Amica Auto Insurance Reviews Consumer Reports - Amica is a good insurance company with excellent customer service but quite expensive premiums - especially for car insurance. Amica doesn't offer many unique discounts, but it does offer some general discounts, such as bundling home and auto insurance, which can lower premiums.
Takeaway Car Insurance: Amica's car insurance premiums are high, prices are much higher than Geico, Progressive or Allstate. But its service is highly rated by drivers.
Amica Auto Insurance Reviews Consumer Reports
Home insurance can be taken away: Amica's home insurance prices are about average, but overall claims service ranks well. If something goes wrong, policyholders are supported by Amica's award-winning customer service team.
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Budget-friendly companies like Geico offer better rates than Amica auto insurance rates.
Experts and customers rate Amica as the best insurance company. Amica customers appreciate having agents who process claims quickly while maintaining a professional demeanor.
Amica agents are rated as knowledgeable and friendly by current policyholders. Negative reviews relate to issues with the company's car insurance premiums rather than its agents or services.
Amica's car insurance premiums are high, but it is regularly rated as a reliable, customer-friendly insurer.
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Amica offers higher than average car insurance rates. Nationwide is the only insurer that offers more expensive quotes than what Amica offers.
In addition to the standard coverage options, Amica allows customers to add add-ons – additional services and protection – to their coverage under the Platinum Choice Auto program.
Accessories are priced individually, but discounts are also available based on various combinations. Prices vary depending on driver profile and state of residence.
If you want to save money through a points-based system or are looking for an accident forgiveness program, consider good driving rewards. Amica Advantage Points can be used to pay a deductible or car accident surcharge – the extra cost you pay on your insurance policy if you're in an accident. The points you earn never expire and you can use them at any time. You can earn Amica Advantage points:
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If you're concerned about identity theft, consider adding Amica's identity fraud monitoring to your auto policy. The service monitors the three major credit bureaus for your credit and personal information. If suspicious activity is detected, you will be alerted within 24 hours. In addition, if your identity has been compromised, you will receive a toll-free number to contact an expert and get advice on what to do next.
If you regularly need to repair your car's windows or windshield, you may want to add full glass coverage to your policy. With this coverage option, car windows and windshields are repaired or replaced at no additional cost. This can save you anywhere from $100 to $1,000 on windshield repair or replacement, depending on the type of vehicle you drive.
This coverage provides up to $5,000 for a similar vehicle rental if your car is involved in an accident. There is no daily limit on how much of the $5,000 you can use. If your vehicle is involved in an accident, the rental car coverage of $5,000 will continue until it expires, you purchase a replacement vehicle, or the vehicle is successfully repaired.
Amica is a mutual insurance company, which means it is owned by its policyholders. As a result, any profits are returned to customers, not investors. A typical dividend payment can be between 5% and 20% of the annual interest rate, the company says.
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You can use the dividend payment however you want – meaning you don't have to put the dividend into your car insurance account, but you can if you want to. Although dividends are not always paid, Amica has a long history of paying bondholders. When you register for Amica, you can choose between a dividend policy or a normal policy. Although dividend policies cost more, they can also provide an annual payout. Other mutual insurance companies offer dividend insurance, but Amica is one of the most popular.
You will not find many unique discounts offered by Amica that are not available with other insurance companies. However, Amica offers almost everything that is considered a standard discount.
Amica's inheritance discount allows drivers under the age of 30 who have their own car liability and vehicle, and whose parents have had a car with Amica for at least five years, to save money. The veteran discount adds to the long list of benefits available to young drivers with Amica insurance.
Maintain a B average in high school or college if you are a student or have a student on your policy.
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Amica home insurance premiums are average compared to similar home insurance companies in the Northeast. In Rhode Island, Amica rates are much cheaper than Merrimack Insurance, but significantly cheaper than Allstate or Narragansett Bay Insurance Company.
In addition to coverage limits, the biggest determining factor in home insurance premiums is the location of the home. Home insurance costs can vary significantly depending on where you live, so the only way to find the best rate for your home is to shop around and compare quotes.
Amica's endorsement options are fairly standard, meaning they are offered by most other insurance companies. The approvals are additions to the home insurance policy, i.e. they are not included in the standard policy.
Auto Accident Claims Involving Amica Insurance
Amica's most unusual feature is that it offers its customers coverage for stolen credit cards as part of its standard home insurance policy.
Automatic home cover protects you if the cost of remodeling or replacing your home exceeds the cover limit. The approval increases residential coverage by up to 30% compared to other competitors' offers.
This endorsement provides policyholders with the full repair or replacement value of personal property up to the policy limit. For example, if your TV is damaged due to a covered loss, you will have to pay the cost of a new, similar version of the TV. Without an endorsement, you will receive your personal property at a reduced value – meaning the compensation you receive from the insurance company will be less than what you paid for the item. In our example, the cost of the TV is deducted from the estimated wear and tear.
While a standard home insurance policy provides limited coverage for valuables, such as jewelry or artwork, scheduled personal title pickups allow you to get comprehensive coverage for accidental damage. For example, if you drop a valuable watch and break it, the endorsement will cover it, but not standard home insurance. If you have more than $1,000 worth of products or multiple expensive items, you may want to add this endorsement to your policy.
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Amica offers earthquake and flood insurance to policyholders. Depending on where you live, your lender or the government may require flood insurance.
Unfortunately, Amica does not offer a long list of home insurance discounts. However, your insurers have access to basic discounts that are quite favorable among insurers.
Keep a policy with Amica for two years or more. The longer your Amica policy lasts, the more you save.
Provide a home that has a temperature monitoring system or a gas leak or water leak detection system.
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Amica's customer reviews are overwhelmingly positive for both auto and home insurance. Customers refer to friendly agents who go out of their way to make themselves available to policyholders. In fact, Amica placed first in the J.D. In Power's 2021 New England Customer Service Satisfaction Study, and in the United States. Ranked fourth in the car claims satisfaction survey. Amica also took first place in a home insurance satisfaction survey.
Amica policyholders can expect a simplified application process for car and home insurance. According to the National Association of Insurance Commissioners, Amica's average complaint index scores for both homeowners and auto insurance are 0.77 and 0.32, respectively. These figures mean that Amica receives significantly fewer complaints than the average insurance company.
Although Amica is not as large as some national insurance companies, it has exceptional claims making capabilities. Amica is rated A+ by A.M. Best, which gives a letter grade based on the company's ability to meet its financial obligations. A+ indicates that Amica is in good financial condition and is the second highest rating available.
Amica is on the affordable side when it comes to car and home insurance. For a sample customer, Amica was the cheapest option for home insurance and more expensive than Geico for auto insurance.
Amica Mutual Company Culture
Geico and Amica auto and home insurance rates are comparable. However, Amica's customer service is rated higher than Geico's.
Yes We think Amica is an affordable insurer with excellent customer service, so it's definitely worth the money if you decide it's the right insurer for you.
To understand how Amica stacks up against its competitors, it collected quotes from Amica and other leading Rhode Island insurers. All prices are national averages
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