Amica Auto Insurance is an insurance company that specializes in providing coverage for automobiles. The company was founded in 1907 and is headquartered in Lincoln, Rhode Island.
Amica Auto Insurance offers a range of auto insurance policies, including liability coverage, collision coverage, comprehensive coverage, and personal injury protection (PIP). They also offer optional coverage such as roadside assistance, rental reimbursement, and glass coverage.
One of the unique features of Amica Auto Insurance is their dividend policy. Amica is a mutual insurance company, which means that they are owned by their policyholders.
As a result, Amica is able to offer dividends to their policyholders, which are a share of the company's profits that are distributed to eligible policyholders each year.
Amica Auto Insurance is known for its high levels of customer satisfaction and has received numerous awards for its customer service.
They also offer a mobile app that allows policyholders to access their policy information, pay their bills, and file claims directly from their smartphone.
Overall, Amica Auto Insurance is a reputable and reliable option for those in need of auto insurance coverage.
However, as with any insurance company, it's important to carefully review and compare policies to ensure that you're getting the coverage you need at a price that works for you.
Amica Auto Insurance Overview
 |
| Amica Auto Insurance Overview |
Top notch customer service and claims satisfaction. Amica enjoys an excellent reputation with customers and industry rating agencies.
Amica’s prices may be higher than others, but that’s because its customer service, which can include glass repairs and excellent claims handling, is second to none.
Premium coverage available. Amica provides coverage for bodily injury, funeral expenses, lost wages, medical expenses, property damage, theft, and even coverage for the underinsured or uninsured.
Amica also sells a range of other property insurance products, including home, marine, motorcycle, and more.
Variety of unique services and benefits. Amica will replace your locks in case you lose your keys, repair damaged glass and even reimburse lost wages if you have to appear in court. Few other insurers offer these kinds of benefits.
Fast agent response times. You’ll see a lot of mention of Amica’s customer service in this review.
Amica Auto Insurance Cost
 |
| Amica Auto Insurance Cost |
The cost of car insurance varies widely and is based on individual factors such as the driver’s credit score, address, driving history, age, and the make and model of their car.
It is therefore difficult to estimate how much an Amica policy would cost for a given driver.
But let’s take a look at a sample Amica policy to get an idea of how much some drivers might pay.
A single-driver Amica policy in Minnesota with one car, a 2014 Toyota Camry, came in at $205 for a premium of $1,233 over 6 months, or $2,466 for an entire year.
Compare that to the average annual auto insurance premium in Minnesota in 2015, which was $875.49. That’s all the difference.
Here are the coverage limits and deductible amounts of our sample:
| Basic Coverages | Policy Limits |
|---|---|
| Bodily injury liability | $50,000 each person, $100,000 each accident |
| Property damage liability | $50,000 each accident |
| Personal injury protection | $40,000 each person |
| Uninsured motorists bodily injury | $50,000 each person, $100,000 each accident |
| Comprehensive | $1,000 deductible |
| Collision | $1,000 deductible |
Amica Auto Insurance Discount
But, if you’re willing to pay a little more for a highly rated service, Amica offers you a few ways to save, like a legacy discount for drivers under 30 whose parents have had an Amica policy for more than five years. years, or discounts of up to 25% if you insure two or more vehicles with Amica.
There are also discounts for owning a home even if it’s not insured with Amica, discounts for staying claim-free for three years, and discounts for paying your full premium before the due date. of your first bill.
Here are a few more:
- Anti-theft discount. When an approved anti-theft device (such as a car alarm) is installed in your vehicle.
- AutoPay discount. When you set your insurance payments to pay automatically.
- E-reduction. When you choose to receive billing and policy information electronically.
- Discount on restraint system. When your vehicle is equipped with automatic restraint devices such as airbags.
Amica customers may also be eligible for many other discounts not listed or mentioned here.
However, it’s important to note, as with most insurers, these types of discounts can change and vary by state, and eligibility may depend on your driving record or other information.
And while Amica offers a decent amount of great discounts, it can’t offer as many as the big insurers. For example, companies like Geico, State Farm, and Progressive all have an app that tracks your driving and rewards safe driving with a discount. Amica does not provide this.
Instead, you’ll get the best customer service, claims handling, and a reputation the big carriers would go green with envy for.
Customer Ratings
And what do customers think? As you may have noticed by now, Amica is a customer favorite, with high marks from the Better Business Bureau, Consumers Advocate, and Consumer Reports.
Here is the breakdown of the scores:
- Better Business Bureau: A+
- Consumer advocate: 4.7 / 5
- Consumption: 1.5 / 5
- Consumer reports: 89 / 100
- J.D. Power: 5 / 5
- NAIC Complaint Index: 1.36
The Better Business Bureau ranks companies based on a wide variety of criteria, including company advertising and customer experience.
Customers can submit ratings to the BBB, but these ratings are generally not counted in their rating.
The A+ rating conflicts a bit with the customer review score, which sits at 2.5 out of 5 stars from 55 submissions.
It sounds worrying, but that’s a low number of user submissions with negative experiences.
Consumers Advocate rates companies based on their reputation, features, and stability. They give Amica an almost perfect score.
Consumer Affairs is a review platform that allows customers to rate companies directly. Common complaints mention sudden price increases and a lack of local agents. You’ll notice that this low score is the obvious exception to Amica’s high scores.
But that last part about local agents is true – Amica operates primarily online, with few physical locations.
You may be lucky as there are physical offices, otherwise you will find it quite difficult to arrange face-to-face meetings. You better pick up the phone or use the Amica website.
Readers of Consumer Reports, the reputable consumer news group, also rate Amica highly and have even included the carrier in a few of their “Best Of” buying guides.
J.D. Power provides studies that rate insurance companies based on policy offerings, price, and clarity of billing and policy information.
According to its 2019 U.S. Auto Claims Satisfaction Study, which garnered responses from over 11,000 auto insurance customers, Amica sits at the top of the list with the highest ranking for overall customer satisfaction.
The National Association of Insurance Commissioners, a regulator that tracks complaints submitted to state insurance departments, scores a score of 1.36. A score of 1 represents the baseline average, and a zero means there were not enough customer complaints to count.
With that in mind, Amica barely has more complaints than average.
Contact info
- Website: www.amica.com
- Phone: (800) 242-6422
- Headquarters: 100 Amica Way, Lincoln, RI, 02865