Hear from Our Customers
You’ve been with the same company for years. Then your rate jumps after one claim, or you find out your coverage doesn’t actually cover what you thought it did. That’s not loyalty—that’s being stuck.
When you work with us in St. Johns, AZ, you’re not limited to one company’s rates or rules. We compare quotes from over 40 carriers—including names like Progressive Insurance, GEICO car insurance, USAA car insurance, AAA insurance, and Direct Auto Insurance—so you see what’s actually available. Not just what one company wants to sell you.
You get options. Real ones. And if your situation changes down the road—new car, new driver, rate hike—we re-shop it. You’re not starting over with strangers every time.
We’re a family-owned independent agency based in Mesa, serving drivers across Arizona—including St. Johns. We’ve been doing this for decades, and we’re still here because we do things differently.
You call us, you talk to a real person in Arizona. Not a script reader in another state. We represent over 40 top-rated auto insurance companies, which means we work for you—not for one carrier trying to hit a sales quota.
St. Johns drivers deal with rural roads, wildlife crossings, and long commutes. We get it. And we know which carriers handle claims fairly when those situations actually happen.
First, we ask about your current policy—what you’re paying, what you’re covered for, and what’s changed since you first signed up. Most people don’t realize how much their needs have shifted.
Then we run your information through our network of carriers. That includes the big names—Progressive Insurance Company, GEICO, USAA Insurance, Direct Auto, AAA—and regional companies that often beat them on price or coverage. We’re looking for the best fit, not just the cheapest car insurance.
Once we’ve got your options, we walk through them with you. What each policy actually covers, where the gaps are, and what you’d pay. No jargon, no upselling. If bundling your home and auto saves you money, we’ll show you that too. Then you decide. We handle the paperwork, and if you want, we’ll even cancel your old policy for you.
Ready to get started?
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 enough if you hit someone driving a new truck.
Most drivers in St. Johns carry more than the minimum, and for good reason. Uninsured motorist coverage protects you when the other driver doesn’t have insurance. Comprehensive and collision cover your own vehicle—whether it’s a deer strike on Highway 180 or hail damage during monsoon season.
If you’re financing a car, your lender requires full coverage. But even if you own it outright, you’re taking a risk going bare-bones. We help you figure out what makes sense based on your vehicle’s value, your savings, and how much risk you’re comfortable with. Some of our clients in St. Johns also add roadside assistance—worth it when you’re 30 miles from the nearest tow truck.
It depends on your driving record, the car you drive, your coverage limits, and which auto insurance companies you’re comparing. St. Johns drivers typically pay less than urban areas like Phoenix or Tucson because there’s less traffic and fewer accidents. But rates still vary widely between carriers.
That’s why shopping multiple companies matters. One carrier might quote you $150 a month while another offers the same coverage for $95. We’ve seen it happen dozens of times. Progressive Insurance might beat GEICO for one driver, then USAA car insurance comes in lower for someone else.
If you’re looking for cheap car insurance, start by comparing quotes from at least three carriers. Raise your deductible if you can afford it, ask about discounts for bundling or safe driving, and don’t assume your current company is giving you the best rate just because you’ve been with them for years.
A captive agent works for one insurance company—like a State Farm agent or an Allstate agent. They can only sell you that company’s policies. If their rates go up or their coverage doesn’t fit, you’re out of options.
We work with over 40 auto insurance companies. We’re not tied to one carrier, so we can shop around on your behalf. If Progressive Insurance has the best rate this year but GEICO or Direct Auto Insurance beats them next year, we can move your policy without you having to start over somewhere new.
You also get one point of contact for everything. Instead of calling USAA for your car insurance and AAA insurance for your home policy, you call us. We handle it all, and if you ever need to file a claim, we’re here to walk you through it—not transfer you to a 1-800 number.
You can switch anytime. You’re not locked in. If you find a better rate or better coverage with another carrier, you can cancel your current policy and start a new one the same day.
Most people switch when their policy is up for renewal because it’s cleaner—no refunds to wait for, no overlap. But if your rate just jumped or you’re unhappy with how a claim was handled, don’t wait. We’ll help you find a new policy, coordinate the start date, and cancel the old one if you want. Some companies charge a small cancellation fee, but it’s usually worth it if you’re saving $50+ a month.
One thing to avoid: letting your old policy cancel before the new one starts. Even a one-day gap in coverage can raise your rates later. We make sure there’s no lapse when we move you from one carrier to another.
Because they see you as a higher risk. Fair or not, that’s how it works. File a claim—even if the accident wasn’t your fault—and many carriers will raise your rate at renewal. Some raise it a little, others raise it a lot.
This is where working with us helps. If your current carrier hikes your rate after a claim, we can shop you to other auto insurance companies that might not penalize you as much. USAA Insurance and AAA Insurance, for example, tend to be more forgiving with long-term customers. GEICO car insurance and Progressive Insurance Company vary depending on your overall record.
The frustrating part is that you don’t always know how much your rate will go up until renewal. That’s why we recommend reviewing your policy every year, especially after any claims. If the increase is steep, we’ll find you a better option before you’re stuck paying it for the next 12 months.
Start with coverage, not price. The cheapest car insurance isn’t a deal if it doesn’t actually cover you when something happens. Make sure you’re comparing the same limits and deductibles across quotes—otherwise you’re not comparing apples to apples.
Next, look at how each company handles claims. You can find the cheapest rate in the world, but if the carrier fights you on every claim or takes months to pay out, you’ll regret it. We steer clients toward companies with solid claims reputations, and we’re here to help if issues come up.
Finally, think about how you want to interact with your insurance. Some people love managing everything through an app with companies like GEICO or Progressive Insurance. Others want to talk to a real person when they have questions. With us, you get both—access to top carriers and a local contact who knows your name and your policy.
Not legally, but it depends on what you can afford to lose. If your car is worth $3,000 and you have $3,000 in savings, you could skip comprehensive and collision and just carry liability. If it gets totaled, you replace it out of pocket.
But if your car is worth $15,000 and you don’t have that sitting around, full coverage makes sense. Comprehensive covers things like theft, vandalism, hail, and hitting a deer—common issues in rural Arizona. Collision covers accidents, whether it’s your fault or not.
Here’s the math we walk clients through: if your car is worth $8,000 and full coverage costs $600 more per year than liability-only, you’d need to go 13 years without a total loss to break even. Most people don’t. We help you figure out what makes sense based on your car’s value, your budget, and how much risk you’re comfortable taking on yourself.
Local Resources
Useful Links
Other Services we provide in St. Johns
