Well, the Phoenix metro are is one of the WORST areas in the country for car insurance. I have a friend back in LV who works for Allstate and he said that "if you have a decent car...they just assume it is going to get stolen, broken into, or you WILL be hit by someone without insurance." My rates went up a lot from opposed to NV. However, give Progresive a call. They gave a pretty good deal to my fiancee when we bought a new car this winter.