Amica Auto Insurance: Good Or Bad?

Amica Auto Insurance is a good choice for drivers seeking comprehensive coverage perks like roadside assistance and glass repair. The company has been recognised for its superior customer service, with high customer satisfaction ratings and low consumer complaints. Amica offers a range of policy options, including dividend policies that can provide an annual payout, and various discounts for safe drivers, loyal customers, and those who bundle their insurance policies. However, Amica's rates are considered expensive, especially for young drivers and individuals with traffic violations.

Amica's customer service

However, some customers have expressed dissatisfaction with Amica's customer service. One review mentions that they had difficulty reaching a representative over the phone and experienced issues with the company's roadside assistance program. Another review states that Amica's customer service became "rude and unkind" after the customer was involved in an accident.

Overall, Amica's customer service is highly regarded, with the company receiving recognition for its responsiveness, knowledge, and friendliness. However, there are also some negative reviews highlighting issues with phone support and claim handling.

Amica's roadside assistance

• Jump-starting a dead battery
• Changing a flat tire
• Delivering fuel if you run out of gas
• Towing up to 15 miles to the nearest repair facility (non-accident related)

The service is available to all customers with Amica's Towing and Labor endorsement. If you don't have this endorsement, you can still take advantage of roadside assistance at cost.

The roadside assistance coverage can be added to your auto policy, and Amica has relationships with many reputable service companies. However, you are not obligated to use the tow service provided through their program and can choose your own provider.

Amica's insurance rates

However, Amica offers dividend policies, which, although more expensive upfront, can provide an annual payout of 5% to 20% of your annual rate. Amica also offers a wide range of discounts, including loyalty discounts, multi-policy discounts, and claim-free discounts.

Amica's insurance coverage

Amica offers auto insurance in every state except Hawaii. The company provides a range of coverage options, including standard coverage and its Platinum Choice package, which includes additional benefits.

Standard Coverage

Amica's standard auto insurance coverage includes collision and comprehensive coverage, roadside assistance, and limited glass and rental car coverage. You can also add on various other coverage options to your policy, such as:

• Credit monitoring: Amica monitors your credit files and personal information and provides access to a fraud specialist if your identity is stolen.
• Full glass coverage: Covers the cost of repairing or replacing car windows and windshields with no additional deductible.
• Gap coverage: Pays the difference between the value of your car and the amount you owe on your loan or lease if your vehicle is totaled.
• Rental reimbursement coverage: Helps pay for a rental car while your vehicle is being repaired after a covered loss.
• Roadside assistance: Covers the cost of towing, jump starts, gas, and other emergency services if your car breaks down.

Platinum Choice Coverage

Amica's Platinum Choice policy includes the following additional benefits:

• Prestige rental coverage: Provides up to $5,000 towards a rental car if your vehicle is damaged in a covered accident, with no daily limit on usage.
• Full glass coverage: Repairs or replaces car windows and windshields with no additional cost.
• Credit monitoring: Monitors your credit files and provides access to a fraud specialist in case of identity theft.
• Accident forgiveness: Rewards policyholders for clean driving records, multiple policies, and client referrals, allowing them to lower costs in the event of an accident.
• Identity fraud monitoring: Monitors your credit and personal information and provides support in case of identity theft.

Dividend Policies

As a mutual insurance company, Amica is owned by its policyholders. This means that profits are returned to customers rather than investors. Amica offers dividend policies that cost more upfront but can provide an annual payout of 5% to 20% of your premium. Dividend payments can be used however you choose and are not restricted to your auto insurance bill.

Amica's insurance discounts

Amica Insurance offers a wide range of discounts to its customers. These discounts are available for auto, home, renters, and condo policies. Here are some of the key Amica Insurance discounts:

Discounts for bundling:

Amica offers significant savings when you bundle your insurance policies. You can save up to 30% when you bundle auto insurance with home, umbrella, and life policies. Additionally, if you own more than one car, you can save up to 25% by insuring them all with Amica. The company also rewards loyalty; you are eligible for a discount if you've been with any auto insurer, not just Amica, for at least two years. The longer the relationship, the more you'll save.

Discounts for family:

Amica offers discounts for young drivers under 21 who complete an accredited driver training program. They also provide a good student discount for full-time high school or college 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 without a car, you can take advantage of the "student away at school" discount. Amica also offers a legacy discount to 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. Additionally, taking an approved driver safety course can earn you a defensive driver training discount.

Discounts for what you drive:

Amica offers discounts for vehicles equipped with safety and security features. This includes vehicles with anti-theft devices, electronic stability control, passive restraints (like airbags), forward-collision warning systems, and adaptive headlights.

Discounts for how you pay:

Amica provides discounts for customers who pay their entire policy premium upfront. You can also save by enrolling in autopay and choosing to receive policy documents and bills electronically.

Frequently asked questions