Amica Auto Insurance: What You Need To Know

Amica offers auto insurance to its customers. The company provides tailored coverage, discounts, and superior service, with one in three Amica customers having been insured with them for over 20 years. Amica's auto insurance includes medical and personal injury protection, liability coverage for bodily injury and property damage, uninsured and underinsured motorist coverage, collision and comprehensive insurance, and roadside assistance. Customers can get a free quote by calling their office or visiting their website.

Amica's auto insurance coverage options

Amica offers a range of auto insurance coverage options to protect you, your car, and others on the road. Their coverage options include:

Medical Payments (MedPay)

This coverage option helps pay for certain expenses for you and your passengers if you're hurt in a car accident. This includes necessary medical bills.

Personal Injury Protection (PIP)

PIP is a no-fault coverage that pays for medical expenses and lost wages if you or your passengers are injured in an accident.

Bodily Injury Liability

This coverage option pays for injuries to others when you are responsible for an accident. It covers necessary medical bills.

Property Damage

Property Damage coverage pays for damage caused to someone else's property, such as houses, telephone poles, and mailboxes.

Uninsured/Underinsured Motorist Bodily Injury

This coverage option pays for your injury expenses if the at-fault driver is uninsured or doesn't have enough insurance to cover your injury costs.

Uninsured/Underinsured Property Damage

This coverage pays for damage to your vehicle if the at-fault driver is uninsured or underinsured.

Collision

Collision coverage pays to repair or replace your car if it's damaged in an accident, regardless of who is at fault. This includes accidents with other vehicles or objects such as trees, potholes, or guardrails.

Comprehensive (Other than Collision)

Comprehensive coverage protects your car from damage that isn't a result of a collision. It covers damage from natural disasters, fallen trees, rocks kicked up by other cars, accidents involving birds or animals, and more.

Auto/Loan Lease Coverage

If your car is totalled, this coverage pays the difference between the current value of your vehicle and the amount you still owe on your loan or lease.

Full Glass Coverage

Full Glass Coverage includes repair or replacement of your windshield, windows, and other auto glass, without a deductible.

Roadside Assistance (Towing and Labor Coverage)

Amica offers 24/7 roadside assistance, including towing (even if it's not accident-related), jump-starting dead batteries, fuel delivery, and getting your car out if it's stuck in mud or snow.

Rental Reimbursement (Loss of Use or Transportation Expenses)

This coverage pays for transportation costs if your car can't be driven after an accident or is in the shop for covered repairs. It can also cover other transportation, such as taxis, trains, and buses.

Platinum Choice Auto

Platinum Choice Auto is a premium package that includes glass repair or replacement without a deductible, credit monitoring service, and new car replacement coverage for vehicles under one year old and with fewer than 15,000 miles. It also offers prestige rental coverage, allowing you to rent a similar car to your own after a covered accident.

Amica's customer service

Amica offers auto insurance with a variety of coverage options and discounts. Their website outlines their commitment to customer service, stating that they will only work with insurance professionals who offer personal attention and proven expertise. Amica's customer service representatives are available 24/7 and can be contacted over the phone or by visiting a local office.

Amica's auto insurance coverage includes standard options such as medical payments, personal injury protection, bodily injury liability, property damage, and uninsured/underinsured motorist coverage. They also offer additional coverages, such as roadside assistance, rental reimbursement, and full glass coverage. Amica's Platinum Choice Auto package includes premium coverages such as credit monitoring, new car replacement, and prestige rental coverage.

Amica has received recognition for its customer service, including being named one of America's Best Insurance Companies of 2024 by Forbes. They also boast a high customer retention rate, with 98% of customers choosing to stay with Amica.

Amica's website provides contact information for their sales and client services, claims processing, and customer care departments. They encourage customers to reach out with any questions or concerns about their policies, quotes, claims, billing, or other related matters.

Overall, Amica appears to prioritize customer service and satisfaction, offering a range of auto insurance coverage options and resources to support their clients.

Amica's auto insurance discounts

Amica offers a range of auto insurance discounts to its customers. One way to save money on your auto insurance is to bundle your auto policy with other Amica insurance products, such as home, umbrella, and life policies. By doing so, you can save up to 30% on your insurance costs. Additionally, if you own more than one car, you can save up to 25% by insuring two or more vehicles with Amica.

Amica also offers various discounts based on your driving history and behaviour. If you have been claim-free for the past three years, you are eligible for a discount. Taking an approved driver safety course or a defensive driver course can also reduce your insurance costs. Amica has partnered with SafetyServe.com to offer an online defensive driver course, and you may qualify for a discount on your auto insurance upon completing the course.

For families, Amica offers discounts for young drivers under 21 who complete an accredited driver training program. If you have a full-time high school or college student on your policy, aged 15-25, who maintains a "B" average or higher, you are eligible for the good student discount. There is also a discount available for students who are away at school and do not have a car. Furthermore, if you are under 30 and your parents have had an auto policy with Amica for at least five consecutive years, you may qualify for the legacy discount.

In terms of vehicle safety features, Amica rewards customers whose cars are equipped with anti-theft devices, such as car alarms and GPS tracking systems. Additional discounts are available for vehicles with electronic stability control, passive restraints like airbags, forward-collision warning systems, advanced headlights, and collision-avoidance features.

Lastly, Amica provides discounts based on your payment methods and preferences. You can save money by paying the entire balance of your policy premium upfront. Enrolling in AutoPay and signing up for electronic billing and policy documents can also help you earn additional savings.

Amica's auto insurance quotes

Amica offers auto insurance with a range of coverage options and add-ons. To get a quote, you can either call Amica or go to their website. The process is straightforward, and you will be guided through it by an insurance professional. You will be asked a few questions to determine the most accurate quote for your needs.

Amica offers tailored coverage, and their representatives are available 24/7 to help you find the right protection for you, your passengers, and others on the road. Their coverage includes medical payments, personal injury protection, bodily injury liability, property damage, uninsured/underinsured motorist bodily injury, collision, comprehensive, and more.

You can also add optional coverages to your policy, such as roadside assistance, rental reimbursement, and ridesharing/delivery driving coverage. Amica also offers a Platinum Choice Auto package that includes premium coverages like glass repair or replacement without a deductible, credit monitoring, and new car replacement coverage.

Amica has a strong reputation, with Forbes naming them one of America's Best Insurance Companies of 2024, and AM Best awarding them an A+ financial strength rating. They also have a high customer retention rate, with 98% of customers staying with Amica.

To get started with an Amica auto insurance quote, you will need to provide some basic information, including details about your car, any accidents or claims, and your current insurance information. You can do this online or over the phone, and Amica representatives are available to assist you at any time.

Amica's auto insurance ratings

Amica auto insurance offers a range of coverage options, including bodily injury liability, property damage liability, medical payments, personal injury protection, comprehensive, collision, and uninsured/underinsured motorist. They also offer supplemental coverage options such as roadside assistance, full glass coverage, rental reimbursement, and the Platinum Choice Auto® package, which includes identity monitoring and enhanced rental coverage.

Amica has received positive reviews for its customer service and robust coverage options. WalletHub's editors gave Amica a rating of 4.2/5, praising its solid claims process and generous discounts. Amica also earned high ratings from industry watchdogs like the BBB and A.M. Best. However, Amica has received some complaints about unexpected surcharges, delays in claims payments, and unsatisfactory settlements. It's important to note that Amica's NAIC rating is 0.92, indicating that it has received more complaints than the average car insurance provider.

Amica's auto insurance rates are generally affordable and competitive. According to WalletHub's price comparison, Amica ranks in the second quartile among the cheapest major car insurance providers. Amica also offers various discounts, including vehicle safety, safe driving, autopay, paid-in-full, and loyalty discounts.

In terms of customer satisfaction, Amica shines in this area. They were ranked highly in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study and the 2023 U.S. Insurance Digital Experience Study for their service. Amica also tied for first place with Geico in the Bankrate Awards for Best Overall Auto Insurance Company, further highlighting their commitment to customer satisfaction.

Overall, Amica auto insurance is a good choice for drivers seeking comprehensive coverage options and excellent customer service. Their rates are generally affordable, and they offer a range of discounts to help lower costs. However, it is important to consider the complaints received by customers regarding unexpected charges and delays in claims payments.

Frequently asked questions