to $1,000 per year for collision and comprehensive coverage that would only pay out a few thousand dollars minus your deductible. The math doesn’t work.
If your car is financed or leased, you’re required to carry full coverage. The lender won’t let you drop it. If your car is paid off but still worth $10,000 or more, full coverage is usually worth it. You’re protecting a real asset. If someone hits you in a parking lot and takes off, or if your car is stolen, or if a dust storm cracks your windshield and hail dents your hood, comprehensive and collision coverage pays for the repairs.
Here’s the other factor. Arizona has a 25% uninsured motorist rate. If someone without insurance hits you and you only have liability coverage, you’re paying for your own repairs out of pocket. Uninsured motorist property damage coverage costs about $50 to $100 per year and covers your car if an uninsured driver causes the accident. That’s worth having even if you drop collision and comprehensive.
Yes. You can switch anytime. You’re not locked in. If you find a better rate or better coverage with another carrier, you can cancel your current policy and start a new one the same day. Most people don’t realize this and wait until renewal, but there’s no penalty for switching mid-term.
Here’s how it works. You get quotes from other auto insurance companies. If one of them is better, you buy the new policy with a start date of your choosing—usually a few days out. Then you cancel your old policy effective the same day the new one starts. Your old carrier will refund any unused premium. If you paid for six months and you cancel after four, you get two months back.
We handle the cancellation for you. You don’t have to call your old company and deal with the retention department trying to talk you out of it. We submit the cancellation notice, and you get your refund check in the mail a few weeks later. The whole process takes about 15 minutes of your time.
If you have uninsured motorist coverage, your own insurance pays for your medical bills and vehicle damage up to your policy limits. If you don’t have that coverage, you’re stuck paying out of pocket or trying to sue the other driver—who probably doesn’t have assets worth going after if they didn’t have insurance in the first place.
Arizona’s uninsured motorist rate is 25%, which means one in four drivers on the road has no coverage. That’s higher than the national average and one of the reasons Arizona auto insurance rates are climbing. Insurance companies are paying out more claims because so many at-fault drivers can’t cover the damage they cause.
Uninsured motorist coverage is cheap—usually $100 to $200 per year for solid limits. It covers you, your passengers, and your vehicle if someone without insurance hits you. It also covers you if you’re hit by a driver with insurance but their limits are too low to cover your bills. This is called underinsured motorist coverage, and it’s included in the same add-on. If you’re driving in Arizona without this coverage, you’re taking a real risk.
Carefree tends to have lower car insurance rates than Phoenix, Mesa, or Tucson because it has lower population density, less traffic, and lower crime rates. Fewer cars on the road means fewer accidents. Lower theft rates mean lower comprehensive claims. Insurance companies price based on risk, and Carefree is a lower-risk zip code.
That said, you’re still affected by statewide trends. Arizona’s average car insurance rate hit $2,195 in 2024 after a 22% increase. Carefree drivers aren’t immune to that. If your carrier raised rates across Arizona, your rate went up too—just maybe not as much as someone in central Phoenix.
The bigger factor is your individual profile. Your age, your driving record, your vehicle, and your credit score have more impact on your rate than your zip code. A 25-year-old driver with a speeding ticket in Carefree will pay more than a 50-year-old driver with a clean record in Phoenix. The best way to know what you’ll actually pay is to get quotes from multiple carriers. We can run those for you in about 10 minutes and show you what Geico, Progressive, USAA, and others would charge for your specific situation.
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