We are Choice Insurance of Arizona, an independent insurance agency licensed to offer, sell and discuss insurance in the State of Arizona. As an independent insurance agency we represent various insurance carriers who also are licensed to sell, offer and provide insurance in the State of Arizona. Most of the insurance carriers that we represent are A-rated by A.M.Best. However, we may represent and offer to you carriers that do not carry their highest rating.
Some may carry a B-rating, like Mendota Insurance. Be sure to do your independent research about any carrier listed on our website or that we offer to you, as their A.M.Best ratings could change with or without our notice.
Making the decision to buy insurance from a carrier with a B-rating or lower from A.M.Best is your responsibility. Our job is to find you a competitive insurance premium.
We do not collect any information from you, other than what you provide to us. We are obligated, however, to provide any information to the carriers we represent – either to obtain a quote or to obtain insurance coverage.
Our agency does not run your credit. However, the carriers that we represent likely do run credit. When you request a quote from us we will enter your information into an insurance rater or the insurance carrier's websites and systems directly to obtain a price for insurance. During this process they can and usually do run credit. We do not usually receive or have access to your insurance credit score and at no time do we have access to your actual credit report.
To offer, provide and sell you insurance, we must run various reports required by the different insurance carriers that we represent. Reports obtained about you will include but are not limited to:
We do not place cookies on your website. However, the carriers that we represent may do so. Please read the privacy notice and legal notice of any company you do business with or buy insurance through.
We treat your personal information with great importance and do our best to protect your privacy.
When you apply for insurance, it is imperative that you provide 100% complete truthfulness. Failure to do so may result in your application or policy being denied, cancelled or rescinded by the insurance carrier. This includes, but is not limited to:
It is your job to know and understand the various parts of any insurance policy that you purchase from us. If you apply for insurance you will receive an insurance policy from the carrier directly. It is your responsibility to read this policy and understand what you are buying, particularly any riders or endorsements offered by the insurance carrier, and that you may not currently have on your policy.
It is your job and responsibility to read and review your insurance declarations page and policy coverage pages. If you find an option, coverage or endorsement that you want but it is not currently a part of your policy it is your job to notify your agent or carrier immediately to have this option, coverage or endorsement added.
We recommend high insurance limits to best protect you and your assets. However, there is no guarantee that any insurance policy and coverage will sufficiently protect you from any and every potential loss or being subject to a lawsuit.
If you suffer a loss or claim that exceeds your insurance policy, you agree to hold harmless Choice Insurance of Arizona, its owners, employees or officers.