Hear from Our Customers
Most people in Avondale call their current carrier, get quoted a number that makes them wince, and either pay it or spend hours calling around. Progressive insurance quotes you one rate. GEICO car insurance gives you another. USAA insurance might not even be available if you’re not military-affiliated.
Here’s what changes when you work with an independent agency. You make one call. We run your information through 40+ top-rated carriers—including Progressive, GEICO, AAA insurance, Direct Auto Insurance, and dozens more you’ve probably never heard of but should know about. You get real options, real numbers, and a real comparison.
The difference between the highest and lowest quote for the same driver in Arizona can be $800 or more per year. That’s not a small gap. You’re either leaving money on the table or you’re overpaying because you didn’t know there was a better option sitting two carriers over.
Premier Choice Insurance is a family-owned independent agency based in Mesa, serving Avondale and the entire Phoenix metro. We’ve been here long enough to watch Arizona’s insurance market go from stable to chaotic. We’ve seen State Farm stop writing new policies. We’ve watched premiums jump 50% in a single year for homeowners who did nothing wrong.
We’re not a call center. We’re not offshore. You call us, you get a real person in our Mesa office who knows what’s happening in Arizona right now—wildfire risk zones, monsoon damage trends, and which carriers are actually writing new policies in Avondale this month.
We represent over 100 insurance companies. That’s not a marketing line—it’s how we do business. When one carrier won’t touch you, we’ve got 99 others to try.
You reach out—phone, email, or through our site. We ask you the basics: what you’re insuring, what you’re paying now, what happened if you filed a claim recently. This takes about 10 minutes.
Then we go to work. We’re quoting your profile across our network of carriers—Progressive Insurance Company, Direct Auto Insurance Company, AAA, USAA car insurance if you qualify, and plenty of regional carriers that don’t spend millions on TV ads but offer killer rates. We’re looking for the best combination of price and coverage, not just the cheapest car insurance with holes in it.
You get a comparison. We walk you through what each policy actually covers, where the gaps are, and what the trade-offs look like if you adjust your deductible or liability limits. You pick the one that makes sense. We handle the paperwork, bind the policy, and cancel your old one at no cost to you.
If your situation changes—you buy a house, add a driver, get a speeding ticket—you call us. We re-shop it. That’s the difference between working with an independent agent and being stuck with one carrier’s price.
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You’re getting access to 40+ auto insurance carriers and 100+ total insurance companies across all lines. That includes the names you know—Progressive insurance, GEICO, USAA, AAA insurance, Direct Auto—and the ones you don’t but should.
You’re getting a local agent who understands Avondale. We know that wildfire risk isn’t just a mountain problem anymore—it’s affecting homeowners insurance rates across the West Valley. We know that monsoon season means hail damage and water intrusion claims. We know that Arizona’s median home insurance premium jumped over 60% since 2019, and that some families in Avondale are being quoted $3,000+ annually for coverage that used to cost $1,200.
You’re also getting ongoing support. Life changes. Your insurance should change with it. We re-shop your policies when it makes sense, not just at renewal. If you have a claim, you’re calling us—not an 800 number where you’re customer #47 in the queue.
And you’re getting this at no cost. We’re paid by the insurance companies we represent, not by you. Our job is to find you the right coverage, not upsell you on stuff you don’t need.
Arizona auto insurance premiums increased 20.6% in 2024—the kind of jump we haven’t seen in nearly 50 years. Phoenix-area households are paying about $226 more per year than the national average for car insurance. Avondale sits right in that zone.
A few things are driving it. Repair costs are up—parts, labor, technology in newer vehicles. Claims frequency is up. And insurers are recalibrating their risk models after a rough couple of years.
But here’s what matters to you: rates vary wildly between carriers. One company might see Avondale as high-risk and price you out. Another might have better loss experience in your zip code and quote you 30% less. That’s why shopping around isn’t optional anymore—it’s the only way to avoid overpaying.
Yes, but your current carrier might not be the one offering it. A lot of people get hit with a massive rate increase after filing a claim—even if it wasn’t their fault. Some get non-renewed entirely.
That doesn’t mean every insurance company will treat you the same way. Some carriers weigh claims more heavily than others. Some have accident forgiveness programs. Some focus more on your overall driving record than one incident.
This is where having access to 40+ carriers makes a real difference. If Progressive insurance or GEICO car insurance spikes your rate after a claim, we can move you to a carrier that’s more forgiving. We’ve done it hundreds of times. Your job is to tell us what happened. Our job is to find the company that won’t punish you for it.
When you go direct to GEICO or Progressive insurance, you get one quote from one company. If that rate is high, your only option is to call another company and start over. You’re doing all the legwork.
When you work with us, you’re getting quotes from GEICO, Progressive, USAA insurance (if eligible), AAA insurance, Direct Auto Insurance, and 35+ other carriers in one conversation. We’re doing the shopping for you.
The other difference: we’re not loyal to any one carrier. GEICO’s agent works for GEICO. Progressive’s agent works for Progressive. We work for you. If your rate goes up at renewal, we’re already shopping you to other companies before you even ask. That’s the value of an independent agency—you get options, and you get someone in your corner who’s actually incentivized to find you a better deal.
Nothing. You don’t pay us a dime. We’re compensated by the insurance companies we represent, and that commission is already baked into the premium whether you use an agent or not.
So if you buy a policy directly from Progressive insurance company’s website, Progressive is still paying a commission—they’re just keeping it internal. If you buy that same Progressive policy through us, we get the commission, and you get the service and support that comes with it.
There’s no markup. There’s no fee. You’re paying the same rate either way. The difference is that we’re quoting you across 40+ carriers instead of just one, and we’re here when you need to file a claim or make a change. That’s free value you’re leaving on the table if you go direct.
You’re not alone. We’ve worked with people in Avondale who’ve been turned down by 10, 15, even 20+ carriers before they found us. Arizona’s insurance market is tight right now—especially for homeowners, but auto insurance has its challenges too.
Some carriers have stopped writing new business entirely. Others have tightened their underwriting guidelines and are rejecting applicants they would’ve accepted two years ago. If you’ve had a lapse in coverage, a few claims, or a rough driving record, it gets even harder.
This is exactly why we represent over 100 insurance companies. When the big-name carriers say no, we’ve got regional and specialty carriers that are still writing policies. Some focus on high-risk drivers. Some specialize in non-standard auto. We know which ones are actually approving applications right now and which ones are just wasting your time. You’ve been rejected before—we get it. Let us try the carriers you don’t even know exist yet.
We offer both, and honestly, homeowners in Avondale need us right now more than ever. Arizona home insurance rates surged 11.4% in 2024—the fourth-biggest increase in the country. Some families are seeing 50% to 100% annual increases, and others are being non-renewed outright due to wildfire risk.
More than 15% of properties in Maricopa County are at risk of higher premiums or policy cancellations because of wildfire exposure. That includes parts of Avondale. Carriers like State Farm have stopped taking new homeowners applications in Arizona entirely.
We’re still writing home insurance in Avondale because we have access to carriers that are still active in the market. We can also bundle your home and auto insurance to save you money and simplify your coverage. If you’ve been dropped, if your rate doubled, or if you’re just tired of feeling like you’re one claim away from being canceled—call us. We’ll find you a carrier that’ll actually cover your home without gouging you.
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