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Arizona drivers saw premiums jump over 20% in 2024—the steepest increase in nearly fifty years. If your rate climbed without explanation, you’re not imagining it. That’s the reality across the board, from Progressive Insurance to Geico car insurance to smaller regional carriers.
Here’s what most people don’t realize: the company you’ve been loyal to for fifteen years isn’t necessarily giving you their best rate anymore. Rates vary by hundreds of dollars between carriers for the exact same coverage. You could be with USAA insurance, AAA insurance, or Direct Auto insurance and still be overpaying simply because you haven’t compared lately.
When you work with an independent agency in Youngtown, AZ, you’re not locked into one company’s pricing. You get access to over forty top-rated carriers. That means real competition for your business. It means your agent can move your policy if your rate spikes unfairly. And it means you’re not stuck calling an 800 number when something goes wrong.
Premier Choice Insurance is a family-owned independent agency based right here in Arizona. We’ve been helping drivers across the state since 2015, and we’ve built our reputation on something simple: answering the phone and doing what we say we’ll do.
We’re not captive to one carrier. We represent over 100 insurance companies, which means we can shop your policy across dozens of options—including Progressive, Geico, USAA, AAA, Direct Auto, and regional carriers you’ve probably never heard of but might save you serious money. Our job is to find the best fit for your situation, not to upsell you on coverage you don’t need.
Youngtown drivers deal with the same challenges as the rest of Maricopa County: high uninsured motorist rates, summer monsoons, and an insurance market that’s gotten more expensive and less forgiving. We get it. That’s why over 930 customers have left us five-star reviews—because when your rate jumps or your claim gets denied, we’re the ones who pick up the phone and go to bat for you.
First, we talk. You tell us what you’re currently paying, what coverage you have, and whether you’ve had any claims or tickets. This takes about ten minutes. We’re not running your credit or pulling your driving record yet—we’re just getting a clear picture of where you stand.
Next, we shop. We run your information through our network of forty-plus carriers to see who’s competitive right now. Some companies love clean records. Others are better if you’ve had a claim. A few specialize in high-risk drivers or people rebuilding after a lapse. We know who’s who, and we know how to position your profile to get the best rate.
Then we explain your options. We’ll show you quotes side-by-side, break down what’s covered and what’s not, and make sure you’re not buying coverage you already have through another policy. If you want cheap car insurance, we’ll find it—but we’ll also tell you if going bare-bones leaves you exposed. If you want maximum protection, we’ll build that too. Once you pick a policy, we handle the paperwork, cancel your old coverage, and make sure there’s no gap.
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When you get your auto insurance through us, you’re not just buying a policy. You’re getting a local team that stays with you after the sale. That means when your teenager gets their license, we adjust your coverage. When you buy a new car, we make sure it’s protected before you drive off the lot. When your rate goes up at renewal, we shop it again—without you having to ask.
Arizona is expected to see rates climb another 22% by the end of the year. Youngtown drivers aren’t immune. The combination of more accidents, higher repair costs, and increasing uninsured motorists has pushed premiums up across every major carrier. Progressive Insurance, Geico, USAA, AAA—they’ve all raised rates. That’s not going away.
What you can control is whether you’re getting the best rate available right now. Most people don’t realize that switching carriers every few years is one of the smartest financial moves you can make. Loyalty doesn’t pay in this industry. New customers get better rates than long-term policyholders. We help you take advantage of that without the hassle of calling six different companies yourself.
We also handle the stuff nobody likes: filing claims, dealing with adjusters, canceling old policies. If you’ve been with the same company for years and you’re nervous about switching, we make it easy. You don’t pay us a dime—we get paid by the carrier you choose, so our service costs you nothing.
Arizona saw a 20.6% increase in auto insurance premiums in 2024—the largest spike in nearly fifty years. By the end of the year, the average annual premium is expected to hit $2,195, up from $2,026. That’s not a billing error. It’s a market-wide correction.
Several factors are driving this. First, car repairs cost more. Vehicles have more technology, more sensors, more cameras—all of which are expensive to fix after even minor accidents. Second, medical costs are up. If someone gets hurt in an accident, the bills are higher than they were five years ago. Third, Arizona has one of the highest rates of uninsured drivers in the country. When an uninsured driver hits you, your insurance often has to cover it, and that risk gets priced into everyone’s premiums.
This isn’t unique to one company. Whether you’re with Progressive Insurance, Geico car insurance, USAA insurance, or a smaller carrier, everyone’s raising rates. The difference is how much and how often. That’s why shopping your policy every year or two has become essential. You might find that the company that gave you a great rate three years ago is now one of the most expensive options.
When you go direct to a company like Geico, Progressive, or Direct Auto insurance, you’re only seeing that one company’s rates. Their job is to sell you their policy. If their rate goes up next year, your only option is to pay it or start the shopping process all over again with a different company.
When you work with an independent agent, you’re seeing rates from dozens of companies at once. We represent over forty carriers, so we can compare Progressive insurance, AAA insurance, USAA car insurance, and thirty-seven others in one conversation. If your rate spikes at renewal, we can move your policy to a different carrier without you lifting a finger.
The other big difference is service. If you buy direct and need to file a claim, you’re calling a 1-800 number and talking to whoever picks up. If you work with us, you call your agent—someone who knows your name, knows your policy, and can advocate for you if the claim gets messy. Our service doesn’t cost you anything extra. We get paid by the insurance company you choose, so there’s no fee to use an agent. You’re just getting more options and better support for the same price.
It depends on your situation, but it’s not uncommon to save $300 to $800 a year by switching carriers. Sometimes more. The reason is simple: insurance companies price risk differently. One company might see your age and zip code as high-risk and charge you accordingly. Another company might weigh those factors differently and offer you a much lower rate for identical coverage.
This is especially true if you’ve been with the same company for a long time. Loyalty doesn’t pay in the insurance industry. Most carriers offer their best rates to new customers, then gradually increase premiums on existing policyholders. You might not notice a $20 increase here and a $30 increase there, but over five years, you could be paying significantly more than someone who just signed up last month.
That’s where an independent agency makes a difference. We can show you what you’re paying now, what you’d pay with five or six other companies, and whether switching makes sense. Sometimes the savings are huge. Sometimes your current rate is competitive and it makes sense to stay put. Either way, you know where you stand. And if your rate jumps next year, we’re already positioned to move your policy without you having to start from scratch.
Not if it’s done right. When you switch carriers, the new policy should start the same day the old one ends—or even overlap by a day to be safe. There should never be a gap in coverage. A gap can lead to penalties, higher rates, or even a suspended license in Arizona.
We handle the timing for you. Once you choose a new carrier, we set the effective date, confirm the old policy is canceled, and make sure everything transitions smoothly. You don’t have to call your old company or worry about getting double-billed. We take care of the cancellation and confirm you’re covered continuously.
As far as coverage goes, you’re in control. If you want the exact same coverage you had before, we match it. If you want to adjust your limits, add roadside assistance, or drop coverage on an older car, we can do that too. The point is that switching carriers doesn’t mean starting over or losing benefits. You’re just moving your business to a company that’s offering you a better rate or better service. Your coverage stays intact—or gets better—depending on what you choose.
Price matters, but it’s not the only thing. The cheapest car insurance isn’t always the best deal if the company has a reputation for denying claims or taking forever to pay out. You want a company that’s financially stable, responsive when you need them, and fair when it’s time to file a claim.
Start by comparing the same coverage limits across companies. If one quote is way cheaper, check whether they’re offering lower liability limits or higher deductibles. You might be comparing apples to oranges. Make sure you’re looking at identical coverage so you know the price difference is real.
Next, consider the company’s reputation. Some carriers are known for great customer service. Others are notorious for fighting claims. An independent agent can tell you which companies are easy to work with and which ones create headaches. We’ve seen it all, and we’re not shy about steering you away from a company that’s going to make your life difficult. Finally, think about your situation. If you have a teen driver, some companies specialize in that. If you’ve had a claim or a ticket, others are more forgiving. The “best” company depends on your profile. That’s why having access to forty-plus options matters—you’re not stuck with one company’s underwriting rules.
Arizona requires $25,000 per person and $50,000 per accident in bodily injury liability, plus $15,000 in property damage coverage. That’s the legal minimum, but it’s not enough to protect you in most real-world accidents. If you cause a serious crash and someone’s medical bills hit $100,000, you’re personally on the hook for the difference.
Minimum coverage also doesn’t include collision or comprehensive, which means if your car gets totaled, you’re paying to replace it out of pocket. It doesn’t cover uninsured motorists, which is a problem in Arizona where a significant percentage of drivers have no insurance at all. And it doesn’t cover your own medical bills if you get hurt.
Most people should carry at least $100,000/$300,000 in liability coverage, plus uninsured motorist protection and collision/comprehensive if their car is worth protecting. The difference in cost between minimum coverage and a solid policy is usually $30 to $60 a month—worth it when you consider what you’re protecting. We’re not here to oversell you, but we will tell you when minimum coverage leaves you exposed. If you’re okay with that risk, fine. But most people aren’t once they understand what they’re actually covered for.
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