Hear from Our Customers
Here’s what happens when you’re not locked into one insurance company. You get quotes from multiple carriers at once—Progressive, GEICO, USAA, AAA, and dozens more—without filling out the same form over and over.
You see the actual difference between what you’re paying now and what you could be paying. Not estimates. Real numbers from real carriers who want your business.
And when rates jump next year—because they will—you’re not stuck. You call us, we re-shop it, and you decide if there’s a better option. That’s what access to over 40 insurance companies gets you. Leverage.
Premier Choice Insurance is based in Arizona. Our agents live here, work here, and actually pick up the phone when you call. We’ve been helping Arizona residents compare insurance companies and find better coverage since day one—and we’ve built a reputation on it. Over 930 five-star Google reviews. Agents of the Year in 2023. Three Best Rated in Mesa.
We’re not captive to one carrier. We represent over 40 top-rated insurance companies, which means we work for you, not them. When your rate spikes or your policy gets non-renewed, we don’t make excuses—we find you another option.
Yuma’s market is different. With 71% homeownership and an average of two cars per household, most families here are juggling multiple policies. We get it. And we know how to structure coverage that actually makes sense for what you own and what you drive.
First, we ask what you’re currently paying and what coverage you have. Takes a few minutes. You can call, stop by our office, or start online—whatever works.
Then we run your profile through our carrier network. That includes direct auto insurance options, national names like Progressive Insurance Company and USAA car insurance, and regional carriers you won’t find on TV. 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. Real quotes. We walk through what each one covers, where they differ, and what actually matters for your situation. If you’re in Yuma and you’ve got older vehicles, we’re not going to oversell you on collision coverage. If you own a home near the river, we’re talking flood policies.
You decide. If you want to switch, we handle the paperwork and cancel your old policy for free. If you don’t, no pressure. But you’ll know exactly where you stand and what you’re paying for.
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When you’re shopping insurance companies in Yuma, you’re not just comparing price. You’re comparing how they handle claims, whether they’ll drop you after you file one, and if they’ll still cover you when Arizona’s market goes sideways.
Arizona home insurance rates jumped 11.4% in 2024. Auto insurance went up 20.6%—the biggest spike in nearly 50 years. If you’re with one carrier, you eat that increase or you leave. If you’re working with an independent agency like ours, you have options before the renewal notice even arrives.
We write policies across the board. Auto coverage for your daily drivers and your work trucks. Home insurance for your primary residence—Yuma’s median property value is $217,800, and most policies we write reflect actual rebuild costs, not what Zillow says. Business coverage if you’re self-employed or running a local operation. And life insurance when it’s time to think past next year.
You’re also getting access to carriers you can’t reach on your own. USAA if you’re military or former military. Direct auto insurance companies that don’t pay for ads but pass the savings to policyholders. AAA insurance if you want bundling with roadside. It’s all on the table.
Arizona’s seen some of the steepest insurance rate increases in the country. Home insurance rates climbed 11.4% in 2024 alone, and auto insurance jumped 20.6%—the largest spike in nearly 50 years. Over the last six years, Arizona rates have gone up 70%, which ranks fourth-highest nationwide.
A few things are driving it. Increased claims from monsoon damage and wildfires. Higher vehicle repair costs—cars are more expensive to fix now with all the sensors and tech. And inflation hitting everything from building materials to medical costs after accidents.
Carriers are also pulling back. Some are non-renewing policies or limiting new business in Arizona entirely, which shrinks competition and pushes rates higher. If you’ve been with the same insurance company for years and suddenly got hit with a massive increase, that’s why. It’s not just you.
When you go direct to one insurance company—whether that’s GEICO car insurance, Progressive, or anyone else—you get one quote. That’s it. If their rate goes up next year, your option is to accept it or start over somewhere else.
When you work with an independent agency, you’re getting quotes from multiple carriers at once. We represent over 40 insurance companies, so we can compare Progressive insurance, USAA car insurance, AAA insurance, direct auto insurance options, and more in one conversation. You’re not filling out forms on six different websites.
The other big difference: we stick around. If your rate jumps or your policy gets canceled after a claim, you call us and we re-shop it. You’re not starting from scratch with a 1-800 number. You’ve got someone local who already knows your situation and can move fast. That’s the value of independent access.
If you haven’t shopped your rate in the last two years, there’s a good chance you’re overpaying. Carriers raise rates on renewals because most people don’t leave. They’re betting on inertia, and it works.
The easiest way to know is to compare. Get a few quotes from other insurance companies and see where you land. If you’re paying $200 a month and another carrier offers the same coverage for $140, that’s $720 a year you’re leaving on the table.
Also look at your coverage. Are you paying for collision and comprehensive on a 15-year-old car worth $3,000? That might not make sense. Are you carrying the state minimum liability because someone told you it’s cheap? It is—until you cause an accident and you’re personally on the hook for everything over $25,000. We see both extremes all the time. The right coverage isn’t the cheapest or the most expensive. It’s what actually fits your situation.
Yes. You can switch anytime. You’re not locked in just because you renewed.
Most people think they have to wait until their policy ends, but that’s not true. If you find a better rate or better coverage mid-term, you can cancel your current policy and move. Some carriers charge a small cancellation fee—usually $25 to $50—but if you’re saving $60 a month, it pays for itself fast.
We handle the cancellation for you at no cost. You don’t have to call your old carrier or deal with the paperwork. We notify them, confirm the cancellation date, and make sure there’s no gap in coverage. The new policy starts the day the old one ends, so you’re covered the whole time. If you’ve been putting off switching because you thought you were stuck, you’re not.
It happens more than it should. Carriers call it “non-renewal,” and it’s legal in Arizona. You file a claim—sometimes even a small one—and a few months later you get a letter saying they’re not renewing your policy.
If that happens, you need coverage fast. The gap between policies can trigger a lapse, which makes you high-risk in the eyes of other carriers and drives your rate up even more. That’s where working with an independent agency helps. We can quote you with multiple insurance companies immediately, including carriers that specialize in non-standard or post-claim situations.
You’ll probably pay more than you were paying before, at least for a while. But you won’t be uninsured, and you won’t be stuck with whatever overpriced policy you can find in a panic. We’ve handled this exact situation hundreds of times. It’s fixable, but you need someone who can move quickly and knows which carriers will actually write the policy.
Arizona’s minimum liability is $25,000 per person for injuries, $50,000 per accident, and $15,000 for property damage. That sounds like a lot until you’re in an accident.
If you hit someone and they go to the hospital, $25,000 doesn’t cover much. An ambulance ride, ER visit, and a few days of treatment can blow past that. If you’re at fault and the bills exceed your coverage, you’re personally responsible for the rest. They can come after your bank account, your house, your wages.
Same with property damage. You hit a new truck, you’re looking at $40,000+ in repairs or replacement. Your policy covers $15,000. You’re covering the other $25,000 out of pocket.
Minimum coverage is cheap for a reason—it barely protects you. For most people, we recommend at least $100,000/$300,000 liability, plus uninsured motorist coverage. It costs more, but not as much as you’d think. And it’s a lot cheaper than writing a check for someone else’s medical bills because your policy ran out.
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