Hear from Our Customers
Your rate just went up 20%, maybe more. You didn’t change anything—same car, same address, same clean record. But your bill looks completely different, and when you called to ask why, you got a scripted answer and zero help.
That’s not how this works anymore. When you compare auto insurance companies in Tucson, AZ through an independent agency, you’re not stuck with one carrier’s take-it-or-leave-it pricing. You get access to over 100 carriers, which means real options and real competition for your business.
Here’s what changes: you stop wondering if you’re overpaying. You get coverage that actually fits your situation—your cars, your drivers, your budget. And when your life changes or rates jump again, you’ve got someone local who picks up the phone and finds you a better option before you even have to ask.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping Tucson drivers navigate rate increases, coverage gaps, and frustrating policy changes for years—not because we’re trying to be heroes, but because someone needs to actually answer the phone.
We’re not Progressive, GEICO, State Farm, or USAA. We work with all of them, plus about 96 other carriers. That’s the difference. When your rate goes up with one company, we don’t shrug and tell you that’s just how it is. We shop your policy across dozens of options and find you something better.
Tucson drivers deal with specific risks—monsoon season, dust storms, high summer temps that wreck car interiors, and an increasing number of uninsured drivers on the road. You need coverage that accounts for that reality, not a one-size-fits-all policy from a call center in another state.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s frustrating you about your current situation. This takes about 10 minutes, and you can do it over the phone or in person.
Then we shop. We run your information through our network of over 100 carriers—including the big names like Progressive Insurance, GEICO car insurance, AAA insurance, USAA car insurance, and Direct Auto Insurance, plus dozens of regional carriers you’ve probably never heard of. We’re looking for the best combination of coverage and price for your specific situation.
You review your options. We don’t just send you a quote and disappear. We walk you through what each policy actually covers, where the gaps are, and what you’re paying for. You decide what makes sense.
If you want to switch, we handle the cancellation of your old policy at no cost. You don’t have to call your old company, argue about timing, or worry about overlapping coverage. We take care of it, and you move forward with better coverage and a better rate.
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When you’re comparing auto insurance companies in Tucson, AZ, you’re not just comparing price. You’re comparing how much you’ll actually get paid if your car gets totaled in a dust storm on I-10. You’re comparing whether your policy covers a cracked windshield from rock chips, which happens constantly here. You’re comparing what happens when an uninsured driver hits you in a parking lot and drives off.
Cheap car insurance sounds great until you file a claim and find out your policy doesn’t cover half of what you thought it did. The goal isn’t to find the absolute lowest price—it’s to find the best value. That means adequate liability coverage (because Arizona’s minimum requirements are dangerously low), comprehensive coverage for weather-related damage, and uninsured motorist protection.
Tucson’s auto insurance rates have climbed significantly over the past few years, just like everywhere else in Arizona. Carriers like Progressive Insurance Company, GEICO, Direct Auto Insurance Company, and others have all raised rates to keep up with increased claim costs and more expensive vehicle repairs. That’s not changing anytime soon.
But here’s what does change: how much access you have to alternatives. When you work with an independent agency instead of going direct to one carrier, you’re not stuck with whatever rate they decide to charge you. If USAA insurance raises your rate by 25%, we find you a comparable policy with another carrier. If AAA insurance drops your discount, we move you somewhere better. You’re not locked in, and you’re not starting from scratch every time.
Your rate went up because insurance companies are raising rates across the board, not just for people who file claims. Auto insurance premiums in Arizona increased over 60% from 2015 to 2022, and 2024 saw another 22% jump on average. Carriers are dealing with higher repair costs, more expensive medical claims, and increased vehicle theft rates—and they’re passing those costs to everyone.
Even if you have a clean driving record and haven’t filed a claim in years, your rate can still increase significantly. Insurance companies adjust pricing based on their overall claims experience and projected costs, not just your individual history. That’s why loyalty doesn’t protect you from rate hikes anymore.
The frustrating part is that your rate can vary wildly between carriers, even with identical coverage. One company might raise your rate by 30% while another keeps you flat or even lowers it. That’s why shopping your policy across multiple auto insurance companies in Tucson, AZ is the only way to know if you’re overpaying.
When you go direct to GEICO car insurance or Progressive insurance, you get one quote from one company. If their rate is high or their coverage doesn’t fit your situation, your only option is to start over with another carrier and go through the whole process again.
When you work with an independent insurance agency, you get quotes from dozens of carriers at once—including GEICO, Progressive, USAA car insurance, AAA insurance, Direct Auto, and many others. We’re not tied to any single company, so we’re not trying to force you into a policy that doesn’t make sense just to hit a sales quota.
The other major difference is what happens after you buy. If you go direct and your rate increases next year, you have to shop around on your own all over again. When you work with us, we proactively monitor your policy and reach out when we find you a better option. You’re not on your own every time your rate changes or your coverage needs shift.
Arizona’s minimum liability requirements are 25/50/15—$25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. That’s not nearly enough. If you cause a serious accident, you could be personally liable for everything above those limits, which can easily run into six figures.
Most drivers in Tucson should carry at least 100/300/100 in liability coverage, plus comprehensive and collision if your vehicle is worth protecting. Uninsured motorist coverage is critical here because a significant percentage of Arizona drivers don’t carry insurance at all, and if one of them hits you, you’re stuck with the bill unless you have UM coverage.
You also want to think about Tucson-specific risks. Monsoon season brings flash flooding, dust storms, and debris on the roads. Comprehensive coverage protects you if your car gets damaged by weather, falling objects, or theft. If you’re financing or leasing your vehicle, your lender will require comp and collision anyway—but even if you own your car outright, it’s worth considering if you can’t afford to replace it out of pocket.
Yes. You can switch auto insurance companies anytime, and you’re not penalized for canceling mid-term. If you’ve already paid for six months and you cancel after three, you’ll get a prorated refund for the unused portion.
The key is making sure there’s no gap in coverage. Arizona requires continuous insurance, and if you let your policy lapse—even for a day—you could face fines, license suspension, and higher rates when you reinstate coverage. When you switch through us, we coordinate the timing so your new policy starts the same day your old one ends. No gaps, no stress.
A lot of people stay with expensive policies because they think switching is complicated or they’ll lose some kind of loyalty discount. The reality is that loyalty discounts rarely make up for the rate increases you’re absorbing by staying put. If you’re overpaying by $600 a year and your loyalty discount saves you $50, you’re still losing $550.
If an uninsured driver hits you and you don’t have uninsured motorist (UM) coverage, you’re stuck paying for your own repairs and medical bills. You can try to sue the other driver, but if they don’t have insurance, they probably don’t have assets worth going after either. You’ll spend money on legal fees and likely recover nothing.
Uninsured motorist coverage protects you in this exact scenario. It pays for your medical expenses, lost wages, and vehicle damage when the at-fault driver has no insurance or not enough insurance to cover your losses. In Arizona, where uninsured driver rates are higher than the national average, UM coverage isn’t optional—it’s essential.
This is one of the gaps we see all the time when people come to us after getting hit by an uninsured driver. They assumed their policy covered them, but it didn’t, and now they’re facing thousands in out-of-pocket costs. When we review your policy, we make sure you’re actually protected for the risks you’re most likely to face on Tucson roads.
We get paid a commission directly from the insurance carrier when you buy a policy, similar to how a direct agent at State Farm or AAA insurance gets paid. The difference is that our commission comes from whichever carrier you choose, not just one company. You pay the same rate whether you buy directly from the carrier or through us—there’s no markup or agency fee added to your premium.
The advantage for you is that we’re incentivized to keep you happy and keep your business long-term, not just make a one-time sale. If we put you in a bad policy or you have a terrible claims experience, you’ll leave and we lose that ongoing commission. That’s why we focus on finding you the right coverage with a carrier that actually handles claims well, not just the cheapest option that’ll screw you over later.
This model also means we can be honest about which carriers to avoid. We’re not tied to one company’s reputation or trying to defend their rate increases. If USAA car insurance or Direct Auto Insurance Company raises your rate unfairly, we’ll tell you and move you somewhere better. Our job is to work for you, not for the carrier.
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