We get the same questions all the time. Here are honest answers without the insurance jargon.
Nothing. We are paid by the insurance carriers as a commission when you purchase a policy. You never pay us a fee and our advice costs you zero dollars. Our goal is to earn your business and your referrals by doing right by you, every time.
A captive agent works for one company and can only sell you their products. We work for you. As an independent broker we compare dozens of top-rated carriers and find the one that gives you the best coverage at the best price for your specific situation. No bias, just the right fit.
Usually within one business hour after we receive your information. For more complex situations like commercial insurance or bundled policies it may take a bit longer, but we will always keep you in the loop on timing and never leave you wondering where things stand.
We work with over 30 top-rated carriers, including some of the biggest names in the industry as well as regional companies that often beat the big ones on price. Because we are not tied to any one carrier we can always shop for your best option, not the one that pays us the most commission.
Switching itself does not cause your rate to go up. Rates are based on your driving record, claims history, location, and other factors that follow you from carrier to carrier. Sometimes switching actually lowers your rate significantly, which is exactly why we shop the market instead of just renewing with whoever you have now.
Call us and we will walk you through the process step by step. We help make sure you have the right documentation, explain what to expect from the carrier, and advocate on your behalf if anything gets complicated. You are not on your own when things go wrong. That is the whole point of having a broker.
We serve all of Arizona. Our office is in Chandler but we work with clients across the entire state. If you are in Phoenix, Tucson, Flagstaff, Scottsdale, Mesa, or anywhere in between, we can help you find the right coverage. Everything can be handled over the phone or email if coming in is not convenient.
A deductible is the amount you pay out of pocket before your insurance kicks in. If your car needs two thousand dollars in repairs and you have a five hundred dollar deductible, you pay five hundred and your insurance covers the rest. Choosing the right deductible is about balancing your monthly premium against what you can comfortably afford to pay if something happens.
At least once a year, and any time your life changes significantly. Getting married, buying a home, having a child, starting a business, or buying a new vehicle are all good reasons to take a fresh look at your coverage. We reach out around renewal time to make sure everything still makes sense for where you are right now.
Absolutely. We work with small businesses, contractors, retail shops, professional services firms, and more. Whether you need general liability, commercial auto, workers comp, or a business owners policy, we will find the right coverage and explain what it all means in terms that actually make sense for your operation.
Still have a question? Just ask.