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You shouldn’t have to spend your afternoon calling Geico, then Progressive, then USAA, then AAA just to figure out who’ll give you a fair rate. That’s the entire point of working with an independent agency.
We represent over 40 top-rated auto insurance companies. One conversation, one application, and you see what multiple carriers will actually offer you. Not what their website says they might offer. What they will offer, in writing, based on your actual driving record and coverage needs.
If your current company just raised your rates after 15 years of loyalty, you’re not stuck. If they’re playing games with your claim, you have options. If you’re discovering gaps in coverage you thought you had, we can fix that before it costs you. You get real quotes from real carriers, and you pick the one that makes sense. No runaround. No pressure to choose the most expensive option. Just options you didn’t have yesterday.
Premier Choice Insurance is a family-owned independent agency serving Gilbert, Mesa, Chandler, Scottsdale, and the entire state of Arizona. We’ve earned over 930 five-star Google reviews because we do what we say we’ll do. We’re the 2023 Agents of the Year and one of the Three Best Rated Insurance Agents in Mesa, but those awards matter less than this: when you call, a real person picks up.
Gilbert has grown into one of Arizona’s best places to live, and with that growth comes more traffic, more accidents, and more insurance companies trying to squeeze long-term residents on renewals. You’ve watched your neighborhood change. We’ve watched the insurance market change. And we know exactly which carriers are treating Gilbert drivers fairly right now and which ones aren’t.
First, we talk. You tell us what you’re paying now, what happened with your current carrier, and what you actually need. If you’re not sure what you need, that’s fine. Most people aren’t sure until someone explains what the coverage actually does when you file a claim.
Then we shop your profile across our network. That includes Progressive, Geico, Direct Auto, AAA, USAA, and dozens of other carriers you’ve heard of and some you haven’t. We’re looking for the best combination of price and coverage, not just cheap car insurance that leaves you exposed.
You get quotes in plain language. We walk through what each policy covers, what it excludes, and what it’ll cost you monthly. If one carrier offers a lower rate but has a history of dragging out claims, we’ll tell you. If another charges slightly more but has better customer service and faster payouts, we’ll tell you that too.
Once you choose, we handle the paperwork. We’ll even cancel your old policy for you if you want. No cost for our services. You’re paying the same premium you’d pay going direct to the carrier, but you’re getting our experience and access to 40+ companies instead of just one.
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Arizona requires liability coverage, but that’s just the starting point. Liability covers the other person if you cause an accident. It doesn’t cover your car, your injuries, or your family members in certain situations. That’s where the gaps show up.
Collision and comprehensive coverage protect your vehicle. Collision covers crashes. Comprehensive covers everything else: theft, vandalism, hail, hitting a deer. If you’re still making payments on your car, your lender requires both. If you own it outright, you decide if the coverage cost is worth it based on your car’s value.
Uninsured motorist coverage matters more in Arizona than people realize. If someone hits you and they don’t have insurance or they don’t have enough, this coverage steps in. Medical payments coverage handles your medical bills regardless of who caused the accident. These aren’t legal requirements, but they’re the difference between a bad day and a financial disaster.
Gilbert drivers are paying an average of $179.95 per month for auto insurance, which is above the national average. That number jumped 20.6% in 2024 alone, and it’s still climbing. But not every carrier is raising rates at the same pace. Some are increasing premiums across the board. Others are targeting specific driver profiles or ZIP codes. We track who’s doing what, so you’re not stuck paying more than you should.
Your rate can increase for reasons that have nothing to do with your driving. Insurance companies adjust premiums based on their overall claims experience, not just yours. If they paid out more in claims across Arizona or nationwide, they raise rates for everyone in your risk category.
Inflation hits insurance too. Car repairs cost more. Medical bills cost more. Replacement parts cost more. When it costs the insurance company more to settle claims, they pass that cost to you at renewal. Auto insurance premiums in Arizona increased 20.6% in 2024, and most of that had nothing to do with individual driving records.
Your rate also goes up automatically in many cases just because your policy renewed. Some carriers build in annual increases regardless of claims. That’s why shopping your rate every couple of years matters. You might be paying for loyalty instead of getting rewarded for it.
When you go directly to Geico, you get a Geico quote. When you go to Progressive, you get a Progressive quote. You’re doing all the work to compare, and you’re only seeing what each company wants to show you on their website.
When you work with an independent agency, you get quotes from Geico, Progressive, and 40+ other carriers in one conversation. We’re not employed by any single insurance company. We represent you, not them. That means we can tell you which carrier is actually competitive right now and which one is overpricing your profile.
You also get someone who answers the phone when you have a claim. Direct writers route you through 1-800 numbers and claims departments in other states. We’re local. If your claim gets stuck or your carrier isn’t responding, you call us and we handle it. That’s the difference between filing a claim and actually getting it resolved.
Arizona’s minimum liability requirement is 25/50/15. That means $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage. Those numbers were set decades ago. They’re not enough if you cause a serious accident.
If you hit someone and their medical bills exceed your liability limit, they can sue you for the difference. Your house, your savings, your future wages are all at risk. Most people should carry at least 100/300/100 in liability coverage. It doesn’t cost much more, and it actually protects your assets.
You also need to look at uninsured motorist coverage, medical payments, and whether your collision and comprehensive deductibles make sense. If your deductible is $1,000 but you don’t have $1,000 in savings, that’s a problem. We walk through these numbers with you so you’re not guessing. You should know exactly what you’re covered for and what you’re not before you need to file a claim.
Yes. Once your new policy is active, we can contact your old carrier and handle the cancellation. You don’t have to make the call or deal with their retention department trying to talk you out of leaving.
We make sure there’s no gap in coverage. Your new policy starts before the old one ends, so you’re never driving uninsured. We also make sure you get any refund you’re owed if you’ve prepaid your premium. Some carriers make this harder than it should be, but we know how to navigate it.
Switching insurance companies should take you ten minutes, not ten phone calls. That’s why we handle the paperwork. You’ve already spent enough time dealing with a company that didn’t treat you right. We’ll finish it for you.
You file the claim with whichever carrier was covering you when the accident happened. If it happens after your new policy starts, you file with your new carrier. If it happened before you switched, you file with your old carrier even if you’ve already cancelled.
We help you through the process either way. If you’re filing with your new carrier, we already have a relationship with them and we know how their claims process works. If you’re filing with your old carrier after switching, we can still advise you on what to expect and what to push back on if they’re stalling.
Claims are where you find out if you chose the right insurance company. That’s why we don’t just shop price. We look at how each carrier handles claims, how fast they pay, and how often they fight their own customers. You want a company that’s easy to work with when it matters most, not just one that had the lowest quote.
Cheap isn’t bad if you’re getting the same coverage. The problem is when cheap means less coverage, higher deductibles, or a carrier with a reputation for denying claims. You’re not saving money if you can’t actually use the policy when you need it.
Some carriers offer lower rates because they’re newer to Arizona or they’re trying to grow their market share. That’s fine. Others offer lower rates because they’ve stripped out coverage or they’re planning to raise your premium significantly at the first renewal. We know the difference.
The goal is the best price for real coverage. That’s not always the lowest number. It’s the number that makes sense when you look at what you’re actually getting and how the carrier treats people when they file claims. We’d rather you pay $20 more per month for a company that’ll actually cover you than save $20 now and lose thousands later when they deny your claim.
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