Amica Car Insurance Review (2024)
Amica car insurance comes with many options, including discounts and a wide variety of coverage choices. Our Amica car insurance review will go into more detail about where Amica is offered, which discounts they provide, and the car insurance coverage you can purchase.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: A+
- Monthly Rates From: $46-$151
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 800-242-6422
Shopping for car insurance generally involves obtaining quotes from various car insurance companies. If Amica car insurance has made it on your list, you’ll need to know more about the company and what is offered. You always have choices when it comes to finding the most affordable car insurance coverage.
Amica Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | Amica | U.S. Average |
|---|---|---|
| Full Coverage | $151 | $119 |
| Minimum Coverage | $46 | $45 |
The Cost of Amica Car Insurance
One of the most critical factors when considering car insurance is the cost. Amica Car Insurance offers a range of options that can be tailored to your specific needs, but what can you expect to pay for this coverage? In this section, we’ll explore the factors that influence the cost of Amica Car Insurance and provide you with insights into what you might pay for your policy.
The cost of Amica Car Insurance can vary significantly from one policyholder to another. Several factors play a crucial role in determining the price you’ll pay for coverage. These factors include:
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Coverage Levels: The extent of coverage you choose will directly impact your premiums. More comprehensive coverage, including higher liability limits and additional optional coverages, will generally result in higher costs.
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Deductible Amount: Your deductible is the amount you agree to pay out of pocket before your insurance kicks in. Higher deductibles can lead to lower premiums, while lower deductibles result in higher premiums.
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Driving History: Your past driving record, including accidents and traffic violations, can influence your rates. A clean driving history often leads to lower premiums.
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Vehicle Type: The make and model of your vehicle, as well as its age and value, can affect your insurance costs. Expensive or high-performance vehicles typically have higher premiums.
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Location: Your location plays a role in insurance costs. Urban areas with higher rates of accidents and theft may have higher premiums compared to rural areas.
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Discounts: Amica offers various discounts that can help reduce your premium. These discounts may include safe driver discounts, bundling multiple policies, good student discounts, and more.
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Age and Gender: Younger drivers, especially teenagers, and males typically have higher insurance premiums due to statistically higher risk.
When seeking a quote from Amica Car Insurance, it’s essential to provide accurate information, as this will help you get a better estimate of the cost tailored to your specific circumstances. By understanding the factors that influence your insurance rates, you can make informed choices to balance coverage and affordability.
Remember that the cost of Amica Car Insurance can be highly competitive, especially when taking advantage of available discounts and choosing the right coverage for your needs.
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Products and Car Insurance Services Offered by Amica
Amica Car Insurance offers a variety of products and services to help customers protect themselves and their vehicles. Here are some details on the specific types of coverage and services they offer:
- Liability Coverage. This coverage helps pay for damage or injury you cause to others in an accident. It is required by law in most states.
- Collision Coverage. This coverage helps pay for damage to your vehicle if you’re in an accident, regardless of who is at fault.
- Comprehensive Coverage. This coverage helps pay for damage to your vehicle caused by something other than an accident, such as theft, vandalism, or weather-related damage.
- Personal Injury Protection (PIP). This coverage helps pay for medical expenses and lost wages for you and your passengers if you’re in an accident, regardless of who is at fault.
- Uninsured/Underinsured Motorist Coverage. This coverage helps pay for damages and injuries you suffer in an accident caused by someone who doesn’t have enough insurance to cover the costs.
- Roadside Assistance. This service provides help if you need a tow, tire change, jump-start, or other roadside assistance.
The cost of Amica Car Insurance varies depending on factors such as the level of coverage, the deductible, and the customer’s driving record. However, Amica is known for offering competitive rates, and they provide free online quotes so customers can compare prices.
Amica Car Insurance is available in all 50 states and the District of Columbia.
Amica Car Insurance Discounts
Amica Car Insurance offers a variety of discounts to help customers save money on their car insurance policies. Here is a more detailed explanation of the discounts and how customers can be eligible for them:
- Multi-Vehicle Discount. If you insure more than one vehicle with Amica, you may be eligible for a discount on your premium. This discount applies to each vehicle on the policy and can vary depending on the number of vehicles insured and other factors.
- Safe Driver Discount. If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount. The discount percentage varies by state and other factors, but generally applies to the liability, collision, and medical payments portions of your policy.
- Loyalty Discount. If you’ve been with Amica for a certain number of years, you may be eligible for a loyalty discount. The discount amount varies based on the length of your continuous coverage with Amica, but typically applies to your entire premium.
- Anti-Theft Device Discount. If your vehicle has an anti-theft device installed, you may be eligible for a discount. The discount amount varies based on the type of device and how effective it is in preventing theft.
- Good Student Discount. If you or a family member on your policy is a student with good grades, you may be eligible for a good student discount. This discount is typically available for full-time students with a grade point average (GPA) of 3.0 or higher.
- Homeowner Discount. If you own a home, you may be eligible for a discount on your car insurance policy. This discount applies if you own your primary residence, regardless of whether or not you have a mortgage.
- Paperless Discount. If you choose to receive your policy documents electronically instead of in the mail, you may be eligible for a paperless discount. The amount of the discount varies depending on the state and other factors.
To be eligible for these discounts, customers should check with Amica to see what discounts are available in their state and how they can qualify. Some discounts may require documentation, such as proof of good grades or proof of an anti-theft device installation. Customers should also keep in mind that not all discounts are available in all states or for all types of policies.
Amica Car Insurance Claims Process
Ease of Filing a Claim
Amica car insurance offers policyholders a hassle-free claims filing process through its user-friendly online platform, dedicated claims hotline, and mobile app. Whether you prefer the convenience of online submission, personal assistance over the phone, or on-the-go filing via the mobile app, Amica caters to your preferences.
Average Claim Processing Time
Amica prioritizes swift claims processing, aiming to promptly settle claims to provide policyholders with the necessary financial support. The exact processing duration can vary based on the claim’s complexity and provided documentation.
Customer Feedback on Claim Resolutions and Payouts
Amica consistently receives high praise from customers regarding its fair and transparent claim resolutions and payouts. With a strong commitment to exceptional customer service, Amica has built a reputation for reliability in handling claims.
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Amica Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Amica’s mobile app empowers policyholders with various features. It simplifies policy management by allowing users to access and update policy details, make payments, and initiate claims. Additionally, the app provides digital insurance ID cards, quick access to roadside assistance, and a user-friendly interface for on-the-go convenience.
Online Account Management Capabilities
Amica’s website offers robust online account management tools. Policyholders can conveniently handle billing, access policy documents, track claim statuses, and request insurance quotes. This online portal streamlines premium management, document access, claims monitoring, and policy adjustments.
Digital Tools and Resources
Amica enriches the insurance experience with digital resources. These include educational content, coverage calculators, and easy communication channels with customer support. The educational materials aid customers in understanding insurance concepts, while coverage calculators help determine appropriate coverage levels. Policyholders can also contact Amica’s support team via email and live chat, ensuring efficient communication.
Customer Reviews for Amica Car Insurance
Amica Car Insurance consistently receives high marks for customer satisfaction. According to J.D. Power’s 2020 U.S. Auto Insurance Study, Amica ranks highest in customer satisfaction among national insurers, with a score of 898 out of 1,000. Customers praise Amica’s excellent customer service, competitive rates, and easy car insurance claim process.
Amica History and Mission
Founded in 1907, Amica Car Insurance is the oldest mutual insurer of automobiles in the United States. The company was started by a group of people who were dissatisfied with the high prices and poor service provided by insurance companies at the time. Amica’s mission is to provide comprehensive knowledge about car insurance coverage, excellent customer service, and competitive rates. They are committed to treating their customers with respect and integrity, and they strive to make the insurance process as easy and stress-free as possible.
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Amica Car Insurance: In Conclusion
Amica Car Insurance is a great option for customers looking for comprehensive coverage, competitive rates, and excellent customer service. With a wide range of coverage options and discounts, Amica makes it easy for customers to customize their policies to meet their needs and budget. And with a long history of providing quality insurance services, customers can trust Amica to be a reliable partner in protecting their vehicles.
Frequently Asked Questions
Where can you purchase Amica car insurance?
Amica offers car insurance in all 50 United States.
Does Amica car insurance come with discounts?
Yes, you can have discounts applied to your coverage. Examples include the loyal customer discount, savings for a good student, and a discount for bundling your policies together.
Will Amica car insurance be expensive?
Car insurance rates will depend on a number of factors, including your age, where you’re located, and the type of vehicle you’re looking to have insured. Requesting a quote will be the best way to figure out what your car insurance will cost.
How can I qualify for Amica car insurance discounts?
To qualify for Amica car insurance discounts, you should check with Amica to see what discounts are available in your state and how you can qualify. Some discounts may require documentation, such as proof of good grades or proof of an anti-theft device installation. Keep in mind that not all discounts are available in all states or for all types of policies.
What sets Amica car insurance apart from other providers?
Amica Car Insurance stands out for its long-standing history, excellent customer service, competitive rates, and easy claims process. It has received high marks for customer satisfaction, making it a reliable choice for many customers.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.