Amica is one of the best insurers in the U.S., and it sells its products at reasonable prices and excellent customer service.
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Amica Car Insurance reviews
Amica is mainly known for offering car insurance, but it provides life and home insurance too.
About Amica
Amica Mutual is a mutual insurance company that offers auto, home, and life insurance and was founded in 1907 in Rhode Island. Amica initially offered auto, theft, and fire insurance but has expanded since then.
Now it’s offering auto, home, and life insurance, as well. Amica owns several subsidiary insurance companies and is the oldest mutual insurer of automobiles in the United States.
Amica insurance reviews
Amica is a highly rated insurance company that provides excellent customer service but offers mostly expensive rates – mostly for car insurance.
Amica doesn’t have a lot of unique discounts, but it does offer common items like home and auto insurance that can lower your rates.
How Amica Works
Amica is a mutual insurance company. “Mutual Company” means that Amica is owned by its policyholders, not investors or stockholders. When the company makes a profit, it shares it with its policyholders. How? Through breaks on premiums or dividend payments.
Actually, Amica offers dividend plans on auto, home, umbrella, and marine policies; if you pay upfront, you may get 20% of your premium back in dividends or choose to use the rewards to lower your premium.
Amica auto insurance reviews
Amica obtained 5 stars out of 5 for overall efficiency. The scoring formula takes into account report consumer experience, complaint data from the National Association of Insurance Commissioners and Financial Strength Ratings.
Founded in 1907, Amica is the oldest mutual auto insurer in the United States that is owned entirely by its Homeowners.
While it may not be one of the largest insurance companies in the country, it is strong in customer service, with high satisfaction ratings and few complaints.
Average Amica auto insurance costs
The average car insurance premium from Amica is $1,378 per year for a full coverage policy. The average annual cost of car insurance for a full coverage policy in the U.S. is $1,674. Amica offers rates below the U.S. average.
But you must know that there are factors that can impact your insurance premium, such as age, location, driving record, marital status, etc.
Coverages
- Medical payments insurance
- liability insurance
- Comprehensive insurance
- Uninsured/underinsured motorist coverage
- Collision insurance
Progressive Auto Insurance Reviews
Amica offers a variety of additional auto insurance coverages that provide customers with the protection they need on their policy. Here’s a list of a few add-on coverages Amica sells:
- Roadside assistance
- Accident forgiveness
- Gap insurance
- Full glass coverage
- Personal injury protection
- Rental reimbursement coverage
- Platinum Choice Auto®:
Platinum Choice includes all of the upgrades below, but you can decide which ones you’d like on your policy.
- Full Glass Coverage: With this option, you don’t have to pay for any deductibles for glass damage. Or, if you wish, you can choose to get a lifetime guarantee on glass repair from a shop that Amica has approved.
- Accident Forgiveness: Amica has a Good Driving Rewards program, and by being a safe driver, you can earn Advantage Points. By referring other drivers to Amica car insurance and renewing your policy, you can get points. When you gather enough points, you may use them to get accident forgiveness or reduce your deductible.
- Prestige Rental Coverage: This coverage gives you flexible options when renting a car; it means you can choose a model similar to your own vehicle, regardless of the model and price. You also get a limit of $5,000 per occurrence toward your rental, without a daily limitation.
- Identity Fraud Monitoring: Amica will monitor your credit files and personal information with this coverage to ensure no insurance fraud occurs. If they find something unusual, you can get help from a fraud specialist.
Discounts
- Loyalty discount:
You will get lower insurance rates once you’ve been purchasing your insurance needs from Amica for more than two years. - Policy bundling discount:
You can get a bundling discount if you get auto, home, condo, renters, life, or umbrella insurance from Amica. - Multi-car discount:
Save money by insuring more than one vehicle on one policy. - Accident-free discount:
Having no claims in the last three years, you can get a discount. - Safe vehicle discounts:
Safety features, like an anti-theft device, collision warning system, electronic stability, control forward, or adaptive headlights, can make you eligible for a discount. - Legacy customer discount:
Drivers under 30 can get a lower insurance rate if their parents have had an auto policy with Amica for at least five years. - Student away at school discount:
Students that are away from home and left their car behind for school can get a discount. - Young driver training discount:
Young drivers that are under 21-year-old can complete an approved driver training course to get a discount. - Good student discount:
Students between 15-25 who maintain at least a “B” GPA get a good student discount. - Defensive driving training discount:
Policyholders who complete an approved defensive driving training course get a discount from Amica on their policy. - Payment discounts:
If you pay your premium in full, sign up for paperless billing, and enrol in autopay statements, you can get a discount.
Perks
Complimentary glass repair if the glass doesn’t need to be replaced, free deployed airbag repair, free lock replacement if your keys are lost or stolen, reimbursement for lost wages if you have to appear in court $1,000 toward bail bonds, and not counting depreciation if your new car is totalled within one year of the purchase date, these are all perks that come with any auto policy from Amica.
Reviews
AM Best Rating: A+ (Superior financial strength profile)
J.D. Power rating: 5/5
Pros:
- Highly rated
- Extra perks and services
- quick claims process
- Multiple discounts available
- Good for Young drivers
Cons:
- Few local offices
- Discounts are not available in all states
An affordable insurance policy is a priority when shopping around, and Amica has policies and perks priced under the United States’ average insurance costs; on top of that, your claims will be handled quickly and with ease.
Larger insurers usually score poorly regarding customer satisfaction and claims handling because they have many customers and claims that make it hard for them to keep up with their demands; however, Amica remained responsive to its policyholders regardless of the company’s size.
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