Hear from Our Customers
Arizona drivers saw auto insurance rates climb 22% in 2024. If you’ve been with the same company for years, you probably felt that increase—or worse, got a cancellation notice after filing a legitimate claim.
Here’s what most people don’t realize: your loyalty doesn’t protect you from rate hikes. Insurance companies adjust premiums based on their own financial performance, not your clean driving record. When claims costs go up across their book of business, everyone pays more.
That’s where having access to multiple auto insurance companies changes everything. Instead of accepting whatever Progressive, GEICO, or USAA decides to charge you this year, you can compare actual quotes from 40+ carriers. Same coverage. Different price tags. Often by hundreds of dollars.
You’re not stuck with one company’s decision about what you should pay. You get options, real numbers, and someone local in San Tan Valley who explains what you’re actually buying.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping drivers across San Tan Valley, Mesa, Gilbert, and the greater Phoenix area navigate the insurance market for years—and we’ve built a reputation on being available when you need us.
Our 930+ five-star Google reviews aren’t from flashy marketing. They’re from people who called, got a real person, and actually saved money or fixed a coverage gap they didn’t know existed.
We represent over 100 insurance carriers, including the big names you’re comparing right now—Progressive Insurance, GEICO car insurance, USAA, AAA Insurance, Direct Auto, and dozens more. That means we can shop your policy across multiple companies in minutes, not days. And because we’re independent, we’re not pushing one carrier’s agenda. We’re finding the best fit for your situation, your budget, and your risk profile in San Tan Valley.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s changed—maybe you filed a claim, added a driver, or just got hit with a renewal that made no sense. We ask questions that actually matter, like how much you drive, where you park, and whether you’ve bundled policies before.
Then we shop. We run your information through our network of 40+ top-rated carriers. This isn’t a generic online quote tool that sells your information to six different call centers. We’re pulling real rates from companies like Progressive Insurance, GEICO, USAA, Travelers, Nationwide, and others you’ve heard of—plus regional carriers that often beat the big names on price.
Finally, we compare and explain. You’ll see the differences in coverage, deductibles, and premiums side by side. We’ll tell you why one policy costs less and whether that’s because of lower liability limits or a higher deductible. No jargon. No runaround. Just clear answers so you can make a decision that actually protects you.
If you switch, we handle canceling your old policy. You don’t have to call your old carrier or worry about overlapping coverage. We take care of it.
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Not all auto insurance companies price risk the same way. Progressive might charge you more because of your credit score. GEICO might offer a better rate because of your vehicle’s safety features. USAA beats almost everyone if you’re military or a veteran. AAA Insurance often wins if you’re bundling home and auto.
In San Tan Valley, your zip code matters too. You’re paying about $17 more per month than the Arizona average, but you’re still below the national average. That’s partly because of traffic density, accident rates, and the percentage of uninsured drivers in Pinal County—which sits around 12% statewide.
When we compare quotes for you, we’re looking at liability limits, collision and comprehensive coverage, uninsured motorist protection, and deductibles. Arizona requires minimum liability coverage, but those minimums won’t cover much if you cause a serious accident. We’ll show you what it costs to increase those limits and why it matters.
We also look at discounts you might be missing—bundling home and auto, safe driver discounts, paid-in-full discounts, and telematics programs that track your driving. Some carriers offer better discounts than others. We know which ones actually deliver savings and which ones are marketing fluff.
You’ll also see how each company handles claims. Some carriers have great rates until you file a claim, then they non-renew your policy or spike your premium. We track that. We know which companies stand by their customers and which ones don’t.
Your rates are climbing because insurance companies are paying out more in claims across the board—and they’re adjusting everyone’s premiums to cover those costs. In Arizona, auto insurance rates jumped 22% in 2024, driven by rising vehicle repair costs, more expensive medical claims, and increased accident frequency as the state’s population grows.
Even if your driving record is spotless, you’re sharing risk with everyone else in your insurance pool. When claims costs go up statewide, carriers raise rates to stay profitable. That’s how the model works.
The frustrating part is that your loyalty doesn’t shield you from these increases. In fact, long-term customers often pay more than new customers because carriers offer aggressive discounts to attract new business, then gradually raise rates on existing policyholders. Shopping your policy every couple of years is the most effective way to avoid overpaying.
When you go directly to GEICO or Progressive Insurance, you’re only seeing one company’s rates and coverage options. That’s fine if they happen to offer the best deal for your situation—but you won’t know unless you compare.
An independent agent like us represents 40+ carriers, including GEICO, Progressive, USAA, Travelers, Nationwide, and many others. We can quote multiple companies at once and show you the differences in price and coverage side by side. If one carrier raises your rates next year, we can move you to a better option without starting from scratch.
You’re also getting a local contact who answers the phone and knows Arizona’s insurance landscape. When you call GEICO’s 1-800 number, you’re talking to someone in a call center who’s handling hundreds of policies across the country. When you call us, you’re talking to someone who understands San Tan Valley, knows which carriers handle claims well, and can adjust your policy when your life changes.
Nothing. You don’t pay extra to work with an independent agent. We’re compensated directly by the insurance carriers we represent, so our service costs you the same as going directly to the company—sometimes less, because we know which carriers offer the best rates for your profile.
There are no agency fees, no hidden charges, and no markup on your premium. The price you see is the price the insurance company charges. The difference is that you’re getting access to multiple companies and ongoing support without paying more for it.
We also handle policy changes, cancellations, and claims questions at no additional cost. If you need to add a driver, update your address, or file a claim, you call us—not a 1-800 number. That’s part of the service, and it’s included.
We cancel it for you. When you switch carriers, we coordinate the cancellation with your old insurance company to make sure there’s no gap in coverage and no overlap that costs you extra money.
You’ll want to avoid canceling your old policy before your new one starts—that can trigger a lapse in coverage, which raises your rates with the new carrier. We time everything so your new policy begins the same day your old one ends. You stay continuously covered, and you’re not paying for two policies at once.
If you’ve prepaid your premium, your old carrier will refund the unused portion. That refund usually arrives within a few weeks. We’ll walk you through what to expect and make sure you’re not left waiting or wondering what happens next.
Cheap car insurance is worth it if you’re getting the coverage you need at a lower price. It’s not worth it if you’re cutting liability limits, raising deductibles to levels you can’t afford, or dropping uninsured motorist protection to save $20 a month.
The goal isn’t to find the absolute cheapest policy—it’s to find the best value. That means adequate liability coverage to protect your assets if you cause an accident, comprehensive and collision coverage if your vehicle is worth protecting, and uninsured motorist coverage because 12% of Arizona drivers don’t carry insurance.
When we shop your policy, we’re comparing apples to apples. Same coverage limits, same deductibles, different carriers. If one company charges significantly less, we’ll tell you why—and whether that’s a smart trade-off or a risk you shouldn’t take. Some carriers offer lower rates because they’re more efficient. Others offer lower rates because they’re selective about who they insure and non-renew policies aggressively after claims.
Yes. About 12% of Arizona drivers are uninsured, which means roughly one in eight vehicles on the road has no insurance to cover the damage if they hit you. If you’re in an accident caused by an uninsured driver, your own uninsured motorist coverage pays for your medical bills, lost wages, and vehicle repairs.
Without it, you’re either paying out of pocket or trying to collect from someone who likely doesn’t have the money to pay you. Most uninsured drivers aren’t skipping coverage because they’re irresponsible—they’re skipping it because they can’t afford it. That means suing them won’t get you anywhere.
Uninsured motorist coverage is relatively inexpensive compared to the financial risk it protects you from. In Arizona, where uninsured rates are higher than the national average, it’s one of the most important coverages you can carry. We include it in every quote we run unless you specifically ask us not to.
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