2022 Amica Auto Insurance Review • Pros, Cons & More • Benzinga

Who’s Amica Auto Insurance coverage for?

Based in 1907 as a mutual insurance coverage firm, Amica has stored its mutual firm construction, owned by its prospects and paying dividends on certified insurance policies. In some ways, Amica is among the best-kept secrets and techniques within the insurance coverage business, missing the family identify recognition of another opponents however outperforming a lot of those self same opponents in regard to buyer satisfaction.

Relying on coverage kind, and typically by location, Amica gives two sorts of coverages: each dividend-paying insurance policies and non-dividend insurance policies. Aggressive premiums mixed with excessive buyer satisfaction scores make Amica a superb alternative for customers who search total worth, and never simply the bottom auto insurance coverage charges.

Of word, Amica’s dividend-paying auto insurance coverage insurance policies are presently not obtainable in California, Florida, Hawaii, Massachusetts, Missouri, North Carolina, New Jersey and Texas.

Amica Car Insurance coverage Coverage Varieties

Amica doesn’t supply the complete gamut of insurance coverage merchandise that a few of its opponents convey to the market. Moreover, some insurance coverage merchandise might not be obtainable in all places.

For instance, a buyer should purchase auto insurance coverage by Amica in New Jersey but when that very same buyer owns a motorbike, the bike must be insured by one other firm. Amica does not write bike insurance coverage in New Jersey. We discovered the identical limitation as marine insurance coverage, which covers boats or private watercraft.

As a result of some coverage sorts aren’t obtainable in some states, selecting Amica for auto insurance coverage in case you personal extra automobile sorts might require buying extra insurance coverage insurance policies elsewhere. Homeowners of specialty or leisure autos are probably accustomed to having insurance policies with a number of insurers because of the want for specialised insurance coverage for these autos.

Whereas not all coverage sorts can be found in all states, Amica gives a lot of these automobile insurance coverage:

Auto: Amica’s auto insurance coverage insurance policies are amongst its core merchandise. In most states, Amica gives a alternative of dividend or non-dividend insurance policies for auto insurance coverage.

Bike: Bike insurance coverage is not obtainable in all states. In states the place bike insurance coverage is on the market by Amica, a further low cost is on the market by bundling auto and bike insurance coverage with the insurer. 

Boat/Private Watercraft: Boat/private watercraft will not be obtainable in all states, both.

Amica Auto Insurance coverage Coverage Choices

Legal responsibility: Auto insurance coverage legal responsibility protection pays towards bodily damage legal responsibility and property injury legal responsibility. Protection limits choices might range by state however almost each state requires a minimal stage of legal responsibility protection. State minimal ranges are usually not beneficial as a result of as soon as coverage limits are exhausted, any remaining legal responsibility after the coverage limits have been reached turns into the accountability of the insured.

Collision: Collision protection is required by most auto senders, however continues to be a standard protection for autos lower than 10 years outdated, even when the automobile is paid off. This protection pays towards restore or substitute for injury attributable to impression with one other automobile or a stationary object. As an added bonus with Amica, new autos which might be declared a complete loss is not going to be depreciated in a declare in the course of the first yr of possession. This function prevents a state of affairs the place you would owe cash on a brand new automobile you not have on account of a complete loss declare.

Complete insurance coverage: Whereas collision protection pays towards injury to your automobile on account of an impression with one other automobile or stationary object, complete protection helps to cowl injury to your automobile on account of most different causes. Hearth, theft, vandalism, impression with an animal, and glass breakage is all coated with collision protection, topic to coverage limits and chosen deductibles.

Medical: Protection choices to your personal medical care and medical take care of different drivers in your coverage if injured by an vehicle will range by state, with some states providing a construction known as med pay and different states providing a special construction known as private damage safety.

Highway Service: As an possibility, Amica gives roadside help to policyholders. Coverages embody towing, flat tire restore, jump-starts, and gas supply in case you run out of gasoline.

Platinum Alternative Auto: Amica’s Platinum Alternative Auto coverage gives all the usual coverages anticipated, with a number of extra options obtainable. Good Driving Rewards helps you to earn factors you need to use later to waive an accident surcharge or pay down (and even remove) your deductible in case you have a declare. Factors will be earned by referring others to Amica, by including new insurance policies with Amica or renewing current insurance policies, or by good driving.

Coverage Choices Score: 5 Stars

Accessible Reductions

House owner Low cost: Much like many different auto insurers, Amica’s charges will usually be decrease if you’re a home-owner. Moreover, the corporate touts that as much as 15% in financial savings on premiums can be found when bundling each residence and auto insurance policies with Amica. Including extra insurance policies, akin to an umbrella or life insurance coverage coverage, can additional enhance reductions for bundling.

Tenure: For those who’ve been constantly insured with one other auto insurance coverage firm for a number of years after which change to Amica, you might be eligible for a further low cost.

Buyer loyalty: In a enterprise the place charges typically enhance at renewal, seemingly with none good purpose, it is refreshing to discover a firm that gives a buyer loyalty low cost. Your time invested as a buyer of this insurer is rewarded with a reduction.

Multi-car low cost: Including automobiles to your coverage will generate a multi-car low cost on all of the automobiles in your coverage. Conversely, in case you have a number of automobiles in your coverage and are incomes a multi-car low cost and also you take away all however a type of autos, the remaining automobile will lose the multi-car low cost.

Driver coaching reductions: Driver coaching programs, typically provided by colleges, present a reduction for youthful drivers. Amica additionally gives a reduction for drivers who’ve accomplished an authorised defensive driving course for accident prevention. The supply of this low cost could also be restricted by age in some states.

Invoice fee reductions: Further reductions can be found for both paying your invoice in full or for selecting computerized funds.

E-Invoice low cost: Amica gives a reduction to drivers who choose to obtain their payments and coverage paperwork electronically.

Good scholar low cost: Reductions can be found for good college students or college students away at college, with the away-at-school low cost obtainable if the campus is greater than 100 miles away from residence.

Accessible Low cost Score: 5 Stars

Amica Auto Insurance coverage Protection Alternatives

Necessary Coverages & Issues: Key protection areas for an auto insurance coverage coverage are usually standardized however guidelines and protection choices might range by location as a result of insurance coverage is regulated on the state stage.

Legal responsibility: Legal responsibility protection will be regarded as protection for different individuals and for different individuals’s property. Most insurance policies will escape these coverages independently, permitting customers to decide on their very own protection limits for every kind of protection.

The commonest construction this known as cut up limits, which permits separate protection quantities for bodily damage to at least one individual, bodily damage legal responsibility for the complete accident, and for property injury. With a cut up restrict coverage, impartial limits will be chosen for every protection.

Practically all states require a minimal stage of legal responsibility protection, however most customers will wish to select limits greater than the state minimums to guard their property from legal responsibility lawsuits. A typical alternative the protection limits for householders is $100,000 for bodily damage for a single individual, $300,000 for bodily damage for the complete accident, and $100,000 for property injury legal responsibility.

Collision: Auto insurance coverage collision protection pays for the restore of your automobile if broken on account of an impression with one other automobile, a stationary object, or in automobile rollovers. This protection is required by most auto lenders to guard their funding however many customers hold this protection in place after the automobile is paid off.

Keep in mind that collision protection is protecting the depreciating worth of your automobile. An older automobile is price lower than when it was new. Correspondingly, collision protection for an older automobile often prices lower than for a more recent automobile, assuming the identical driver or no different adjustments in ranking standards, making this protection extra reasonably priced for older autos.

Complete: Auto insurance coverage complete protection is also referred to as “apart from collision” protection. This alternate identify makes the protection very straightforward to know as a result of it covers most sorts of injury to a automobile that isn’t attributable to a collision.

Hearth, theft, vandalism, impression with animals, different injury attributable to animals, and glass breakage all fall inside the realm of complete auto insurance coverage protection. Watch out together with your chosen deductibles for this protection. Selecting a excessive deductible often does not save a lot cash in your premiums and might stop you from making smaller claims as a result of the deductible is greater than the restore quantity.

Medical: Relying in your state of residence, you’ll often have one in every of two choices for medical funds in your vehicle insurance coverage coverage. These selections, med pay or private damage safety, will typically have a number of protection choice choices of their very own.

Private damage safety, within the states the place it is obtainable, is a extra complete resolution for accidents suffered by you or the coated drivers in your coverage as a result of it contains choices for different losses, akin to misplaced pay. When discussing your auto Insurance coverage coverage with an agent, make investments essentially the most time in the course of the dialog on legal responsibility protection and medical fee choices.

These are the 2 areas of your coverage that may create essentially the most private monetary publicity if not structured correctly to your particular person wants.

Different Insurance coverage Supplied by Amica

Amica does not have the identical breadth of product choice as that provided by some opponents, however the core merchandise, which meet the wants of most households, are well-represented.

Reductions can be found for bundling insurance policies, so an auto coverage can earn a reduction by including a house insurance coverage coverage, a renter’s insurance coverage coverage, an umbrella coverage, and/or a life insurance coverage coverage.

Amica additionally gives:

• Residence insurance coverage
• Life insurance coverage
• Small enterprise insurance coverage
• Bike
• Marine
• Occasion insurance coverage
• Annuities

Completeness of Line Score: 4 Stars

Buyer Service

Name 1 (800) 242-6422 obtainable 24 hours a day, and comply with the prompts. Hours of operation: Monday-Friday, 8:30 a.m. to 4:30 p.m.

Businesses: Amica does most of its gross sales and customer support on-line or by telephone. As such, there is not a brick-and-mortar presence moreover a small scattering of customer support facilities. Regardless of the corporate’s lack of a large company community, Amica persistently garners excessive marks for customer support, together with claims service.

Web site: As could also be anticipated for a corporation with little retail presence, Amica’s web site options almost all of the instruments and knowledge a client would possibly want to coach themselves relating to protection, to bind insurance policies, and to handle current insurance policies.

Cell app: Amica gives a cell app, which allows prospects to make funds for his or her auto or different insurance policies with Amica. Prospects can even place claims, view insurance coverage ID playing cards, or request roadside help by Amica’s cell app.

Buyer Service Score: 4 Stars

Claims Help

The opportunity of a declare is the explanation we buy insurance coverage and Amica is rated above common for declare satisfaction. The corporate’s dedication to customer support carries over into declare service, recognizing that claims are the first purpose that prospects buy and that delivering persistently good declare service helps the corporate to take care of and develop its buyer base.

Another opponents with equal scores in value or product choice start to falter in the case of their scores for customer support or declare service. By all appearances, Amica is placing its deal with the fitting areas to learn its prospects.

Claims will be positioned by telephone, on-line, or by the cell app. Declare standing will also be monitored on-line for the cell app.

Claims Help Score: 5 Stars

Pricing and Worth

Amica was awarded 4 stars for pricing by prospects surveyed in JD Energy’s 2017 Insurance coverage Buying Examine. This ranking ties the insurer with a small handful of opponents bested solely by USAA, which scored 5 stars for pricing.

Value is definitely an essential consideration in lots of households, however total worth typically trumps value alone. Prospects who place a precedence on customer support and declare service will discover worth in Amica as an auto insurer.

Assuming that your insurance coverage wants aren’t too unique, Amica gives a stable product for auto insurance coverage, householders insurance coverage and different widespread insurance coverage sorts. The supply of dividend-paying insurance policies in some states can improve the worth of an already robust providing.

Closing Ideas

With regard to cost, insurance coverage firms fall into three teams: least costly, common, and most costly. Nevertheless, premium prices do not inform the entire story. When you will have a declare or require customer support, suppliers with a cheaper price can price extra in time, frustration, or less-than-perfect claims efficiency. Amica gives a aggressive value with out sacrificing customer support, and for many coverage sorts, it excels in declare satisfaction.

As for caveats to an total constructive overview, Amica’s weaknesses are in policy-type choices, restricted availability of dividend-paying insurance policies, and its lack of a brick-and-mortar presence, stopping face-to-face consultations with an agent.

Prospects who’re comfy doing their insurance coverage enterprise on-line however with the help of a top-notch customer support telephone workforce will probably discover distinctive worth in Amica’s product providing and its dedication to customer support excellence.

General Score: 4.67 Stars

Often Requested Questions