Hear from Our Customers
You call one number and get access to over 40 auto insurance companies. That includes Progressive, GEICO, AAA, USAA, and dozens of others you’ve probably never heard of but should know about.
We pull quotes from all of them. You see the differences side by side. Then you decide what makes sense for your situation.
No chatbots. No offshore call centers. No waiting three days for someone to email you back. Just a real conversation with someone in Arizona who knows how insurance works here and what you’re actually dealing with. If your rates jumped 30% last year, you’re not imagining it. Arizona saw some of the steepest auto insurance increases in the country. That’s not your fault, and it’s exactly why shopping around matters more now than it did two years ago.
Premier Choice Insurance is a family-owned agency based right here in Arizona. We’ve been doing this long enough to know what matters: answering the phone, explaining things clearly, and not wasting your time.
We represent over 100 insurance carriers. That means we don’t work for one company trying to sell you their product. We work for you, and we get paid the same no matter which carrier you choose.
Chandler sees over 4,000 accidents a year. You’re driving on some of the busiest roads in the state, and your insurance needs to reflect that. We’ve helped hundreds of Arizona drivers figure out what coverage actually protects them and what’s just extra cost. That’s what 930+ five-star Google reviews are about—people who didn’t get the runaround.
You reach out—phone, email, whatever works. We ask you some basic questions about your vehicles, your driving history, and what you’re currently paying.
Then we run your information through our carrier network. That includes the names you know—Progressive Insurance, GEICO car insurance, Direct Auto Insurance, AAA Insurance, USAA car insurance if you’re eligible—and plenty you don’t. Some of the best rates come from regional carriers that don’t advertise during the Super Bowl.
We send you a comparison. You’ll see what each company offers, what it costs, and where the coverage differs. We walk through it with you so you understand what you’re actually buying. 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 games.
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Cheap car insurance isn’t just about the lowest premium. It’s about getting the right coverage at a price that doesn’t make you wince every six months.
Arizona requires minimum liability coverage, but that minimum won’t come close to covering a serious accident on the Loop 101 or Ray Road. If you cause an accident that injures someone or totals their car, you’re personally on the hook for anything your policy doesn’t cover. That’s where people get buried.
We help you find the balance. Maybe that’s a higher deductible to lower your premium. Maybe it’s bundling your auto and home insurance to unlock discounts. Maybe it’s switching from a direct auto insurance company to a regional carrier that underwrites Arizona drivers differently. Chandler drivers deal with everything from monsoon flooding to rising theft rates in certain zip codes. Your policy should account for that. We make sure it does, and we do it without charging you a dime for our time. You pay the same rate you’d pay going direct to Progressive or USAA—but you get our help on top of it.
Arizona auto insurance rates jumped over 20% in 2024 alone. That’s one of the highest increases in the country, and it hit almost everyone regardless of their driving record.
Insurance companies price based on risk pools, not just individual behavior. If claims are up across the state—and they are—everyone’s rates go up. Add in higher vehicle repair costs, more expensive medical bills, and rising uninsured driver rates, and you’ve got a perfect storm.
The good news is that not all auto insurance companies raise rates at the same pace. Some carriers are pulling out of Arizona entirely, while others are staying competitive to gain market share. That’s why comparing quotes matters. The company that gave you a great rate five years ago might be one of the most expensive options today. We track which carriers are pricing aggressively and which ones are bleeding customers. That’s the advantage of working with an independent agency.
When you go direct to GEICO car insurance or Progressive Insurance, you get one quote from one company. If their algorithm doesn’t like something about your profile, you’re stuck with whatever rate they give you.
When you work with us, you get quotes from 40+ carriers at once. GEICO might quote you $200 a month while a regional carrier quotes you $140 for the same coverage. You’d never know that if you only called GEICO.
We also handle the entire process. That means comparing coverage details, explaining what you actually need, and managing your policy over time. If you have a claim or need to add a vehicle, you call us—not a 1-800 number where you’re talking to someone reading a script. You pay the exact same rate you’d pay going direct, but you get our expertise and ongoing support included. There’s no downside unless you just really enjoy calling multiple insurance companies yourself.
Arizona requires 25/50/15 liability coverage. That’s $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage. That might sound like a lot, but it’s not.
If you cause an accident that seriously injures someone, their medical bills alone could hit six figures. If you total someone’s new truck, you’re looking at $60,000+ in vehicle damage. The state minimum won’t come close, and you’ll be personally liable for the difference.
Most people should carry at least 100/300/100 liability coverage. That’s $100,000 per person, $300,000 per accident, and $100,000 for property damage. Add uninsured motorist coverage because roughly one in eight Arizona drivers has no insurance at all. If they hit you, your uninsured motorist coverage pays for your injuries and damage. Collision and comprehensive coverage protect your own vehicle. Collision covers accidents; comprehensive covers theft, weather, vandalism, and hitting wildlife. If you’re financing or leasing, your lender requires both. If you own your car outright, it’s your call based on the vehicle’s value.
If you’re eligible for USAA insurance, yes. USAA only insures military members, veterans, and their families, so not everyone qualifies.
We can quote USAA car insurance for eligible clients and compare it against other carriers. Sometimes USAA has the best rate, sometimes they don’t. It depends on your specific situation and what other companies are willing to offer.
A lot of people assume USAA is always the cheapest option for military families, but that’s not guaranteed. We’ve seen cases where AAA Insurance or a regional carrier beat USAA’s rate by 15-20%. The only way to know is to compare.
If you’re not eligible for USAA, we have plenty of other options. Many of our carriers offer military discounts even if they’re not exclusive to the military community. We make sure you’re getting every discount you qualify for, whether that’s military service, good driver, multi-policy, or anything else that applies.
You call us first. We walk you through what information the insurance company needs, how to document everything, and what to expect from the claims process.
Then you file the claim directly with your insurance carrier. They handle the investigation, the adjuster, and the payout. That’s standard across the industry—the carrier manages their own claims.
Where we add value is in the follow-up. If the claim gets delayed or denied, we step in and advocate for you. We know how claims are supposed to work, and we know when an insurance company is stalling or lowballing. We can’t force them to pay, but we can make sure your case gets the attention it deserves.
We also help you understand how a claim affects your rates. Not every claim triggers an increase, especially if you weren’t at fault. Arizona law actually prohibits insurers from raising your rates for accidents you didn’t cause. But the rules get murky, and companies don’t always follow them. We keep an eye on your renewals to make sure you’re not getting hit with bogus rate hikes.
We coordinate the timing so your new policy starts the same day your old one ends. There’s no gap, no lapse, and no risk of driving uninsured.
Here’s how it works: we finalize your new policy and set the start date. Then we contact your current insurance company and cancel your old policy effective the same day. If you’ve prepaid, they’ll refund the unused portion. Most companies prorate it down to the day.
You don’t have to call your old carrier yourself. We handle the cancellation as part of our service. That includes dealing with any automatic payments, outstanding balances, or paperwork they require.
The whole process usually takes less than a week once you’ve decided to move forward. If you need it done faster, we can expedite it. The key is making sure your vehicle registration and loan company—if you’re financing—get updated with the new policy information. We walk you through that too. Switching carriers sounds more complicated than it is. People do it all the time, and it’s one of the easiest ways to save money or get better coverage.
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