Amica Car Insurance Review 2022 – Forbes Advisor

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Amica Auto Insurance

Amica sells all the standard car insurance types you would expect:

Liability insurance: Automobile liability insurance pays others when you are responsible for an accident that causes injury or property damage. It also provides financial protection against lawsuits and can pay court costs.

Collison and full coverage: Collision insurance pays to repair or replace your vehicle if it is damaged or destroyed in an accident, regardless of fault. Damage to your car caused by floods, hail, falling objects, vandalism and collisions with animals is covered by comprehensive car insurance, which also pays if your car is stolen.

Coverage of medical payments: This pays for necessary medical expenses or funeral costs if you or your passengers are injured in an accident (regardless of fault).

Personal Injury Protection (PIP): PIP insurance pays for lost wages, medical expenses and substitute services if you or your passengers are injured in an accident and cannot perform routine household chores such as cleaning your house.

Uninsured/Underinsured Motorist Coverage: This pays for injuries to you and your passengers resulting from an accident with an uninsured or underinsured driver who was at fault. In some states, uninsured motorist coverage will also pay for damage to the car caused by an uninsured driver.

More car insurance benefits from Amica

Gap insurance: For people who lease or finance their vehicles, Amica offers gap insurance, also known as loan/lease insurance. If your car is totaled, this coverage will pay you the difference between the depreciated value of the car and the amount of the lease or loan you still owe. You must purchase it within 30 days of buying or leasing your car.

Rent reimbursement: If your car is being repaired due to a problem covered by your policy, rental reimbursement benefits pay for transportation costs. This can cover expenses for rental cars, ride-sharing services, taxis, trains and buses. Coverage varies by state, but most Amica policies offer $20 per day and up to $600 total.

Roadside Assistance: This coverage helps you if you need to recharge a dead battery, fix a flat tire, run out of gas, get stuck in snow or mud, or need a tow to a repair shop.

Full Glass Coverage: This additional benefit pays to repair or replace your windshield, windows and other auto glass, with no deductible.

Amica’s Accident Forgiveness

If you’re worried about a rate increase after an accident, Amica offers Accident Forgiveness with Good Driving Rewards. With Good Driving Rewards, you earn Advantage Points which you can then use to reduce your insurance costs after an accident.

To earn Advantage Points, you can:

  • Buy a new policy
  • Renew your current policy
  • Refer someone to Amica
  • Spend a year with a clean driving record

In the event of an accident, you can use your points to eliminate your deductible or prevent a rate increase. Plus, Advantage Points never expire, so you can keep accumulating them over time.

Amica Platinum Choice Auto

If you want high-end car insurance that includes a range of bundled cover types, Amica offers Platinum Choice car insurance. With Platinum Choice Auto, you get coverage such as glass repair or replacement, credit monitoring services, and rental car coverage with no daily limit.

Platinum Choice Auto also comes with new car replacement coverage, which will replace your new car with a new one if it is destroyed in an accident. Eligible cars must be less than a year old or have less than 15,000 miles on them.

Amica Car Insurance Rate Comparison

Here are examples of how Amica car insurance rates compare to some of the major competitors. In the states we analyzed, Amica had higher rates than many competitors.

Amica Massachusetts Auto Insurance Rates for Good Drivers

New Jersey Amica Auto Insurance Rates for Good Drivers

Amica car insurance discounts

Amica offers a variety of discounts to help drivers save on their coverage, such as:

  • Loyalty discount for drivers who have been with Amica for two years or more.
  • Bulk discount when you combine two insurance policies, such as home and auto.
  • Multi-car discount when you insure more than one car with Amica.
  • Discount young driver training for drivers under the age of 21 who are following an approved driver training program.
  • Student away from school for full-time students who live away from school without a vehicle.
  • Good student discount for students between the ages of 15 and 25 who obtain a “B” average or higher.
  • Legacy discount for drivers whose parents have had a policy with Amica for more than five years (must be under 30 to qualify).
  • Accident-free reduction for customers who have gone three years without making a complaint.
  • Defensive Driver Training Discount for people taking a qualifying driving course.
  • Dematerialized delivery to receive declarations and documents electronically.
  • Automatic payment discount to set up an automatic payment.
  • Paid in full discount to prepay your full annual premium.
  • Anti-theft discount for vehicles with anti-theft features such as car alarms.
  • Discount on passive restraint for cars with passive restraint devices such as airbags.
  • Discount on adaptive headlights for cars with headlights that adapt to low-light driving conditions.
  • Discount on Electronic Stability Controls for vehicles equipped with stability controls that help cars maneuver on icy or wet roads.
  • Forward Collision Warning Discount for cars with collision avoidance features to help you avoid collisions.

Amica Collision Repair Grade

The CRASH Network, a research and information center for auto repair professionals, annually surveys collision repairers to assess their experience with insurers by asking: “To what extent do claims handling policies, l attitude and payment practices of this company ensure quality repairs and customer service for motorists? The results of the investigation create an insurer’s report card.

Amica received a B+ on the insurer’s report card.

Amica Auto Insurance JD Power Ratings

The JD Power US Auto Claims Satisfaction Study surveys consumers who have filed an auto insurance claim in the past six months. The survey captures consumers’ perception of the entire complaint filing process, from start to finish. Amica ranked very highly, scoring 895 (on a 1,000-point scale), which places it 4th out of 18 rated insurers.

The 2021 United States Auto Insurance Study measures customer satisfaction with auto insurance companies in 11 regions of the United States. Amica was the top-ranked auto insurer in the New England region for the ninth consecutive year.

The JD Power 2021 US Insurance Shopping Study collects insights from consumers who purchase auto insurance at every step of the process. Amica Mutual ranked second among midsize car insurers, scoring 891 on a 1,000-point scale, with American Family ranked first.

Other Amica insurances

In addition to auto insurance, Amica offers coverage for boats, motorcycles, recreational vehicles, and travel trailers.

Amica also markets:

  • Home Insurance
  • Tenant insurance
  • Condominium insurance
  • Umbrella insurance
  • Life insurance
  • Wedding and event insurance
  • Small business insurance
  • Flood insurance
  • Animal insurance

Auto Insurance Complaint Level Comparison

The level of auto insurance complaints against Amica was higher than other major insurers in 2020, based on data from the National Association of Insurance Commissioners. The level of complaints against Amica is also above the industry average.

Brief history of Amica

Founded in 1907 in Providence, Rhode Island, the Automobile Mutual Insurance Co. of America (Amica) began by offering three coverages: automobile, fire and theft. About three decades later, Amica opened its first branch in Boston. In 1956, the insurer extended its offer to home, maritime and personal civil liability deductibles. In 2007, Amica celebrated its 100th anniversary.

Today, Amica is headquartered in Lincoln, Rhode Island, and handles 1.5 million policies as of December 2020.

Amica operates in Washington, DC, and all states except Hawaii.

Methodology

To find the average national auto insurance rates, we used rates from Quadrant Information Services, an insurance data and analytics provider. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 per person liability coverage, $300,000 per accident and $100,000 property damage liability coverage, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and all perils with a deductible of $500.

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