Amica Car Insurance Review (2023)

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 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.

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.

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 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.