Hear from Our Customers
Your rate just jumped 50%. Or your company dropped you after one claim. Or you’ve been with the same carrier for 15 years and realized you’re paying way more than you should.
Here’s what happens when you work with an independent agency instead of calling insurance companies one by one. You get access to over 40 top-rated carriers through a single conversation. We’re talking Progressive insurance company, GEICO, USAA insurance, AAA, Direct Auto insurance company, and plenty of others you won’t find by Googling “cheap car insurance near me.”
We run your information through our network. You see real quotes, side by side. No sales pitch about why one company is better—just the numbers, the coverage, and what you’re actually getting for your money.
And if your situation changes six months from now? You’re not starting over. You’ve got someone local who already knows your file and can adjust things without putting you on hold for 45 minutes.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been doing this long enough to know what happens when Tucson residents get blindsided by rate hikes, nonrenewals, or coverage gaps they didn’t know existed.
We represent over 100 insurance carriers. That means we’re not tied to one company’s rates or underwriting rules. When State Farm stops writing new policies or Nationwide pulls out of certain zip codes, we’ve still got options.
Our team is local, licensed, and available when you call. Not a call center in another state. Not an automated system that makes you repeat your policy number three times. Just real people in an office who pick up the phone and know the Tucson market.
We’ve earned over 930 five-star reviews on Google because we do what we say we’re going to do. We also handle the cancellation of your old policy when you switch, so you’re not dealing with that hassle on top of everything else.
First, you reach out. Phone, email, website—whatever works. We ask some basic questions about what you’re insuring, your coverage history, and any claims or gaps. This takes maybe 10 minutes.
Then we shop your profile across our carrier network. We’re pulling quotes from Progressive insurance, GEICO car insurance, USAA car insurance, Direct Auto, AAA insurance, and others that fit your situation. Some carriers are pickier about credit. Some won’t touch homes in certain wildfire zones. Some offer better rates for bundling. We know who’s who.
You get a breakdown of your options. We walk through what each policy actually covers, where the gaps are, and what the price difference really means. If you’ve been with the same company forever, this is usually eye-opening.
You pick what makes sense. We handle the paperwork, the effective dates, and the cancellation of your old policy. You’re covered, and you’re not paying for two policies at once.
If something changes later—you buy a new car, move, add a driver—you call us. We adjust it. No starting from scratch with a 1-800 number that doesn’t know who you are.
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Tucson’s insurance market has gotten messy. Arizona saw a 70% jump in home insurance rates over six years—fourth-worst in the country. Auto insurance went up over 20% in 2024 alone. That’s not normal inflation. That’s carriers pulling back, tightening underwriting, and passing risk onto customers.
If you’re shopping for cheap car insurance, you’ll find plenty of online quotes. But here’s the catch: the lowest price doesn’t mean much if the company denies your claim or drops you after the first fender bender. Arizona’s claim denial rate is 21%, higher than the national average. You want a carrier that actually pays when you need them.
We work with carriers that write policies in Tucson and understand the local risks. Monsoon damage. Hail. Wildfire exposure in the foothills. These aren’t hypotheticals—they’re real factors that affect your rates and your coverage.
When you work with us, you’re comparing policies that actually cover what matters. We’re not just handing you the cheapest quote from a direct auto insurance company and calling it a day. We’re making sure your liability limits make sense, your deductibles are manageable, and your coverage doesn’t evaporate the second you file a claim.
Calling Progressive insurance, GEICO, USAA, and AAA one by one takes hours. You’re repeating the same information, waiting on hold, and comparing quotes that arrive in different formats with different coverage levels. It’s a mess.
An independent agency does that work for you. We pull quotes from 40+ carriers in one shot. You see everything side by side, apples to apples. We’re not paid more to sell you one company over another, so there’s no incentive to steer you wrong.
And here’s the bigger reason: when your rate jumps next year or you need to file a claim, you’ve got someone who already knows your situation. You’re not calling a 1-800 number and explaining everything from scratch to someone reading a script. You call us. We handle it.
It depends on your profile, but it’s not unusual to save $500 to $1,200 a year by switching carriers. Sometimes more if you’ve been with the same company for a decade and they’ve been quietly raising your rate every renewal.
Here’s why the savings add up. Insurance companies price risk differently. GEICO might love your driving record but hate your credit. Progressive insurance company might offer a great rate if you bundle home and auto. USAA insurance has unbeatable rates if you’re military, but you can’t get it otherwise. Direct auto insurance might be cheaper for high-risk drivers.
We know which carriers are competitive for your specific situation. That’s the advantage of working with someone who sees hundreds of policies a year in Tucson. We’re not guessing. We know where to find you the best rate without sacrificing coverage.
Cheap car insurance usually means state minimum liability limits, high deductibles, and a carrier that’s quick to drop you after a claim. You’re legal to drive, but you’re not really protected.
Good car insurance means your liability limits are high enough to protect your assets if you cause a serious accident. It means your deductibles are manageable, not $2,500 that you don’t have sitting around. And it means you’re with a carrier that has a track record of paying claims without a fight.
Arizona’s claim denial rate is 21%. Some carriers are worse than others. We steer you toward companies that actually pay when you need them. The goal isn’t just to find you the lowest price—it’s to find you the best value. Sometimes that’s the cheapest option. Sometimes it’s worth paying $30 more a month to be with a carrier that won’t screw you over when it counts.
Yes. We represent Progressive insurance, GEICO, AAA insurance, and many others. USAA is a little different—they only work with military members and their families, and they typically sell direct. But if you qualify for USAA, we can help you compare their rates against other options to make sure you’re getting the best deal.
We also work with carriers you might not have heard of but that often beat the big names on price and service. Direct auto insurance company, for example, specializes in high-risk drivers and can be a great option if you’ve had a DUI or multiple accidents. Other regional carriers offer better rates for Tucson-specific risks like monsoon damage or wildfire exposure.
The point is, you’re not limited to the companies with the biggest ad budgets. You get access to the whole market, and we help you figure out which one actually makes sense for your situation.
You call us, and we find you a new policy. It’s not fun, but it’s fixable. Arizona has seen a wave of nonrenewals and rate hikes over the past few years. State Farm stopped writing new homeowners policies. Nationwide dropped thousands of customers. It’s not personal—it’s carriers pulling back from risk.
When this happens, you need options fast. We can usually place you with a new carrier within a few days. Some companies specialize in customers who’ve been dropped or have claims history. The rate might be higher than what you were paying before, but it won’t be as bad as scrambling last-minute and taking whatever you can find.
And if your rate goes up at renewal but you haven’t been dropped, we re-shop your policy. Maybe another carrier is now more competitive. Maybe your situation has changed and you qualify for discounts you didn’t before. Either way, you’re not stuck. We check every year to make sure you’re still getting a fair deal.
No. There’s no cost for our services. We get paid a commission by the insurance carrier when you buy a policy, but that commission is already baked into the premium. You pay the same rate whether you buy directly from Progressive insurance company or through us.
The difference is, when you work with us, you’re comparing 40+ carriers instead of one. You’re getting advice from someone who knows the Tucson market and sees how these companies actually treat customers. And you’ve got ongoing support if something changes.
We also handle the cancellation of your old policy when you switch, so you’re not paying for overlapping coverage or dealing with that hassle yourself. It’s all included. No fees, no surprises, no fine print.
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