Amica Auto Insurance Reviews: Amica is the oldest mutual auto insurer in the United States, wholly owned by its policyholders.
While it may not be one of the largest insurance companies in the country, the company boasts strong customer service, high satisfaction ratings, and few complaints.
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What is Amica Auto Insurance?
Amica will change the way you think about insurance. It was founded over a century ago on the principles of world-class customer service, and that focus remains today – with every phone call, every quote, and every claim.
Policyholders live with Amica for decades and generations. Ask an Amica customer what sets the company apart and you’ll hear about their consultative approach, caring and knowledgeable representatives, and amazing attention to detail.
A mobile-friendly website, digital self-service tools, and 24/7 claims service give you options that are tailored to your specific needs.
And with the company’s A+ (Superior) rating for financial strength and AM Best Company claims payability, 1st customers know Amika is here to protect them.
Amica is a mutual insurer owned by policyholders, meaning the company puts you first. And since Amica is a straight writer, you’ll be dealing directly with her reps, not agents.
From policy updates to prompt and fair payment of claims, Amica employees fulfill the company’s mission statement: creating peace of mind and building lasting relationships.
Amica Auto Insurance Review Highlights
Ranked – Second cheapest quartile of cheapest major car insurance companies, according to WalletHub’s price comparison.
Offer top discounts – vehicle safety, safe driving, autopay, paid-in-full and loyalty discounts.
Basic coverage options – Bodily Injury Liability, Property Damage Liability, Medical Coverage, Personal Injury Protection, Comprehensive, Collision, and Uninsured/Underinsured Motorist.
Supplemental Coverage Options – Roadside Assistance, Full Glass Coverage, Rental Reimbursement, and the Platinum Choice Auto® Package, which includes all of these supplemental coverage options plus Identity Monitoring and Advanced Rental Coverage.
Free benefits – lock replacement, airbag repair, glass repair, salary reimbursement (if you have to appear in court), surety bond, and depreciation protection.
How does Amica Auto Insurance work?
Amica Auto Insurance Pay
Amica offers several payment options. If you pay your premium in full instead of splitting your payments into monthly installments, you can get a discount on your insurance rates.
However, if monthly payments fit your budget well, your AutoPay option will automatically charge you when your bill is due, and you can get additional discounts for signing up for AutoPay.
Amica Auto Insurance Rate Increase
Like any auto insurance provider, Amica weighs a variety of factors when determining your auto insurance rate. Amica’s MAIP rate setting identifies a number of factors that may affect your rate:
- You have auto bodily injury limits with your previous car insurance policy
- Presence of adaptive headlights in your car
- Does your car have a forward collision warning system?
- Equipping your vehicle with electronic stability control
also considers factors such as whether you have taken an approved driver’s training class.
Amica Auto Insurance Claims
Amica makes it easy to file your auto claim quickly. You can report a claim over the phone or log into your account to file a claim online
They make it easy to upload and view your claim documents and track your claim process when you report a claim online.
It is also possible to file your claim by chatting online with a live representative. Representatives are available Monday through Friday from 8:00 am to 6:00 pm ET and Saturday from 10:00 am to 5:30 pm ET.
Amica Auto Insurance Discount
Amica offers several ways to save money on your car insurance:
Pay at a full discount: Choose to pay in one lump sum – instead of paying monthly and saving.
Auto-Pay Discount: Set up automatic monthly payments and receive discounts.
Anti-theft device discounts: You can save if your car has an alarm or tracker.
Safe Driver Discount: If you claim for free, Amica may reward you with lower premiums.
Vehicle safety waivers: Airbags? ABS? Choosing protection gives you savings.
Good Student Discount: Reward for good academic standing.
Multi-Car Discount: Insure multiple cars with Amica and get discounts.
Amica Auto Insurance Coverage Options
- Medical Payments
- Bodily Injury Liability
- Personal Injury Protection
- Comprehensive
- Auto/Loan Lease Coverage
- Roadside Assistance
- Platinum Choice Auto
- Rental Reimbursement
- Accident Forgiveness
- Uninsured/Underinsured Motorist Bodily Injury
- Property Damage
- Full Glass Coverage
- Collision
Is the bottom line
Amica is a good insurance company. Amica Auto Insurance wins when it comes to coverage options and quality claims support, and the company is also generous with discounts. however, it is somewhat lacking in terms of customer service.
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