Founded in 1907, Amica is widely considered to be the oldest provider of mutual auto insurance in the United States. Since its early beginnings, the company has expanded considerably, now holding nearly two million insurance policies. Clients can also purchase other types of insurance, including home and wedding/event insurance, as well as savings vehicles, such as annuities.
Today, however, what we are going to do is take an in-depth review of what Amica is and what it can offer. In this way, and after reading other Amica auto insurance reviews, you get to make a well-informed decision whether or not this is what you’re looking for.
What Does Amica Offer?
Amica offers plans that give clients a chance to have customizable yet comprehensive coverage, adding features as needed. There are numerous options available, including:
- Collision Coverage
Collision coverage policies can be tailored to your needs, covering as much or as little as you want when it comes to damage to your car.
- Medical Coverage
If you or your passengers are injured in a collision, Amica’s medical coverage is there for you. This feature ensures that medical expenses are paid if you or your passengers are injured in an accident caused by you or caused by other drivers who do not have insurance.
- Liability Coverage
Drivers who are responsible for collisions are covered by liability add-ons.
There are certain services that are offered to all clients of Amica, at no extra charge, regardless of the nature or extent of the policy purchased. These services include:
- No charge lock replacement in the event that your keys are lost or stolen
- Compensation should you have to appear in court on the company’s behalf or at their request
- Bail bond coverage in the event that you are arrested for any crime related to an automobile accident
- Free airbag replacement after inflation without a deductible
- If your glass can be repaired, Amica does not charge a deductible
- Depreciation is not deducted when new cars are declared to be a total write off within one year of purchase
- Roadside assistance is available for Amica policyholders 24 hours a day, seven days a week, regardless of location
In particular, Amica offers a ton of perks when it comes to their additional rental coverage plans, as well as divined policies.
- Additional Rental Coverage
Rental coverage applies when you are waiting for your car to be repaired following a collision. Purchasing additional rental coverage gives you a chance to extend your usual insurance benefits to your rental car, even when using it for personal or work-related reasons.
- Dividend Policies
Amica is a mutual insurance company, which means that it is wholly owned by policyholders. If you want to receive a portion of company profits, you can opt to buy a dividend policy.
Even though dividends are not guaranteed when clients purchase such plans, Amica has been paying them out for the last 100 years. Dividend policies are a bit pricier up front, but they do pay off more over time.
J.D. Power and Associates gave Amica the highest customer service score possible. They based this on Amica auto insurance reviews from customers and other factors, including:
- The initial claims process
- How insurance agents handle claims
- The estimation process
- Ease and speed of the repair process
- The claims settlement process
Additionally, the same organization ranked Amica fifth overall in their insurance shopping study. Notable areas included pricing, policy offerings, customer service, and overall satisfaction.
Amica aims to process claims as quickly as possible. What’s more is that they give customers a chance to file reports over the phone, from their smartphones, or online 24 hours a day, seven days a week.
The process begins by gathering as much information about the collision as possible, including details about the other party. If the police are involved, claimants do need to eventually obtain a copy of the report, though it is not necessary to start a claim.
Next, an Amica representative gets in touch to schedule an estimate. While those must be arranged through pre-approved service centers, all repairs can be done by the mechanic of your choice.
Amica has been in the insurance business for well over a century. As a result, you can trust them to maintain their spot as one of the top insurance providers in the country. There is a huge focus on customer satisfaction that has only increased as the company ages, which means that you are guaranteed excellent service.
Additionally, the company has diversified over the years, offering a wide range of insurance products. This gives them financial security, having received an A+ financial strength rating from AM Best.
Value for Price
While Amica does charge slightly more for its policies, there are numerous discounts available. These include discounts for drivers who own vehicles that have certain safety features, long-term customers, customers who insure multiple vehicles, and people who enroll for e-billing or auto-pay plans.
Students can also benefit from Amica auto insurance plans. How so? Amica offers excellent discounts for high school and college students who maintain good grades.
Who Is this Best for?
In general, anyone who is looking for auto insurance can find a policy and a combination of features that work for them. Clients interested in who want to earn money from their plans, in particular, may be happy with all that dividend policies can offer.
High-achieving students, safe drivers, and people with multiple vehicles or properties may also be drawn to the advantages offered by Amica plans.
What to Look Out for?
There are a few things that potential clients should be aware of before signing up for policies according to Amica auto insurance reviews. First, rates, deductibles, and coverage options do vary depending on which state you reside in. It is important to contact an agent to confirm that the plan options you want are available in your area.
Another thing to watch out for is that a lot of the deals and savings offered are for those who use things like e-billing and online transactions. Clients who want to deal with local agents or who prefer to pay their bills at the bank or by mail may not be eligible for all the discounts available.
The high customer service ratings and overall satisfaction scores mean that you are likely to have a positive experience setting insurance up and dealing with claims. As a financially secure company, you can also trust that Amica is not going to go bankrupt or experience any severe losses in the near future.