Stop overpaying for your home and auto insurance
With over 50 insurance carriers, We’ll always find you the best deal, even when renewing!
With access to over 50 insurance carriers, we strive to find you the best deal—even at renewal!
50+
Insurance carriers in our network
15+
Years of experience in insurance
Reshopping
We’ll always looking for the best rate
We’re always searching for the best rate
As an independent insurance agency we’re always looking for the best deal on your insurance. From your first policy to renewals - we'll always strive to find you the best rate from our wide carrier network!
50+
Insurance carriers in our network
15+
Years of experience in insurance
Reshopping
We’ll always be looking for the best rate at each renewal.
We have something for everyone
Life insurance
Make sure you protect your ability to provide for your family if you aren’t around.
Home insurance
As Dorothy so aptly said, “There’s no place like home.”
Auto insurance
Get the Proper Insurance Protection for All Your Vehicles.
Recreational vehicle insurance
Our brokers ride motorcycles, drive boats, ATVs, RVs, and enjoy the great Arizona outdoors, just like you.
Boat insurance
The proper boat insurance policy can be the difference between a minor inconvenience and a major hassle.
Commercial insurance
Any business that employs other people needs to have commercial insurance.
Mexico auto insurance
Be sure to have your insurance before you leave rather than buying at the border.
Personal umbrella insurance
Personal umbrella insurance serves as a safety net.
Didn’t find what you were looking for? Contact us!
We come highly recommended!
Daniel C
"Been working with Patrick for a number of years now, Always goes out of his way to help his clients. I cannot count the number of times he has simply sent me an email or called me about a potential way to save money based on changes within the companies plans. Great overall, Pleasure to work with!"
Patrick M
"Patrick is an extremely dedicated insurance professional and a very caring person. Patrick always puts your needs first, he has consistently provided me with excellent customer service for the past two years. I would not hesitate to recommend Patrick to anyone."
Jason B
"Patrick is a dynamic and passionate professional who genuinely cares about supporting others and our community in any way possible. Patrick is extremely committed to exceeding each client's expectations. There is not enough positive feedback that I can provide regarding Patrick. I feel extremely fortunate to know Patrick and highly recommend working with Patrick."
What are you waiting for? Get insured today!
With options of over 50 different insurance carriers - we’ll give you the best plan for your money
Frequently asked questions
What is insurance, and why is it important
Insurance is a financial arrangement that provides protection against unforeseen events, transferring the risk from an individual to an insurance company. Its importance lies in providing financial security and peace of mind in the face of unexpected circumstances.
What factors do insurance companies use to determine my insurance rates?
Insurance companies use an extensive list of factors to determine your insurance rate. Contrary to popular belief, agents do not directly impact their clients’ insurance rates. Factors such as age, marital status, gender, driving record (claims, accidents and violations), credit, home ownership status, previous insurance limits and address can all influence the rate you receive when shopping for insurance. Many companies’ rate tiers go over 1,000 with very complex calculations. This is why just because your friend or neighbor gets a good rate from one company doesn’t mean you will get the same good rate. A good independent agent can help you shop for the company that is right for you.
Is anyone who drives my car covered?
In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the insurance policy and their spouse if applicable.
There are some exclusions, so you would need to look at your particular insurance policy to make sure. Remember, everyone in your household must be listed on your insurance policy if they have a license. For example, if a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.
How much will my insurance pay if I cause an accident and injure someone?
Your insurance carrier will pay up to the limits stated on your policy. In Arizona, the minimum limits for liability on your auto policy are 25/50/15. This means your policy will only pay $25,000 per person for bodily injury or $50,000 for bodily injury aggregate/total (if more than one person is in the car) for the accident and $15,000 for property damage whether that be the car, house or personal property of another person. As you can imagine $25,000 does not go very far toward bodily injury. An extended hospital visit can easily run to $100,000 in no time. This means your policy would pay only $15,000 if you have state minimum liability and you may be held responsible for the rest if the injured party chooses to take legal action against you. Most insurance companies and professionals recommend a minimum of 100/300/100 for liability. Some companies even give better rates for people who choose that coverage. Your agent can help you determine what is best for you.
What is the difference between ACV (actual cash value) and RC (replacement cost)?
There are several different methods by which your insurance company may calculate the amount it will pay you for a loss. Payment based on the replacement cost of damaged or stolen property is usually the most favorable figure from your point of view because it compensates you for the actual cost of replacing property. If your camera is stolen, a replacement cost policy will reimburse you the full cost of replacing it with a new camera of like kind. The insurer will not take into consideration the fact that you ran three rolls of film through the camera every day for the last two years, causing a considerable amount of wear and tear.
In contrast, actual cash value (ACV), also known as market value, is the standard that insurance companies arguably prefer when reimbursing policyholders for their losses. The actual cash value is equal to the replacement cost minus any depreciation (ACV = replacement cost – depreciation). It represents the dollar amount you could expect to receive for the item if you sold it in the marketplace. The insurance company determines the depreciation based on a combination of objective criteria (using a formula that takes into account the category and age of the property) and subjective assessment (the insurance adjuster’s visual observations of the property or a photograph of it). In the case of the stolen camera, the insurance company would deduct from its replacement cost an amount for all the wear and tear it endured prior to the time it was stolen.
What does “replacement cost” mean?
The term “replacement cost” is defined or explained in the policy. Simply stated, it means the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose. This applies unless the limit of insurance or the cost actually spent to repair or replace the damaged property is less. Refer to your policy for the exact definition and explanation of replacement cost.
What is “actual cash value”?
The term “actual cash value” is not as easily defined. Some courts have interpreted the term to mean “fair market value,” which is the amount a buyer would pay a seller if neither were under undue time constraints. Most courts, however, have upheld the insurance industry’s traditional definition: the cost to replace with new property of like kind and quality, less depreciation. Courts have varied in their rulings as to whether or not depreciation includes obsolescence (loss of usefulness as a result of outmoded design, construction, etc.).
So what’s the difference?
The only difference between replacement cost and actual cash value is a deduction for depreciation. However, both are based on the cost today to replace the damaged property with a new property.
Isn’t a life insurance policy expensive?
If you’re already living on a tight budget, it can be difficult to pay for a life insurance premium. But it’s important to remember that if your household finances are tight while people are alive and well, it will be much more difficult should you pass away. The cost of Life insurance depends on your age, your health and the size of the death benefit you want. So, remember — the younger and healthier you are, it’s likely that your premium will be lower. It’s worth prioritizing life insurance when it costs less.