Hear from Our Customers
Your premium just went up 50%. Maybe more. You filed one claim and suddenly your loyalty means nothing.
That’s not you failing. That’s the market right now. Arizona saw a 22% average rate increase in 2024 alone, and Tempe drivers are paying around $163 a month for full coverage—$11 more than the rest of Arizona. Population growth, heavier traffic on the 101 and 202, and rising accident rates are pushing premiums higher across the board.
Here’s what most people don’t know: 77% of drivers only shop one or two insurance companies. That means they’re comparing a rate hike from Progressive against maybe one GEICO quote and calling it done. The problem? You’re leaving $1,000 to $2,000 on the table every year because you didn’t see what USAA, AAA, Travelers, or 35 other carriers would offer for the exact same coverage.
We quote you through 40+ top-rated auto insurance companies using identical coverage specs. Same liability limits. Same deductibles. Same uninsured motorist protection. You’re not comparing apples to oranges—you’re actually seeing which carrier gives you the best price for the protection you need in Tempe.
We’re a family-owned independent agency based in Mesa, serving Tempe and the entire Valley. That means we don’t answer to one carrier. We represent you.
When you call, you talk to someone local who picks up the phone—not an offshore call center. We’ve been doing this for decades, and we’ve built our reputation on 930+ five-star Google reviews, an A+ BBB rating, and recognition as Agents of the Year in 2023. We’re not the biggest agency in Arizona. We’re just the one that shows up when your rate jumps or your claim gets messy.
Tempe’s density—almost 173,000 people packed into one of Arizona’s smallest city footprints—means more traffic, more accidents, and higher premiums. We get it. We live here. And we know which carriers actually price fairly for drivers in this zip code.
First, we ask about your current coverage and what happened. Did your rate spike after a claim? Did your carrier drop you? Are you shopping because your renewal notice made your stomach drop? We need to know where you’re starting so we can show you what’s possible.
Next, we run your information through 40+ carriers—Progressive, GEICO, USAA, State Farm, AAA, Travelers, and dozens more. We’re not just pulling quotes. We’re building identical coverage packages across every carrier so you can compare real numbers. Same liability. Same uninsured motorist protection. Same deductibles. You’ll see exactly what each company charges for the same protection.
Then we walk you through the options. We’ll show you where you save money and where you might be underinsured. If your current policy has gaps—like low uninsured motorist limits in a state where 12% of drivers have no insurance—we’ll tell you. If you’re overpaying for coverage you don’t need, we’ll tell you that too.
Once you pick a carrier, we handle the switch. We’ll even cancel your old policy for you. No paperwork runaround. And when life changes—you buy a new car, move, add a driver—you call us. Not a 1-800 number.
Ready to get started?
Tempe isn’t just another Arizona city when it comes to car insurance. You’re paying about $11 more per month than drivers in Gilbert or Chandler, and it’s not random.
Tempe is the most densely populated city in Arizona. That means more cars on the road, more congestion on the 60 and 101, and statistically more accidents. Insurance companies price that risk into your premium. Add in Arizona’s 22% rate increase trend through 2024, inflation driving up repair costs, and carriers losing money on claims, and you’re looking at a market where everyone’s rates are climbing—but Tempe’s are climbing faster.
Your rate also reflects your claims history. Every claim you file gets reported to a national database. When you shop for new coverage, every carrier sees it. That’s why filing even one claim can trigger a 20% to 50% increase—or higher. It’s not about you being a bad driver. It’s about how the industry prices risk now.
Uninsured motorist coverage matters more here than people realize. About 12% of Arizona drivers have no insurance. If one of them hits you, your UM coverage is what pays for your car and your medical bills. A lot of people carry the state minimum—$15,000—and find out the hard way that it’s not enough when someone totals their car and drives off.
We help you figure out what coverage actually makes sense for your situation in Tempe. Not what’s cheapest. Not what some algorithm recommends. What actually protects you if something goes wrong.
Your rate can jump even if you haven’t filed a claim in years, and it’s happening to drivers across Arizona right now. Insurance companies are raising rates across the board because they’re losing money. Repair costs are up due to inflation. Medical costs are up. And the number of accidents is climbing as Arizona’s population grows and roads get more congested.
In Tempe specifically, you’re seeing higher premiums because of population density. More cars in a smaller area means more accidents, and carriers price that into everyone’s premium—not just people who’ve filed claims. Arizona saw a 22% average rate increase in 2024, and experts say increases of 20% to 50% are common right now, even for drivers with clean records.
If your rate jumped and you haven’t shopped around, you’re likely overpaying. Most people stay with the same carrier out of habit, but that loyalty isn’t saving you money anymore. Comparing quotes from multiple carriers is the only way to know if you’re getting a fair rate or just absorbing your current company’s losses.
When you call Progressive or GEICO directly, you get one quote from one company. If their rate is high, your only option is to call another carrier and start over. You’re doing all the work, and you’re still only seeing a fraction of what’s available.
An independent agency like ours represents 40+ insurance companies. That means we can quote you through Progressive, GEICO, USAA, State Farm, AAA, Travelers, and dozens of other carriers in one conversation. We’re not trying to sell you on one company’s rate—we’re showing you what everyone charges for the same coverage so you can make an actual comparison.
Here’s the part most people don’t realize: we build those quotes using identical coverage. Same liability limits. Same deductibles. Same uninsured motorist protection. You’re comparing apples to apples, not guessing whether one company’s “full coverage” is the same as another’s. And our service costs you nothing. We get paid by the carrier you choose, so there’s no fee for shopping around.
Tempe drivers pay about $163 a month for full coverage, which is roughly $11 more per month than the Arizona state average of $120. That’s about $132 more per year just for living in Tempe instead of a less dense city like Gilbert or Queen Creek.
The reason comes down to population density and traffic patterns. Tempe is the most densely populated city in Arizona, with nearly 173,000 people packed into a relatively small area. That creates heavy congestion on the 60, 101, and 202, and more traffic means more accidents. Insurance companies price that risk into your premium, so even if you’re a safe driver, you’re paying for the statistical likelihood of claims in your zip code.
Rates are also climbing statewide. Arizona saw a 22% average increase in 2024, and premiums are expected to keep rising as repair costs, medical expenses, and accident rates go up. The difference is that Tempe drivers are starting from a higher baseline, so those percentage increases hit harder. Shopping multiple carriers is the only way to offset that trend and avoid overpaying.
No. Shopping for car insurance does not hurt your credit, and your current carrier won’t know you’re looking around unless you tell them. Insurance quotes are considered “soft inquiries,” which means they don’t affect your credit score the way applying for a loan or credit card does.
Your current company also can’t raise your rate just because you’re shopping. They can raise it at renewal based on claims, changes in risk, or market conditions—but that’s happening whether you shop or not. In fact, not shopping is usually what costs you money. Drivers who don’t compare rates overpay by an average of $1,000 to $2,000 per year because they assume their current carrier is still competitive.
Right now, shopping rates are at the highest level in nearly two decades. That’s because people are getting hit with massive renewal increases and realizing they need to look around. If your rate went up and you haven’t shopped in the last year, you’re probably leaving money on the table. We can run quotes through 40+ carriers without affecting your credit or tipping off your current company.
If an uninsured driver hits you in Tempe, your uninsured motorist (UM) coverage is what pays for your car repairs, medical bills, and lost wages. Arizona law requires all drivers to carry insurance, but about 12% of drivers on the road don’t. That’s roughly one in eight cars. If one of them causes an accident, they’re not paying for anything—you are, unless you have UM coverage.
A lot of people carry the state minimum UM limit, which is $15,000 per person. That might sound like enough until you’re sitting in a body shop looking at a $12,000 repair bill and a medical bill for another $8,000. Your UM coverage caps out at $15,000 total, so you’re covering the rest out of pocket. And if the other driver has no assets, you can’t sue them for the difference. You’re just stuck.
We usually recommend UM limits that match your liability limits—at least $100,000 per person and $300,000 per accident. It doesn’t cost much to increase, and it’s the difference between being made whole after an accident and draining your savings to cover someone else’s mistake. Tempe’s traffic density makes this coverage even more important. The more cars on the road, the higher the chance you’ll eventually cross paths with someone who’s uninsured.
Yes. You can switch car insurance anytime, even in the middle of your policy term. You’re not locked in. If you find a better rate or better coverage elsewhere, you can cancel your current policy and start a new one the same day.
Most people worry about cancellation fees, but Arizona law limits what companies can charge. If you cancel mid-term, your current carrier will refund the unused portion of your premium, minus any fees. In most cases, the savings from switching to a cheaper carrier far outweigh any small cancellation fee. We’ll walk you through the math before you make the switch so there are no surprises.
We also handle the cancellation for you. Once you pick a new carrier and your new policy is active, we’ll contact your old company and cancel the policy. You don’t have to make the awkward phone call or deal with retention reps trying to talk you out of it. We make the switch simple, and you start saving immediately. If your rate just jumped or your renewal notice shocked you, don’t wait until your policy ends. Shop now and switch as soon as you find something better.
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