|Best for||Anyone who values excellent customer service; people on a budget|
|Not for||Those who would like extensive web resources; those with specific needs such as classic car owners|
|Discounts||Loyalty (2 years)
claims-free (3 years)
legacy (under 30, parents have had policy for 5 years)
|States served||All states except Hawaii|
|In business since||1907|
|Better Business Bureau rating||A+|
|AM Best Rating||A+|
|Standout features||Dividend-paying policies, excellent customer service, competitive pricing|
Amica auto insurance offers policies consumers can customize to meet their coverage needs. Once you apply for a quote online or begin working with an agent, you can choose among several coverage limits, deductibles, and add-ons that fit with your lifestyle and help you sleep better at night. Amica promises savings of up to 25% when you insure more than one vehicle under the same policy or up to 15% when you insure your home and your car. Amica also offers free insurance quotes online, which makes shopping around for auto insurance a breeze.
If you’re in the market for a new auto insurance policy, it’s smart to consider Amica and all they have to offer. Keep reading to learn more about this company, how it’s rated by third party rating agencies and its own customers, and how to sign up.
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Amica Auto Insurance Review: Key Takeaways
- Save up to 25% when you insure more than one vehicle.
- Save up to 15% when you combine Amica auto insurance with a homeowner’s insurance policy.
- A+ (Superior) rating for financial strength and claims payment ability from A.M. Best Company.
- 95% retention rate among homeowners and auto insurance customers.
- Get a free, no obligation quote online.
- Multiple discounts available.
- Some policies pay back dividends to the policyholder.
- Budget-friendly policy options for those with limited financial resources.
Auto insurance on a budget
Amica may be your best budget-friendly option for insurance. Your quote will depend on your own circumstances: your credit rating, the type and age of your car, whether you’re a good driver and more, but those on a budget should definitely consider Amica auto insurance.
One way that Amica makes it easy for you to save money is through its dividend program. If you choose a policy with the dividend option, you’ll receive a check once a year from the company for anywhere from 5-20% of your premium costs. If you prefer, you can have your dividend applied to a future policy premium.
Sample quote based on $250K/$500K/$100K coverage
The largest insurer in the U.S., State Farm offers comprehensive insurance policies for auto, home and more. It rates fairly high on J.D. Powers Auto Claims Satisfaction Study, landing in fifth place. Amica tops this list, though, so it has an edge where customer service is concerned.
State Farm’s rates are competitive, and it has a nice array of discounts to allow you to save money on your premium costs.State Farm also features a state-of-the-art website — far surpassing Amica’s sparse one—which allows you to easily handle your insurance business online. If you’re looking for the cheapest auto insurance, however, note that State Farm has a reputation for being on the expensive side — but your rates may vary, and it’s easy to get a free online quote to find out.
Geico is famous for “saving you 15% in 15 minutes”. Geico’s rates are at the low end among national insurers and, depending on your circumstances, may be lower than Amica’s.
J.D. Power likes Geico, giving it fourth place in its Auto Claims Satisfaction Study, however it only gets three Power Circles compared to Amica’s five. Geico’s discounts are generous and include a possible 25% savings for air bags, 25% off for going five years without an accident and 25% for having an anti-theft system. You’ll also save with a multi-vehicle policy and if you bundle your auto policy with homeowners or renters insurance. Geico’s website and app are clearly laid out and let you do your insurance business online with no hassle.
Allstate offers financial stability along with extensive types of coverage, but it can’t match Amica for customer service, ranking well below average on J.D. Power’s Customer Satisfaction Index. Allstate is also probably not going to give you the lowest rates possible and it has a reputation for raising rates regularly—but, as with State Farm, it’s worth your while to get a quote with the company to see what it can offer you. Depending on the discounts that you qualify for — and there are many of them — you may earn a competitive rate.
Allstate features some nice perks: there’s a unique claim satisfaction guarantee that means you’ll get your money back if you’re not happy with your auto claim. A vanishing deductible takes $100 off your deductible every year you go without an accident (up to $500). And Allstate’s Drivewise program helps you lower your rate even more while giving you real-time feedback on your driving skills.
Amica Auto Insurance: Why You Should Consider It
One factor Amica Mutual has working in its favor is its breadth of experience in the auto insurance industry. Amica is the oldest mutual insurer of automobiles in the country, and it’s been offering coverage in this niche for more than 100 years.
Amica auto insurance offers free quotes online as well as plenty of opportunities to customize your car insurance to meet your needs. You can pay for additional collision coverage, for example, as well as add-on coverage that will kick in if your car is stolen or vandalized.
As you package together your ideal auto insurance policy, you also get to choose bodily injury limits you’re comfortable with (i.e. $250,000/$500,000, etc.) and a deductible that makes sense for your budget. Amica auto insurance policies can also include the following features:
- Uninsured/underinsured motorist coverage: comes into play if you’re in an accident with an uninsured or underinsured motorist.
- Full glass coverage: can replace your windshield or any other broken glass.
- Medical payments: can cover medical bills in the event you or other passengers are injured in your vehicle.
- Rental reimbursement: can reimburse you if you need to pay for a rental car while your own insured vehicle is being repairs.
- Towing and labor costs: can cover towing and labor costs related to your insured vehicle.
Generally speaking, Amica auto insurance offers three main base plans to choose from — basic, standard, and recommended. Where Amica’s basic plans have the lowest coverage levels, its recommended auto insurance plans come with higher coverage limits and more perks. As you shop for a new car insurance policy from Amica Auto Insurance, make sure to consider all the additional coverage you may want as well as the coverage limits you’ll need to feel secure.
How to Get a Quote from Amica Auto Insurance
One big benefit of shopping for car insurance with Amica is the fact they offer free quotes online. You can provide very basic information through the online application and get access to an auto insurance quote in a matter of minutes.
Information you’ll need to provide to receive a free quote includes:
- Your name
- Auto type
- Age you received your driver’s license
- Moving violations in the last three years, if any
- Housing status
- Current auto insurance status
- Add-on coverage you prefer
- Preferred coverage limits
- Discounts you may qualify for
Once you provide this information, Amica will give you a free, no obligation car insurance quote. Within your quote, you’ll have the ability to choose and adjust coverage limits, your deductible, and more.
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Amica Auto Insurance Discounts
Like many other insurance companies, Amica offers several discounts you can qualify for. These
- Multi-policy discount: You can qualify for a discount up to 15% if you bundle an auto insurance policy with a homeowner’s insurance or life insurance policy.
- Multi-car policy: Save up to 25% on auto insurance when you insure more than one car.
- Loyalty discount: Qualify for additional discounts if you’ve been with your previous insurance company for more than two years.
- Driver’s training discount: Auto insurance customers under the age of 21 can qualify for discounts after completing a driver’s training course.
- Good student discount: Student drivers can qualify for lower rates if they have a B average or better in school.
- Upfront payment discount: Pay less overall for your auto insurance policy when you pay for six months of premiums at once.
- Claim-free discount: Save even more when you haven’t had any claims (other than glass or towing) within the last three years. To qualify for this discount, at least one driver on the policy needs to have a minimum of 39 months of driving experience.
- Legacy: If you’re under 30 and your parents have had an auto policy with Amica for five years.
- AutoPay: Receive a discount when you opt to pay your premium using automatic deductions. You’ll also get a discount if you receive bills and policy info electronically.
- Vehicle discounts: Save money if you have devices such as anti-theft, passive restraint, adaptive headlights, electronic stability or a forward-collision warning system.
At The Simple Dollar, we aim to provide a general overview of each insurer’s products and services through a standard rating process. In our auto insurance review Amica comes out on top. We looked at the most recent claims satisfaction and overall customer satisfaction studies from J.D. Power, customer reviews from Consumer Affairs and other sources, and financial solvency reports from A.M. Best. After a thorough research and discovery period, here’s how Amica auto insurance stacks up:
|Amica Auto Insurance at a Glance|
The Bottom Line
Shopping around for auto insurance may not be very fun, but’s an essential task to add to your annual to-do list if you want to make sure you’re not overpaying for this important coverage. Fortunately, Amica Auto Insurance company and others make it possible to get a free quote online without any added hassle or stress.
Before you switch auto insurance companies, we suggest shopping around with at least three to four insurance companies so you know for a fact you’re getting a good deal. Also make sure you’re making an “apples to apples” comparison among policies in terms of their coverage limits, your deductible, and policy add-ons.