Amica Auto Insurance: Is It Worth The Hype?

Amica is a good insurance company that offers great customer service. Amica's car insurance rates are expensive, but its service is highly rated by drivers. Amica's customer service is available 24 hours a day, 7 days a week, and the company has an A+ rating from AM Best, indicating superior financial strength. Amica's car insurance coverage includes all the standard options, such as personal injury protection, bodily injury liability, property damage, and collision and comprehensive coverage. The company also offers additional coverage options and discounts for things like bundling policies and having safety features on your vehicle. Overall, Amica is a great choice for drivers who value excellent customer service and robust coverage options.

Amica's customer service

In addition to its excellent customer service, Amica offers a range of insurance products, including auto, home, life, condo, renter's, marine, and umbrella insurance. The company provides various coverage options, add-ons, and discounts to meet the diverse needs of its customers.

Amica's commitment to customer satisfaction is further evident in its low complaint rate. According to the National Association of Insurance Commissioners (NAIC), Amica receives considerably fewer complaints than the typical insurance company, with scores consistently below the 1.0 average. This indicates that policyholders are generally happy with the company's service.

Overall, Amica's customer service is a key strength, and the company is a great choice for those seeking dependable service, even if its rates are higher than average.

Amica's rates

Amica also offers dividend policies, which cost more upfront but could provide an annual payout. The typical dividend payment can range from 5% to 20% of the annual rate.

Amica's coverage options

Amica offers a range of coverage options for its customers. The company provides the standard menu of auto insurance coverage, but also allows customers to purchase additional coverage for an extra fee. These options include:

• Gap coverage, which pays out when the amount on your car loan or lease is greater than the value of your vehicle at the time it's declared a total loss.
• Rental reimbursement coverage, which pays for a rental car if your car is in the shop due to a covered loss.
• Identity fraud monitoring, which monitors your credit files and personal information, and provides access to a fraud specialist if your identity is stolen.
• Full glass coverage, which means you pay no deductible for glass repairs or replacement.
• Prestige rental coverage, which gets you up to $5,000 toward the rental of a comparable car if yours is in an accident.
• New car replacement, which means you'll receive a new car if your vehicle is declared a total loss. This only applies if your car is less than a year old and has less than 15,000 miles.

Amica also offers a Platinum Choice Auto package, which includes credit monitoring, full glass coverage, prestige rental coverage, and new car replacement coverage. This package is ideal for drivers looking for extra rental car reimbursement.

In addition to these coverage options, Amica offers dividend-paying policies. As a mutual insurance company, Amica does not have investors or stockholders; instead, the policyholders own the company. Dividend-paying policies cost more upfront but can help you save money over time, as you'll likely receive a portion of what you paid into your policy back every year.

Amica's insurance discounts

Amica offers a wide range of discounts for its auto insurance customers. Here are some of the key areas where you can save money:

Discounts for bundling

You can save money by bundling your auto insurance with other Amica insurance policies. The greatest savings come from bundling auto insurance with home, umbrella, and life policies, which can save you up to 30%. You can also save up to 25% by insuring two or more cars with Amica.

Discounts for family

Amica offers discounts for young drivers under 21 who complete an accredited driver training program. There is also a good student discount for full-time students aged 15-25 who maintain a "B" average or higher. If you have a full-time student on your policy who is away at school and does not have a car, you can take advantage of the "student away at school" discount. Amica also offers a legacy discount for drivers under 30 whose parents have had an auto policy with the company for at least five years.

Discounts for how you drive

Amica rewards safe driving. You can get a discount if you've been claim-free for the past three years and if you've taken an approved driver safety course. The company also offers discounts for vehicles with safety features such as anti-theft devices, electronic stability control, passive restraints (airbags), forward-collision warning, and adaptive headlights.

Discounts for how you pay

Amica provides discounts for paying your entire policy premium upfront, enrolling in AutoPay, and choosing to receive policy documents and bills electronically.

Amica's insurance claims

Amica has a quick and easy claims process, with customers praising the company for its smooth and efficient claims experience. The company's customer service is available 24 hours a day, seven days a week, and it has a dedicated hotline for filing claims. Amica's claims live chat is also available on weekdays from 8 am to 9 pm EST and on Saturdays from 10 am to 5:30 pm EST.

Amica's customers are generally happy with the company's claims process, and it has a good track record of taking care of its customers. It earned the second-highest score on J.D. Power's Auto Insurance Claims Study and its Home Insurance Study. It also receives far fewer complaints than its competitors, according to the National Association of Insurance Commissioners (NAIC). Amica's customer satisfaction ratings are further bolstered by its A+ financial strength rating from AM Best, indicating its superior financial health and ability to pay out claims.

In addition to its standard coverage options, Amica offers several add-ons and upgrades to provide additional layers of protection. These include its Platinum Choice Auto package, which includes credit monitoring, full glass coverage, prestige rental coverage, and new car replacement coverage. Amica also offers gap insurance, glass coverage, medical payments coverage, roadside assistance, and rental reimbursement as optional add-ons.

Amica's dividend policies are also worth considering, as they can pay out up to 20% of the annual premium back to the policyholder. However, these policies tend to be more expensive upfront.

Frequently asked questions