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Most Arizona drivers who don’t compare insurance companies overpay between $1,000 and $2,000 every year. If you’ve been with the same carrier for years, there’s a good chance you’re one of them.
Here’s what changes when you let us shop your policy. You get access to over 40 carriers—including Progressive, Geico, USAA, AAA, and Direct Auto—all at once. We compare your current coverage against what’s actually available in Anthem, and we show you where you’re overpaying or underinsured.
You’re not stuck with one company’s rates or their idea of what you need. You see real options, real numbers, and real coverage differences. Then you decide. No pressure, no games, just clarity on what you’re actually buying and what it should cost.
We’re a family-owned independent insurance agency based in Mesa, serving Anthem and the entire Phoenix metro. We’ve been helping Arizona residents navigate their insurance options for decades, and we’ve built our reputation on being the kind of agency that actually picks up the phone.
We’re not tied to one insurance company. We represent over 100 carriers, which means we work for you, not them. When rates spike or coverage gets dropped—and it’s happening more in Arizona than almost anywhere else—we have options. That’s the difference between working with an independent agent and being stuck with a captive agent who can only sell you what their company offers.
You’ll work with real people in a real office. We’re here when your policy renews, when your rates jump, when you file a claim, and when life changes and your coverage needs to change with it.
First, we talk. You tell us what you’re currently paying, what coverage you have, and what’s frustrating you about it. Maybe your rates doubled. Maybe you filed a claim and got dropped. Maybe you just have no idea if you’re getting a fair deal.
Then we shop. We run your information through our network of 40+ top-rated insurance companies—Progressive, Geico, USAA, AAA, Direct Auto, and dozens more. We’re looking for better rates, better coverage, or both. This takes us minutes. It would take you days.
Finally, we show you what we found. We walk through your options, explain what’s different, and help you decide. If you switch, we handle the cancellation of your old policy. If you don’t, that’s fine too. You’ll at least know where you stand. There’s no cost for our time, and you pay the same price you’d pay going direct to the insurance company.
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When we shop insurance companies for you, we’re comparing auto insurance, homeowners insurance, and often bundling both to save you more. Arizona has seen some of the sharpest insurance rate increases in the country—homeowners insurance is up over 60% in the last five years, and auto insurance isn’t far behind.
That’s why access to multiple carriers matters. One company might have great rates on car insurance but terrible homeowners pricing. Another might offer cheap car insurance but exclude coverage you actually need in Anthem, like protection against monsoon damage or wildfire risk in nearby areas.
We also look at companies like USAA if you’re military or former military, since their rates and service are hard to beat for eligible members. We’ll check Progressive, Geico, AAA, and Direct Auto Insurance Company alongside regional carriers that specialize in Arizona risks. The goal isn’t just cheap car insurance—it’s the right coverage at a price that makes sense for what you’re getting. You shouldn’t have to choose between affordability and protection, and in most cases, you don’t have to.
Arizona homeowners have seen the highest insurance rate increases in the nation over the past five years—up more than 60%. Auto insurance has spiked too, with some drivers seeing 30% to 50% jumps in a single year.
There are a few reasons. Arizona has been hit by eight extreme weather events since 2019 that each caused over a billion dollars in damage, according to NOAA. That includes wildfires, haboobs, severe storms, and flooding. Insurance companies are paying out more in claims, and they’re passing those costs to you.
On top of that, some national carriers like Progressive Insurance and Geico are tightening underwriting or pulling back in areas they consider high-risk. That leaves fewer options for homeowners and drivers, which means less competition and higher prices. The companies that are still writing policies know they can charge more. If you haven’t shopped your insurance in the last two years, you’re almost certainly overpaying. That’s not an exaggeration—it’s just how the market is moving right now.
A captive agent works for one insurance company. If you call a Geico agent, they sell Geico. If you call a Progressive insurance agent, they sell Progressive. That’s it. If their company’s rates go up or they stop offering the coverage you need, you’re out of options with that agent.
An independent insurance agency like us works with over 100 insurance companies. We’re not employed by any of them. That means we can shop your policy across dozens of carriers—USAA, AAA, Direct Auto, Geico, Progressive, and many others—and show you who has the best rate and coverage for your situation.
If your rate spikes with one carrier, we move you to another. If you need a specific type of coverage one company doesn’t offer, we find one that does. You get options, and we get to actually help you instead of just selling you what we’re told to sell. It’s a better setup for you, and it’s why independent agents are growing while captive agents are losing market share.
Nothing. You pay the same price whether you buy directly from the insurance company or through us. The carrier pays us a commission, but that commission is already built into the price of the policy. It doesn’t get added on when you use an agent.
Here’s what you get for that same price: someone who shops multiple companies for you, explains what you’re actually buying, handles your paperwork, cancels your old policy if you switch, and stays available when you need to file a claim or adjust your coverage.
If you go direct to one company’s website, you’re on your own. You fill out the forms, you compare nothing, and you hope you got it right. If something goes wrong, you’re calling a 1-800 number. With us, you call a local office in Arizona and talk to the same people who helped you set up the policy. That’s the difference, and it costs you nothing extra.
Sometimes, yes. Sometimes, no. It depends on your driving record, your car, where you live in Anthem, and what coverage you need. Geico and Progressive Insurance are big players with competitive rates for a lot of drivers, but they’re not always the cheapest, and cheap isn’t always better.
What we do is show you how Geico and Progressive compare to 40+ other options, including USAA car insurance if you’re eligible, AAA insurance, Direct Auto Insurance, and regional carriers that specialize in Arizona drivers. A lot of times, we find you a better rate with equal or better coverage. Other times, Geico or Progressive is the best option, and we tell you that.
The bigger issue is this: the cheapest car insurance isn’t worth much if it doesn’t cover what you need or if the company denies your claim. We’ve seen it happen. We make sure you’re comparing the same coverage across companies, so you know exactly what you’re getting. If saving $200 a year means losing $50,000 in liability protection, that’s not a deal. We walk you through that.
First, don’t panic. It’s happening more often in Arizona, especially with homeowners insurance, but you have options. Insurance companies can choose not to renew your policy, and many are doing exactly that after claims—even legitimate ones.
Call us as soon as you get the non-renewal notice. We’ll shop your situation across our network of carriers and find you coverage before your current policy ends. Some companies specialize in insuring people who’ve been dropped or who have claims history. The rates might be higher than what you were paying, but we’ll find you the best option available and work to get your rates back down once you’ve rebuilt your claims-free history.
The worst thing you can do is let your coverage lapse. If you go without insurance, even for a day, it gets much harder and more expensive to get covered again. Arizona law requires auto insurance, and your mortgage company requires homeowners insurance. We’ll make sure you stay covered and help you understand why you were dropped and what you can do to avoid it in the future.
You don’t have to, but you should—especially right now. Forty-one percent of insured households shopped their auto insurance at least once in 2023, and that number is even higher in Arizona because rates are climbing faster here than almost anywhere else in the country.
Insurance companies raise rates at different times and by different amounts. The carrier that gave you the best rate three years ago might be one of the most expensive today. They’re counting on you not shopping around, and statistically, most people don’t. That’s why drivers who stay with the same company for years without comparing options overpay by $1,000 to $2,000 annually, and sometimes much more.
You don’t have to do the shopping yourself. That’s what we’re here for. We can review your policy every year at renewal, show you if there’s a better option, and switch you over if it makes sense. It takes you one phone call. If your rate is still competitive, we’ll tell you that too. But in this market, it’s worth checking. Arizona insurance rates aren’t stabilizing anytime soon.
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