Hear from Our Customers
Most drivers in Peoria overpay between $1,000 and $2,000 every year because they don’t compare rates. If you’ve been with the same company for more than three years, there’s a good chance you’re one of them.
Here’s what changes when you work with us. You get access to over 40 top-rated auto insurance companies—Progressive, GEICO, USAA, AAA, and dozens more—all quoted side by side. Same coverage. Different prices. No sales pitch pushing you toward one carrier because that’s all we sell.
You also get someone local who picks up the phone. Not an offshore call center. Not an automated system. A real person in Arizona who knows what uninsured motorist coverage actually means here, where nearly 12% of drivers have no insurance at all.
Premier Choice Insurance is a family-owned independent agency based right here in Arizona. We’ve been doing this for decades, and we’re not tied to a single carrier. That means we’re not incentivized to sell you one company’s policy over another.
Our job is to find you the best combination of coverage and price across more than 100 insurance carriers. We handle the quoting, the paperwork, and even the cancellation of your old policy if you switch. No cost to you for any of that.
We’ve earned over 930 five-star Google reviews, been named Agents of the Year in 2023, and ranked as one of the Three Best Rated Insurance Agents in Mesa. But what matters more than awards is this: we’re here when you call, and we stay with you when things go sideways.
First, we talk. You tell us what you’re currently paying, what coverage you have, and whether you’ve filed claims or had any tickets. This takes about 10 minutes, and it’s not a sales call. It’s a real conversation so we understand what you actually need.
Next, we run your information through our system and pull quotes from 40+ carriers. We’re looking at companies like Progressive, GEICO, USAA, AAA, Direct Auto, and others you may not have heard of but that consistently offer competitive rates in Peoria. We compare coverage limits, deductibles, and add-ons to make sure we’re quoting apples to apples.
Then we walk you through the options. We’ll show you where you can save money without cutting corners, and where spending a little more actually makes sense. If you decide to switch, we handle the paperwork and cancel your old policy. If rates go up next year or your situation changes, you call us. We re-shop it. That’s the deal.
Ready to get started?
Auto insurance in Arizona isn’t just about finding cheap car insurance. It’s about understanding what you’re buying and whether it’ll actually cover you when something happens. Peoria drivers face higher-than-average rates—$171 a month compared to $120 statewide—partly because of theft rates, uninsured drivers, and weather-related claims that have spiked in recent years.
When we quote your policy, we’re looking at liability limits, uninsured motorist coverage, comprehensive and collision deductibles, and optional coverages like roadside assistance or rental reimbursement. We also factor in discounts you might not know you qualify for: bundling home and auto, safe driver discounts, paid-in-full discounts, and others that vary by carrier.
Some companies—like USAA or AAA—have membership requirements. Others, like Progressive or Direct Auto, are more accessible but vary widely in price depending on your driving record and ZIP code. That’s why access to multiple carriers matters. One company’s high-risk driver is another’s preferred customer. We find out which one treats you best.
Peoria’s average monthly premium of $171 for full coverage is about 42% higher than Arizona’s state average of $120. Several factors drive that gap.
First, vehicle theft. Peoria and the greater Phoenix area see higher-than-average auto theft rates, especially for trucks and SUVs. Insurers price that risk into your premium. Second, uninsured drivers. Nearly 12% of Arizona drivers have no insurance, and when they cause accidents, insured drivers end up covering the cost through higher premiums. Third, severe weather. Arizona has seen an increase in monsoon damage, hail, and flash flooding over the past few years, leading to more comprehensive claims.
Your individual rate depends on your driving record, credit score, vehicle type, and coverage limits. But location plays a big role. That’s also why shopping multiple carriers matters—some price Peoria risk more aggressively than others.
When you go directly to a company like GEICO or Progressive, you’re getting quotes from that one carrier. They’ll show you their best price, but you have no idea if it’s competitive unless you repeat the process with five or six other companies.
We work differently. We represent over 40 carriers, so we can pull quotes from all of them at once and show you the differences side by side. Same coverage, different prices. We’re not employed by any single insurance company, so we don’t have a quota or incentive to push one brand over another.
You also get ongoing service. If your rate goes up at renewal, you don’t have to start over with a new company. You call us, we re-shop it, and we move you if it makes sense. That kind of relationship doesn’t exist when you’re just a policy number in a call center.
Nothing. Our services cost you nothing. We’re paid a commission by the insurance carrier when you buy a policy, and that commission is already built into the rate whether you use an agent or not.
So if you buy a Progressive policy directly from Progressive’s website, you pay the same price as you would if you bought it through us. The difference is that we also show you what Travelers, Safeco, AAA, USAA, and 30+ other companies would charge for the same coverage.
We also handle all the paperwork, cancel your old policy if you’re switching, and provide ongoing support when your situation changes. No fees. No markups. Just access to more options and someone local who actually answers the phone.
You file the claim directly with your new insurance carrier, just like you would with any company. But here’s the difference: you also have us. If the claims process gets complicated, if the adjuster is dragging their feet, or if you’re not sure whether something is covered, you call us.
We advocate for you. We know the claims teams at these companies, we know how their processes work, and we know when to escalate. That doesn’t mean we can force a payout that isn’t covered, but it does mean you’re not navigating it alone.
This is especially important in Arizona, where uninsured motorist claims and weather-related damage can get messy. Having a local agent who’s been through it before makes a difference when you’re dealing with a totaled car or a denied claim.
Yes. In fact, this is where working with us matters most. If you’ve had an accident, a DUI, or multiple tickets, some companies will either decline to cover you or charge rates so high it’s not realistic.
But not all carriers treat high-risk drivers the same way. Some specialize in non-standard auto insurance and offer reasonable rates for drivers with less-than-perfect records. Others will insure you but at a steep price. We know which companies are more forgiving and which ones aren’t worth quoting.
We also know how to structure your policy to keep costs manageable—higher deductibles, liability-only coverage, or state minimum limits if that’s all you can afford right now. Once your record cleans up, we re-shop it and move you to a better rate. You’re not stuck.
At least once a year, ideally at renewal. Rates change constantly based on claims data, your credit score, your driving record, and how each carrier is pricing risk in your area. A company that gave you a great rate two years ago might not be competitive today.
The other time to shop is after a major life change: you bought a new car, moved to a different ZIP code, added a teen driver, got married, or paid off your auto loan. All of those can shift your rate significantly, and different carriers respond differently.
If you’re working with us, you don’t have to remember to do this. We reach out proactively when it’s time to review your policy, and we re-shop it if your rate jumps at renewal. That’s part of the service. You shouldn’t have to set a calendar reminder to avoid overpaying.
Local Resources
Useful Links
Other Services we provide in Peoria
