Amica Mutual Insurance Company Review

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The Rhode Island-based Amica Mutual Insurance Company offers a wide range of insurance products and is well-known for its outstanding level of customer service. With Amica, consumers may choose from a wide selection of coverage options and savings.

What do you think of Amica Insurance as an option for you? To discover more about Amica’s insurance products and overall customer satisfaction, read our Amica Mutual Insurance Company Review.

Amica Mutual Insurance Company Review of 2021

Amica Mutual Insurance Review - Amica Mutual Insurance Logo
  • JD Power Rating — For overall customer service, JD Power gave Amica a score that was higher than average, making it one of the better-rated auto insurance companies.
  • Financial strength — An “outstanding” score from A.M Best on Amica’s financial strength implies that the company is well-capitalized and well-positioned to meet its obligations, including paying claims.
  • NAIC Rating — According to the National Association of Insurance Commissioners, Amica had much more customer complaints than the industry average.

Amica car insurance coverage options

Amica offers conventional car insurance choices such as liability (injury and property damage), comprehensive, and uninsured motorist (UIM) protection. However, a number of Amica’s solutions go beyond the basics. As a result, Amica is proud to provide customers coverage options that are not often offered by other major carriers. Take a look at the list below.

Roadside assistance

Amica can help you if you’re having problems with your car or truck. Along the roadside, you’ll find the following kinds of services:

  • Towing (non-accident)
  • Flat tire changing
  • Dead battery jump start
  • Fuel delivery
  • Help to unlock doors

Rental reimbursement

In the case of an accident, this insurance covers the expense of a rental car. In spite of differences in state regulations, most insurance policies cover daily rental expenses up to $20 and annual fees up to $6,000.

Services unique to Amica

  • If you misplace your keys, we’ll replace your locks at no cost to you.
  • Glass that has been damaged can be repaired for free.
  • Deployed airbags are repaired for free.
  • If your old car is totaled, your new one will have no depreciation (must be owned less than one year)
  • Compensation for court appearance-related lost wages
  • Sureties can be provided for bail amounts as high as $1,000.

Platinum Choice Auto

Policyholders have the choice to choose this more expensive form of insurance. The following benefits are not included in standard plans as part of this one.

Accident forgiveness

Advantage Points are used by Amica to figure out discounts and other incentives for good drivers. Earning points is easy when you buy or renew an insurance policy, refer friends to the company, or drive safely for a year. To avoid rate hikes after a claim, you can use the points you accrue to decrease or eliminate your deductible.

Full glass coverage

If you need to have your windows or windshield repaired or replaced, most states require that your comprehensive auto insurance cover the whole cost. Aside from that, you won’t owe anything in terms of damage fees.

Identity fraud monitoring

Included in this coverage are services that maintain tabs on your personal data, such as information monitoring. Amica monitors its clients’ credit files round-the-clock and tells them immediately if anything unusual appears. If a problem arises, Amica will provide assistance from fraud prevention experts.

Prestige rental coverage

Whenever your covered car is involved in an accident, Amica will pay you for a similar rental car up to $5,000 (with no daily limit).

Amica insurance discounts related to the vehicle

Amica offers savings based on your vehicle:

  • Anti-theft. You may save money on auto insurance if your vehicle has authorized anti-theft equipment like a vehicle recovery system or an alarm.
  • Passive restraint. If your automobile has airbags, you may be eligible for a discount.
  • Adaptive headlight. If your automobile has specially built night vision lighting, you may save money by driving at night.
  • Electronic stability. It is possible to save a lot of money by using ESC features.
  • Forward-collision warning. If your automobile has collision-avoidance technology, you’re eligible for this discount.

Amica discounts related to the driver

The amount of money a motorist saves is directly related to his or her driving style. Think about the ways in which your choices might result in you saving money.

  • Defensive driver training. Enrolling in a certified defensive driving course might help you save money on your auto insurance.
  • Driver training. Driver education classes that are recognized by the state of your residence might save you money.
  • Good Student. Students between the ages of 15 and 25 who have earned a “B” average in college or high school are entitled to a discount.
  • Students away at school. You may save money when your full-time student is away at school and without a car.

Amica dividend policy

This makes Amica one of a kind since it adheres to a doctrine known as the dividend policy. An amount equivalent to the premiums you’ve paid is paid out as a benefit under this insurance. On average, yearly fees vary from 5% to 20% of your premium.

While this type of coverage is more expensive up front, it will save you money over time. There are several ways to distribute dividends:

  • Mailed check
  • Automatic direct deposit
  • Applied toward future premiums

Is Amica car insurance right for you?

Amica has a slew of features that are beneficial to the average driver. High customer satisfaction ratings suggest that they go above and beyond to take care of their policyholders’ needs and concerns. The company may also be able to assist you if you need other forms of insurance coverage, such as renter’s, homeowners, or life insurance. If you’re looking for car insurance, costs vary by state, so search around to get the best deals.

As a result, searching around for car insurance should be a regular occurrence, regardless of whether you have any of these factors to consider.

You may check out our review of American National Insurance Review.