Hear from Our Customers
Your current insurance company raised your rates again. Or maybe they dropped you after you filed a claim. Either way, you’re here because something changed and you need options fast.
Here’s what happens when you work with an independent agency instead of being stuck with one carrier. You get access to over 100 insurance companies—Progressive, GEICO, USAA, AAA, and dozens more—without making a dozen phone calls. One conversation, multiple quotes, real comparisons.
You’re not starting from scratch. You’re getting someone who knows Arizona’s insurance market, understands why Wickenburg homeowners are seeing wildfire-related policy changes, and can explain what coverage you actually need versus what you’re paying for. No call center scripts. No runaround. Just real answers about car insurance, home insurance, and how to stop overpaying for coverage that doesn’t fit.
We operate out of Arizona with real people in the office who answer the phone. We’re not a call center in another state reading from a script. We’re a family-owned agency that’s been helping Arizona residents navigate insurance changes, rate increases, and coverage gaps for years.
We’ve earned over 930 five-star Google reviews and recognition as Agents of the Year in 2023 because we do what most insurance companies won’t: we listen first, then find coverage that fits. Whether you’re in Wickenburg dealing with a sudden premium hike or you just want to know if you’re paying too much for car insurance, you’ll talk to someone who knows the local market and has access to 40+ top-rated auto insurance carriers.
You’re not locked into one company’s rates or policies. That’s the difference between working with an independent agent and being stuck with whoever sold you a policy fifteen years ago.
First, you reach out—by phone, online, or in person. You tell us what’s going on: rate increase, policy cancellation, coverage question, or you just want to see if there’s a better deal out there. We ask a few questions about your current coverage, what you’re paying, and what you actually need to protect.
Then we shop your policy across our network of over 100 insurance carriers. That includes the names you know—Progressive Insurance, GEICO car insurance, USAA insurance, Direct Auto Insurance, AAA insurance—and plenty of companies you’ve probably never heard of but might offer better rates or coverage for your situation. We’re looking at cheap car insurance options if that’s your priority, but we’re also making sure you’re not giving up coverage you’ll regret losing later.
Finally, we show you the options side by side. You see what each company offers, what it costs, and what changes from your current policy. If you decide to switch, we handle the paperwork and even cancel your old policy for you at no cost. If you don’t want to switch, that’s fine too. No pressure, no games.
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You get access to over 100 insurance companies without making a hundred phone calls. That means quotes from Progressive Insurance Company, Direct Auto Insurance Company, USAA car insurance, and dozens of other carriers that might offer better rates or coverage than what you have now.
You also get a real policy review. We look at what you currently have, compare it to what’s available, and point out gaps you might not know about. In Wickenburg, that often means making sure your home insurance actually covers wildfire risk or that your auto insurance includes uninsured motorist coverage—because 11.9% of Arizona drivers don’t carry insurance at all.
There’s no cost for our services. You’re not paying extra to work with an independent agency. The insurance companies pay us, which means you get expert guidance and ongoing support without adding to your bill. If your situation changes—you buy a new car, move, add a driver—we adjust your coverage. If you have a claim, we’re here to help you through it.
And if you decide to switch, we cancel your old policy for free. You don’t have to make that awkward phone call or deal with the hassle. We handle it.
Arizona car insurance rates jumped 20.6% in 2024, and they’re expected to climb another 22% by the end of the year. That’s the biggest increase in nearly 50 years. The reasons are a mix of inflation, higher repair costs, more expensive medical claims, and an increase in uninsured drivers on the road.
If your rate went up 50% or more when you renewed, that’s not unusual right now—but it also doesn’t mean you’re stuck with it. Different insurance companies are pricing risk differently, which is why the same driver can get quotes that vary by hundreds of dollars. Progressive insurance might be cheaper for one person while GEICO car insurance or USAA insurance offers a better rate for someone else.
The key is comparing options. If you’ve been with the same company for years and just accepted the increase, you’re probably overpaying. Consumers who switch save a median of $461 annually, and right now is one of the best times to shop because the rate differences between carriers are wider than usual.
When you work directly with Progressive Insurance Company or GEICO, you’re only seeing their rates and their coverage options. If their price goes up or they decide to drop your policy, you start over with a new company from scratch. When you work with an independent agent, you’re comparing multiple insurance companies at once—including Progressive, GEICO, USAA, AAA insurance, Direct Auto, and dozens of others.
That means if one carrier raises your rates, we can move you to a different company without you having to do the legwork. You’re not starting a new relationship every time you switch. You’re working with the same agent who already knows your situation and can find you a better deal in minutes.
It also means you’re getting unbiased advice. We’re not trying to sell you one company’s products. We’re showing you what actually fits your needs and budget, whether that’s cheap car insurance to meet state minimums or comprehensive coverage with higher limits. You make the call. We just give you the options and explain what you’re looking at.
Cheap car insurance sounds great until you file a claim and realize you don’t have enough coverage to replace your car or cover someone else’s medical bills. The “right” coverage depends on what you’re protecting and what you can afford to lose.
If you own your home in Wickenburg, you need enough homeowners insurance to rebuild if something happens—and right now, that means making sure wildfire risk is covered, because several major carriers have stopped writing new policies or dropped existing ones due to fire exposure. If you’re financing a car, your lender requires certain coverage levels. If you’re driving a paid-off older vehicle, you might skip collision and comprehensive to save money.
Here’s what we do: we look at your assets, your risk, and your budget, then show you what different coverage levels cost. You’ll see the difference between state minimum liability and higher limits. You’ll understand what uninsured motorist coverage does and why it matters in Arizona, where over 10% of drivers have no insurance. Then you decide what makes sense. We’re not here to upsell you on coverage you don’t need, but we will tell you when you’re underinsured and why that’s a problem.
People who switch insurance companies save a median of $461 per year. That’s not a best-case scenario—that’s the middle of the range. Some save more, some save less, but the majority of people who shop around pay less than they were paying before.
The reason switching works is that insurance companies price risk differently and they adjust their rates at different times. One company might see you as high-risk based on your ZIP code, while another focuses more on your driving record. USAA car insurance might offer military members better rates, while AAA insurance gives discounts for bundling. Direct Auto Insurance Company might be cheaper for drivers with less-than-perfect credit in Arizona.
Right now, with rates climbing across the board, the gaps between carriers are bigger than usual. If you haven’t shopped your policy in the last two years, you’re almost certainly overpaying. And if your current company just raised your rate significantly, that’s the perfect time to compare—because their competitors are actively trying to win your business. We can show you what’s available in about 15 minutes. If there’s no savings, you’ll know. If there is, you’ll wish you’d called sooner.
You file the claim with whatever insurance company is covering you at the time of the incident. If you switch from Progressive insurance to GEICO car insurance and then get in an accident, you call GEICO. The process is the same as it would be if you’d been with them for years.
Where working with an independent agent makes a difference is that we’re still here after you switch. If you have questions about the claims process, if the insurance company is dragging their feet, or if you’re not sure you’re getting a fair settlement, you call us. We can’t file the claim for you, but we can walk you through what to expect, help you understand what your policy covers, and advocate on your behalf if something’s not right.
A lot of people worry that switching companies means losing their relationship with their agent, but that’s only true if your agent works for one specific company. We work for you. Whether you’re with USAA insurance, Direct Auto, or any of the other 100+ carriers we represent, you’re still our client. Your point of contact doesn’t change just because your insurance company does.
No. You pay the same price whether you buy directly from Progressive Insurance Company or through an independent agent who sells Progressive. The insurance company pays us a commission either way, so there’s no extra cost to you for using an agent.
What you get by working with us is access to more options and someone who’s actually on your side when things go wrong. If you buy direct auto insurance online, you’re on your own if you have questions or problems. If you work with us, you have someone to call who already knows your situation and can help you figure out what to do next.
You also save time. Instead of going to Progressive’s website, then GEICO’s, then USAA’s, then AAA insurance, then Direct Auto Insurance Company, and filling out the same information six times, you give us your details once and we show you quotes from all of them. That’s worth something, even if it doesn’t show up as a line item on your bill.
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