Hear from Our Customers
You’re not stuck with whatever Progressive insurance or GEICO car insurance quotes you online. You get to see what 100+ carriers will actually charge you—including USAA insurance if you’re military, AAA insurance if you’re a member, and dozens of regional carriers most people never hear about.
That matters in Phoenix, AZ right now. Home insurance rates have climbed 70% over six years here. Auto insurance is up 22% in 2024 alone. Some longtime Arizona residents are getting non-renewal notices with 30 days to find new coverage. Others are discovering their home is insured for half what it’s worth.
When you work with us, you’re not calling five different companies and repeating your information five times. You share your situation once. We run it through our carrier network. You see who wants your business and at what price. Then you decide.
Premier Choice Insurance is family-owned and based in Mesa. We’ve watched what’s happened across the Phoenix metro as national carriers have tightened underwriting, raised rates, and non-renewed thousands of Arizona policyholders. That’s exactly why independent agencies matter more now than they did five years ago.
We represent over 100 insurance companies. That includes the names you know—Progressive insurance company, direct auto insurance carriers, and others—but also regional and specialty insurers that don’t advertise during football games. When one company won’t write you, or quotes you double what you’re paying now, we have 99 other options to try.
You’ll work with real people in Arizona. Not a call center. Not an offshore team. Just local agents who understand what’s happening in this market and how to navigate it.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s changed—whether that’s a rate increase, a non-renewal notice, or just a nagging feeling you’re overpaying. This conversation takes 10 minutes, and it happens over the phone or in person at our Mesa office.
Then we shop your profile across our carrier network. We’re looking at cheap car insurance options if you need state minimums. We’re checking USAA car insurance if you qualify. We’re running quotes through direct auto insurance companies and traditional carriers. The goal is to show you 3-5 real options with real prices, not ballpark estimates.
After that, you pick what makes sense. We explain the differences—coverage limits, deductibles, company reputation, claims process. If you want to switch, we handle the paperwork and cancel your old policy for free. If your situation changes six months later, you call us and we adjust your coverage. That’s the relationship.
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We write auto insurance through 40+ top-rated carriers. That includes Progressive insurance, GEICO, direct auto, AAA insurance, USAA insurance for military families, and three dozen others. If you’ve been quoted $2,600 for full coverage in Phoenix and you’re wondering if that’s fair, we’ll show you what else is out there.
Homeowners insurance is trickier right now. Arizona saw an 11.4% rate jump in 2024—fourth-highest in the country. Some carriers have stopped writing new policies here entirely. Others have raised rates so high that people are considering selling their homes. We work with insurers who are still actively writing in Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Glendale, and across Maricopa County. We also help you understand your actual replacement cost, because a $280,000 policy on a $550,000 home isn’t going to cut it.
We also handle commercial insurance for Arizona businesses, life insurance, and specialty coverage. The process is the same: tell us what you need, we find who will cover it and at what cost, you decide if it’s worth switching.
Arizona auto insurance rates jumped 22% in 2024, and the average full coverage policy now costs around $2,644 per year. That’s well above the national average. The reasons are straightforward: more accidents, higher repair costs, and increased medical expenses after crashes.
Phoenix metro traffic has gotten worse as the population grows. More cars on the road means more claims. At the same time, vehicles are more expensive to fix—modern cars have sensors, cameras, and technology that cost more to repair or replace than older models. Insurers are paying out more per claim, so they’re charging more in premiums.
If your rate went up but your driving record is clean, it’s not personal. It’s market-wide. That said, not every insurance company is raising rates at the same pace. That’s why shopping around matters. One carrier might hit you with a 30% increase while another raises you 8%. We help you find who’s pricing you fairly right now.
First, don’t panic—but do act fast. Arizona law only requires insurers to give you 30 days notice before non-renewal. That’s not much time, but it’s enough if you start immediately.
Call us as soon as you get that notice. We’ll ask why you’re being non-renewed—sometimes it’s claims history, sometimes it’s the age of your roof, sometimes it’s just that the carrier is pulling back from Arizona entirely. Knowing the reason helps us find a replacement faster. If it’s a roof issue, we’ll look for carriers with more flexible underwriting. If it’s claims, we’ll focus on companies that don’t penalize you as harshly.
You will likely pay more with a new carrier than you were paying before. That’s the reality right now in Arizona. But we can still show you the best available options and help you avoid coverage gaps. Going even one day without homeowners insurance can cause problems with your mortgage lender, so timing matters. We’ll make sure your new policy starts the day your old one ends.
Nothing. You don’t pay us. The insurance company pays us a commission when you buy a policy, the same way they’d pay their own captive agent or their online sales team. Your rate is the same whether you buy directly from Progressive insurance company or through us.
The difference is that we’re not limited to one company’s rates. A State Farm agent can only sell you State Farm. A GEICO agent can only sell you GEICO. We can sell you either of those, or 98 other options. You get more choices at the same price.
We also don’t charge fees for ongoing service. If you need to add a car, file a claim, adjust your coverage, or cancel your policy, that’s all included. Some people think independent agencies are more expensive because we offer more service, but that’s not how it works. We make the same commission whether we spend five minutes or five hours helping you. We just choose to actually help.
USAA is different—they only work directly with military members, veterans, and their families. If you’re eligible for USAA insurance or USAA car insurance, you’ll need to get quotes straight from them. That said, we can still compare what they offer against our other carriers to make sure you’re getting the best deal. A lot of people assume USAA is always cheapest for military families, but that’s not always true, especially in Arizona’s current market.
AAA insurance is available through us. If you’re an AAA member, we can quote their auto and home policies alongside everyone else. AAA tends to be competitive for drivers with good records, but again, it depends on your specific situation. We’ve seen cases where AAA beats everyone by $400 a year, and cases where they’re $600 higher than the next option.
The point is, we’re not trying to steer you toward one company. If USAA or AAA ends up being your best option, we’ll tell you. If someone else is better, we’ll show you that too. You’re not locked into anything just because you asked for a quote.
Direct auto insurance companies—like GEICO, Progressive, or others you see advertised constantly—want you to buy online or over the phone straight from them. There’s nothing wrong with that model. It works for a lot of people, especially if your situation is simple and you know exactly what coverage you need.
The downside is that you’re only seeing one company’s rates. If GEICO quotes you $2,400 and you don’t shop around, you’ll never know if someone else would’ve charged you $1,800. You also don’t have a local person to call when something changes. You’ll talk to a different representative every time, and they’re usually reading from a script.
When you work with us, you get quotes from direct auto insurance carriers and traditional insurers at the same time. You see the whole market, not just one slice of it. And when you need help later—adding a teen driver, filing a claim, figuring out why your rate went up—you call the same local agent who set up your policy. We already know your situation. We’re not starting from scratch every time.
If you’re paying more than $2,600 a year for full coverage in Phoenix, AZ, you’re above the current average. If you’re paying over $3,000, you’re almost certainly overpaying unless you have a rough driving record or you’re insuring an expensive vehicle. For minimum coverage, anything over $850 a year is high.
But averages don’t tell the whole story. Your rate depends on your age, your car, your zip code, your credit, and your claims history. A 25-year-old in Scottsdale with a speeding ticket will pay more than a 50-year-old in Surprise with a clean record. That’s just how it works.
The only way to know for sure if you’re overpaying is to compare. Get quotes from at least three insurance companies—that’s what industry experts recommend. We can do that for you in one conversation instead of you spending an afternoon filling out forms on five different websites. If your current rate is competitive, we’ll tell you. If we find you something better, you’ll have options. Either way, you’ll know where you stand.
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