My opinion on your quotes. Even in Minnesota, people are encouraged to put in a 16 SEER system and our cooling load is small compared to Arizona. The difference in equipment cost shouldn't be more than $1000 difference between 14 and 16 SEER. Perhaps keep getting quotes. I'd personally aim for 16 SEER as my minimum when it comes time for me to replace my unit and I live in Minnesota. Trane and American Standard are two brands under the same company, perhaps look for a different brand. Carrier/Bryant usually has good installers. The low-ball installers usually install Goodman equipment. Here I could get both a Bryant condensing furnace(the expensive one with two-pipe install) and a 16 SEER AC installed for the same ballpark prices you are getting quotes for.
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