Complete Amica Auto Insurance Reviews: The Good And The Bad

Auto insurance is necessary for both financial protection and legal compliance. It protects you against unforeseen financial obligations caused by accidents, theft, or car damage.

Insurance not only covers repair and medical bills, but insurance also protects you from liability claims, guaranteeing you are not personally liable for the losses of others.

In many places, auto insurance is a legal necessity, highlighting its importance in promoting responsible driving and protecting persons and communities.

It gives you peace of mind, allowing you to drive with confidence knowing that you have a safety net in place in case of an emergency.

Today we have Amica auto insurance for you and here we have covered the amica auto insurance reviews, quotes, pros & cons, discounts, and much more.

Introduction to Amica Auto Insurance

Amica Mutual Insurance Company was founded in 1907 and is the oldest mutual insurer of autos in the United States.

Amica is a direct writer of personal insurance, offering cars, homeowners, personal excess liability, and marine coverage. The organization is well-known in the insurance market for its financial stability and excellent client service.

Amica Property and Casualty Insurance Company is a completely owned subsidiary of Amica Mutual Insurance Company that offers auto insurance in various states around the USA.

Amica Mutual Auto Insurance is well-known for its customer-centric strategy, and it distinguishes out with bespoke policies that cater to individual needs. With an emphasis on openness and dependability, they provide a variety of coverage alternatives, including comprehensive and customizable policies.

Also, the amica mutual car insurance is well-known for its reasonable price and varied discounts, which help clients discover value in their policies.

Amica emphasizes digital accessibility, offering a user-friendly online platform and mobile app for smooth policy management. Amica Auto Insurance has a strong reputation A+ from AM Best, And from Better Business Bureau for best client satisfaction, making it a trustworthy, efficient, and consumer-focused option.

How does Amica Auto Insurance work

Amica Auto Insurance Company covers individuals against financial losses caused by auto-related incidents. Here’s an overview of how Amica Auto Insurance works:

Policy Selection: Customers select a policy that meets their needs, including coverage options including liability, comprehensive, collision, and more.

Discounts and Savings: Amica offers a variety of discounts, including safe driver discounts, multi-policy discounts, and loyalty awards, to assist consumers save on their premiums.

Premium Determination: Amica determines the premium based on several factors, including the driver’s age, driving history, region, and kind of coverage picked.

Policy Management: Customers can manage their policies online or by mobile app, making it easy to change information, make payments, and access policy documentation.

Claims Process: In the event of an accident or covered incident, consumers may file a claim with Amica. The company then examines the damage, either facilitating the repair procedure or providing compensation.

Customer Service: Amica is well-known for providing exceptional customer service, including support for policy-related inquiries, claims processing, and general assistance.

Digital Tools: Amica prioritizes digital accessibility, providing tools and services online to help clients navigate their policies, obtain information, and receive assistance.

Overall, Amica Auto Insurance strives to provide dependable coverage, customized service, and an easy method for managing policies and filing claims. Customers value the company’s commitment to openness and client satisfaction.

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Amica Auto Insurance Coverage Options

Amica Auto Insurance offers a variety of coverage options to meet the diverse needs of drivers. Typical Amica auto insurance coverage options include:

Medical Payments Coverage (MedPay): If you are injured in a car accident, this policy will cover medical bills and funeral expenses for you and your passengers, regardless of who is at blame.

Personal Injury Protection (PIP): This no-fault coverage covers medical expenditures, funeral expenses, loss of services, lost wages, and other costs associated with an accident, regardless of culpability.

Bodily Injury Liability: This coverage covers the injuries sustained by others when you are at fault for an accident, such as pain and suffering, medical expenditures, funeral expenses, and lost income.

Property Damage Liability: This coverage covers damage you make to someone else’s property, such as automobiles and other types of property such as houses, telephone poles, and mailboxes.

Uninsured/Underinsured Motorist Coverage: Pays for your medical expenses if the driver who caused the collision is uninsured or does not have adequate insurance to cover your injuries. This policy covers medical expenditures, pain and suffering, lost pay, and funeral expenses.

Uninsured/Underinsured property damage: This coverage includes Pays for car damage if the motorist who caused the collision is uninsured or does not have enough insurance to meet the costs. This policy covers automotive damage and rental charges (depending on your state).

Collision Coverage: Regardless of who is at fault, this coverage will repair or replace your automobile if it is damaged in an accident with another vehicle or an object such as a tree, pothole, or guardrail. The policy provides coverage for accident-related repairs, towing, and vehicle replacement in the event of a total loss.

Comprehensive Coverage: This policy protects your car from damage that isn’t caused by a collision with another vehicle or object, such as fire, hail, hurricanes, and falling trees. Natural calamities, such as earthquakes and floods, theft and vandalism.

Rocks stirred up by other automobiles, accidents involving birds or animals, and accident-related towing.

Auto/Loan Lease Coverage: If your car is totaled, this covers the difference between its current value and the amount you still owe on your loan or lease.

Full glass coverage: If your windshield or other types of glass in your automobile are damaged, auto glass coverage covers the repair or replacement. Glass coverage is classified into two types: comprehensive and full coverage.

Roadside Assistance: The Roadside Assistance Program can help you get back on the road, whether it’s jumpstarting a dead battery, replacing a flat tire, delivering gasoline if you run out of petrol, or towing your vehicle. This service is accessible to all of our policyholders with Towing and Labor coverage.

You can contact Roadside Assistance at 866-286-9968. It covers:

Rental Car Reimbursement: This coverage covers transportation costs if your car is unable to be driven due to an accident or is being repaired. It includes rental automobiles, ridesharing, and other modes of transportation, such as taxis, trains, and buses.

Ridesharing and Delivery Driving Coverage (Depending on your state): Amica provides extra coverage that extends protection for participating in a passenger transportation network (such as Uber or Lyft). Where available, Amica additionally provides optional coverage for passenger transportation (Uber, Lyft) and product delivery (DoorDash, GrubHub, newspaper delivery, etc.).

Platinum Choice Auto: This plan offers top-tier coverage at an affordable price. You can also add any of the individual coverages to your existing Amica vehicle insurance policy without purchasing the Platinum Choice vehicle bundle.

Individuals must carefully analyze and adjust their coverage to meet their unique needs and circumstances. Amica’s commitment to customer satisfaction frequently includes assisting clients in customizing their policies to provide proper coverage.

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Amica Auto Insurance Discounts

Amica Auto Insurance provides a variety of incentives to assist clients to save on their premiums. While the availability of amica car insurance discounts may vary by location, the following are some popular amica auto insurance discounts:

Loyalty Discount: You can save if you have been with any auto insurer for at least two years. You’ll save more money the longer your relationship lasts. Here, the discount changes depending on the length of loyalty.

Multi-Vehicle Discount: If you own more than one car, you can save up to 25% by insuring two or more cars in one policy with Amica.

Multi-Policy Discount: Bundle your auto insurance with house, umbrella, and life insurance plans to save up to 30% more.

Homeownership: If you own a home, you may be eligible for a discount from Amica, even if it is not currently insured with the business.

Good Student Discount: Policies with full-time high school or college students (ages 15-25) with a “B” average or higher are eligible for our good student discount.

Young driver training Discount: Amica gives discounts for drivers under 21 who have completed an official driver training program.

Student away at school Discount: If your policy includes a full-time student who is away at school and does not have a car, can get this discount.

Rewarding your parent’s loyalty Discount: If you’re under 30 and your parents have had auto coverage with us for at least five years in a row, you may be eligible for our legacy discount. You must have your auto insurance policy and vehicle.

Accident-free Discount: If you have not filed a claim in the last three years, you may be eligible for a discount on auto insurance. One driver on the insurance needs to have at least 39 months of driving experience.

Defensive driver training Discount: Amica has teamed with SafetyServe.com to provide an online defensive driving course sponsored by the National Safety Council. You can take the online class whenever it works best for you.

You’ll discover useful facts to help you become a more defensive driver and avoid accidents. SafetyServe.com will send your class completion certificate directly to Amica so you can obtain a discount.

Anti-Theft Device Discount: Amica will reward you for using anti-theft devices such as auto alarms and GPS monitoring systems. The discount varies based on the device.

Electronic stability control Discount: If your vehicle has electronic stability control to aid preserve handling on slippery or wet roads, you will be eligible for an insurance discount. Also, the discount varies depending on the type of electronic stability control.

Passive restraints Discount: If your vehicle is fitted with passive restraints, such as airbags, you may be eligible for a discount.

Forward-collision warning Discount: If your automobile includes a collision-avoidance feature that warns you of probable accidents, you can save even more money.

Adaptive headlights Discount: When your car has headlights that make driving in low-light circumstances safer, you can save money on your insurance.

Paid in full Discount: You can simply save 2% money by paying the entire remainder of your policy premium upfront.

AutoPay Discount: If you choose to pay your auto insurance premium on a certain date from a specific bank account, you will receive an AutoPay discount of 2%, allowing you to save even more.

Paperless Discount: You will receive a 6% discount if you sign up to receive insurance paperwork and bills electronically. To earn this discount, you must enroll in both E-policy and E-bill.

Policyholders should inquire about possible discounts, as eligibility requirements and availability of specific discounts may differ. Customers who take advantage of these reductions may be able to save money on their Amica insurance.

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Amica Auto Insurance rates

Amica car insurance rates might vary greatly depending on numerous criteria. Here are all of the elements that influence your Amica auto insurance prices:

To obtain precise information on Amica Auto Insurance prices, please request a quote directly from Amica or chat with one of their agents. They can provide you with a more detailed quotation depending on your individual situation and coverage requirements.

Keep in mind that rates might fluctuate over time, so it’s a good idea to examine your insurance regularly to ensure you have the coverage you need at a competitive price.

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How to get an Amica Auto Insurance quote

amica auto insurance quote

Obtaining an Amica Auto Insurance quote is a basic process. You can get an amica car insurance quote via their website or by contacting Amica directly. Here’s a step-by-step instructions:

Online Quote:

Then you need to provide some information and answer questions like:

Then you need to call 855-862-3026 to talk with a professional and continue your quote.

Contacting Amica Directly:

You can call Amica at 800-242-6422 to get the actual quotation price for your vehicle.

Remember to have important information on available when obtaining a quote, as accurate facts will help guarantee that the estimate is personalized to your unique needs.

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Pros and Cons of Amica Auto Insurance

Here, is a full list of all the pros & cons of amica auto insurance:

Pros of Amica Auto Insurance:

1. Customer Service: Amica has received high recognition for its exceptional customer service. The organization frequently performs well in customer satisfaction polls and reviews.
2. Financial Strength: Amica’s A+ rating from Better Business Bureau, and AM Best demonstrates its ability to meet policy commitments and manage claims efficiently.
3. Coverage Options: Amica provides a variety of coverage alternatives, enabling clients to tailor their policies to their unique needs.
4. Discounts: The company offers a variety of discounts, including multi-vehicle, multi-policy, safe driver, and loyalty discounts, which help clients save money on their premiums.
5. Online Tools and Resources: Amica prioritizes digital accessibility, offering online tools and a smartphone app for simple policy management, bill payment, and claim reporting.
6. Claim Satisfaction: Amica is well-known for its fair and timely claims processing, with many consumers expressing satisfaction with the company’s handling of claims.
7. Financial Stability: Amica Mutual Insurance firm is a mutual firm owned by its policyholders, which may explain its emphasis on client happiness and long-term viability.

Cons of Amica Auto Insurance:

1. Pricing: While many consumers find Amica’s premiums competitive, other people may discover that alternative insurers are cheaper, depending on their situation.
2. Limited Availability: Amica is not offered in every state, which can be a drawback for people who live in places where the company does not operate.
3. Digital-First Approach: While emphasizing digital tools benefits many clients, many who prefer traditional communication routes may find this approach less enticing.
4. Strict Eligibility Criteria: Some discounts or policies may have strict eligibility requirements, limiting access to certain persons.
5. Quotation process: Amica does not provide an online quote. However, they obtain all of your information and request that you phone them.

When evaluating Amica Auto Insurance, individuals should consider their specific needs, location, and preferences. While Amica has numerous advantages, it is critical to examine the benefits and negatives to determine whether it is the best fit for a certain individual or family.

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Amica Auto Insurance Customer Service

You can contact Amica Auto Insurance Customer Service through the following methods:

Phone: You can contact Amica’s customer service hotline at 800-242-6422 to talk with a representative. The phone number is normally listed on their official website.

Social Media: Amica has a presence on sites such as Facebook and Twitter, so reach out to them.

Mail: If you want to send Amica any mail then you can send it to this address:

Amica Mutual Insurance Company
PO Box 9128
Providence, RI 02940-9128

Send a message online: You can also send Amica any message online then you can use their contact form.

Live chat online: You can also chat with amica live. Amica’s representatives are available to help on Weekdays: 6 a.m. – midnight ET, and on Weekends: 7 a.m. – midnight ET.

To speed the process, have your policy details and any necessary information ready before calling out. If you have an urgent issue or require immediate assistance, phoning their customer service hotline is frequently the quickest option to reach a representative.

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Amica Auto Insurance Reviews & Ratings: What Others Are Saying

There are many third-party websites like Trustpilot and Better Business Bureau where we can find reviews on amica car insurance from real users.

Amica auto insurance reviews On Trustpilot: There are more than 3K reviews on trustpilot with 4.4 stars and excellent ratings.

Amica car insurance reviews On BBB: There are 71 reviews on trustpilot with 1.21 stars and A+ ratings.

Amica auto insurance rating: AM Best has given an A+ amica car insurance rating.

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Comparisons: Amica Auto Insurance vs. Competitors

Several reliable auto insurance providers might provide alternatives to Amica Auto Insurance. The ideal option for you is determined by your specific demands, location, and preferences. Here are some reputable vehicle insurance providers worth considering:

1. State Farm:
   • Pros: Extensive network, competitive rates, and a variety of coverage options.
   • Cons: Customer service reviews can vary.
2. GEICO:
   • Pros: Known for affordable prices, user-friendly web tools, and a variety of offers.
   • Cons: Some customers report less personalized service.
3. Progressive:
   • Pros: Innovative features, a diverse range of coverage options, and a user-friendly interface.
   • Cons: Customer service reviews are mixed.
4. Allstate:
   • Pros: Unique features include Claim Rateguard, extensive coverage options, and an easy-to-use mobile app.
   • Cons: Premiums may be higher for some individuals.
5. USAA (for military members and their families):
   • Pros: Highly rated for customer satisfaction, tailored to military needs.
   • Cons: Limited to military members and their families.
6. Nationwide:
   • Pros: Broad range of coverage options, vanishing deductible program.
   • Cons: Some customers report higher premiums.
7. Liberty Mutual:
   • Pros: Multiple coverage options, personalized policies, and multiple discounts.
   • Cons: Pricing can be higher for some individuals.
8. Farmers Insurance:
   • Pros: Diverse coverage options, discounts, and local agent availability.
   • Cons: Pricing may not be as competitive in some regions.

Before making a selection, get individual quotations from many insurers and carefully evaluate policy terms. Consider your coverage options, pricing, incentives, and customer service.

Reading customer evaluations and comparing satisfaction ratings can also provide insight into other policyholders’ experiences with each firm.

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Final Verdict: Is Amica Auto Insurance the Right Choice for You?

Amica Auto Insurance is a fantastic alternative for people who value exceptional customer service, extensive coverage, and rapid claims processing. Amica meets a wide range of needs because of its great reputation for dependability and a variety of customizable policies.

However, its availability is limited in some places, and a digital-first approach may not be appropriate for everyone. If you value superb customer service and a personalized approach, Amica is an excellent alternative.

Before deciding whether Amica is the best fit for their vehicle insurance needs, prospective policyholders should assess their priorities, compare quotes, and consider personal preferences.