Hear from Our Customers
Arizona auto insurance rates climbed from $2,026 to $2,195 in 2024. That’s not a billing error. That’s the market right now.
Here’s what most people don’t realize: your rate with Progressive might be $180 a month while GEICO quotes you $240 for the same coverage. Or the reverse. The difference between carriers can be $700 a year or more, and it changes based on your specific profile.
You’re not stuck with whoever you’ve been using. Maricopa drivers actually pay about $6 less per month than the Arizona average, but only if you’re with the right carrier for your situation. That’s where comparing actually matters.
We work with over 40 auto insurance companies. That includes the ones you’ve heard of—State Farm, GEICO, Progressive, Travelers, USAA, AAA—and plenty you haven’t. Some of the smaller carriers beat the big names on price without sacrificing coverage.
Premier Choice Insurance is a family-owned independent agency based in Mesa, serving Maricopa and the surrounding area. We’ve been doing this long enough to know what happens when your rates spike or your claim gets denied.
We’re not tied to one company. That means we can actually shop your policy across dozens of carriers and tell you what’s competitive and what’s not. No offshore call centers. No chatbots. Just local agents who pick up the phone.
We’ve earned over 930 five-star reviews on Google because we do what we say we’re going to do. When your policy needs adjusting or your situation changes, you’re talking to the same people who wrote it. That’s how it should work.
You call or message us with your current coverage details. If you have your declarations page handy, that speeds things up. If not, we can work with what you know.
We’ll ask a few questions about your driving history, vehicles, and what you actually need covered. Then we run your profile through our carrier network. That includes direct auto insurance companies and regional carriers that don’t advertise during the Super Bowl.
You’ll get real quotes—not estimates—from multiple companies. We’ll walk through what each one covers, where they differ, and what makes sense for your situation. If one of them saves you money without cutting corners, we can bind it same-day. If your current rate is already competitive, we’ll tell you that too.
Once you’re set up, we handle the cancellation of your old policy if needed. No fees for our service. We get paid by the carrier you choose, so it costs you nothing to shop around.
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Arizona requires liability coverage—$25,000 per person and $50,000 per accident for injuries, plus $15,000 for property damage. That’s the legal minimum. It’s also not nearly enough if you cause a serious accident.
Most people carry more than the minimum, and for good reason. Comprehensive and collision cover your own vehicle. Uninsured motorist protection covers you when the other driver doesn’t have insurance, which happens more often than you’d think.
Maricopa sits in Pinal County, where vehicle thefts dropped 15% in 2024. That’s good news for comprehensive claims. But repair costs are climbing because of advanced safety tech in newer vehicles. A fender bender that used to cost $1,500 can now run $4,000 if it damages sensors or cameras.
When you compare quotes, make sure you’re comparing the same coverage limits. A cheap car insurance quote that only meets state minimums isn’t cheaper if you’re underinsured. We’ll show you what full coverage actually costs across carriers like Progressive Insurance, USAA, AAA Insurance, and others so you can make a real decision.
Your rate can increase even without a claim because insurance companies adjust pricing based on overall risk, not just your personal history. In 2024, Arizona saw rate hikes around 22% across the board due to rising repair costs, increased medical expenses, and higher claim payouts statewide.
Carriers also re-evaluate their book of business regularly. If your company had a bad year with claims in Arizona, everyone in that pool sees an increase. It’s not personal, but it does mean your loyalty isn’t always rewarded.
This is exactly why independent agents exist. When your rate jumps, we can immediately check what other carriers will charge you for the same coverage. Sometimes switching saves you 20-30%. Other times your current rate is fair and we’ll confirm that. Either way, you know where you stand.
When you go directly to GEICO or Progressive Insurance, you get one quote from one company. They’ll tell you it’s competitive, and maybe it is. But you have no comparison point unless you repeat the process with State Farm, Travelers, USAA, AAA Insurance, and everyone else.
Independent agents represent multiple carriers. We run your information once and get quotes from 40+ companies at the same time. That includes direct auto insurance companies and regional carriers you won’t find on TV.
The other advantage: if you have a claim or need to adjust your policy, you call us—not a 1-800 number. We already know your situation. We can also move you to a different carrier if your current one raises rates or drops you after a claim. You’re not starting from scratch every time.
Nothing. You don’t pay us directly. We earn a commission from whichever insurance company you choose, and that commission is already built into the premium. You’d pay the same rate whether you bought through us or went to the carrier’s website yourself.
The difference is you get access to more options and ongoing support without any additional cost. We handle policy changes, answer coverage questions, and help with claims. If you bought direct, you’re navigating that alone.
Some people assume independent agents are more expensive because we’re adding a “middleman.” That’s not how it works. The carrier pays us for bringing them business. Your rate is your rate regardless of where you buy it.
USAA car insurance is only available to active military, veterans, and their immediate family members. If you qualify, it’s worth checking—they consistently rank high for customer service and claims handling.
If you don’t qualify for USAA, there are other carriers with similar reputations that aren’t restricted to military families. Travelers, Auto-Owners, and some regional companies offer comparable coverage and service without membership requirements.
We’ll tell you upfront if you’re eligible for USAA based on your background. If you are, we can quote it alongside other options. If not, we’ll focus on carriers that are accessible and competitive for your profile. Either way, you’re not missing out on coverage.
Non-renewals happen more than people expect, especially after claims or if your carrier exits the Arizona market. If your policy isn’t renewed, you’ll get a notice—usually 30 to 60 days before your term ends. That gives you time to find new coverage, but it can feel like a scramble.
This is where having an independent agent makes a difference. If your carrier drops you, we already have your information and can immediately shop you to other companies. Some carriers specialize in drivers who’ve had claims or lapses. They’re not bargain-basement policies—they’re legitimate coverage for people in transition.
Arizona law requires continuous insurance. If you let coverage lapse, even for a day, you’ll face higher rates when you reinstate. We make sure there’s no gap between your old policy and your new one, even if you’re switching under pressure.
That depends on what you’re switching to and whether the coverage is identical. Saving $240 a year matters, but not if you’re dropping important coverage or moving to a company with a terrible claims process.
Before you switch, compare the declarations pages side by side. Check your liability limits, deductibles, and optional coverages like rental reimbursement or roadside assistance. If everything matches and you’re saving money, it’s usually worth the switch.
We handle the entire transition if you decide to move. That includes confirming your new policy is active before canceling the old one, so you’re never uninsured. We also follow up to make sure your old company processes the cancellation and refunds any unused premium. Switching is simple when it’s done right.
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