Choosing the right option is always a challenging task for people looking for car insurance in America. That’s why we bring you a detailed review of Amica Auto Insurance.
In this article, you will learn what Amica Car Insurance is, what a good insurance company it is, and what coverage options it offers you. Additionally, we will also discuss important aspects like Amica Car Insurance Costs, Rates for Teens, and Car Insurance Discounts.
Additionally, we will also compare its rates with other insurance companies so that you can make the right decision. Read this article till the end for complete information and choose the most suitable insurance option for you.
Amica Auto Insurance Overview
Amica Auto Insurance is an ancient and trusted insurance company, which has been providing its services in America since 1907. It is renowned for its wide coverage options and excellent customer service.
Amica offers plans like liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Its “Dividend Policies” offer customers the opportunity to save by returning part of their premium.
Amica has received high rankings in customer satisfaction and also offers discounts like multi-policy discounts, loyalty discounts, and safe driving rewards. This company is a symbol of reliability and quality service.
What is Amica Auto Insurance?
Amica Auto Insurance is a reputed insurance company known for its reliability and excellent services in the US. The company was established in 1907 and consistently receives high rankings for customer satisfaction.
Amica offers its customers a comprehensive range of personal and commercial auto insurance coverage. Its services include Liability Coverage, Collision Coverage, Comprehensive Coverage, and Uninsured/Underinsured Motorist Protection.
Its unique features include its “dividend policies”, which give policyholders a portion of their insurance premiums back. Furthermore, Amica is also praised for its fast and efficient customer service, making it an attractive option for both new and experienced drivers.
Is Amica a good insurance company?
Amica has received high ratings multiple times from prestigious organizations such as “J.D. Power”, making it one of America’s top insurance companies. Its benefits are as follows:
- Customer Service: Amica is known for its high quality customer service. Customers can contact their team for assistance at any time.
- Flexibility: Amica offers a variety of coverage plans, making it suitable for every type of driver.
- Discounts: The company offers a variety of discount options, such as multi-policy discounts, loyalty discounts, and safe driving discounts.
- Fewer complaints: Complaints against Amica are significantly lower compared to the national average.
Although Amica Auto Insurance rates may be a little higher than other insurance companies, its high quality services and customer satisfaction make it a strong choice.
Amica Car Insurance Coverage
Amica Car Insurance offers comprehensive protection to its customers. This includes Liability Coverage, Collision Coverage, and Comprehensive Coverage, which keep your car safe in case of accidents, natural disasters, and theft.
Additionally, services like Uninsured Motorist Coverage, Medical Payments Coverage, and Roadside Assistance make it even more useful. Amica’s coverage offers flexibility and reliable services.
Types of coverage provided by Amica
Amica Car Insurance offers comprehensive and flexible coverage options to its customers. It offers a range of plans designed to meet different needs, making it suitable for every type of driver. Below are Amica’s major coverage options:
Liability Coverage:
- This coverage covers liability for bodily injury and property damage caused to third parties.
- It is legally mandatory in almost every state.
Collision Coverage:
- Collision coverage covers damage caused to your car, whether the accident was caused by your fault or by another vehicle.
Comprehensive Coverage:
- This coverage covers losses caused by theft, fire, flood, and other natural calamities.
- It is ideal for those who want to keep their car safe from all kinds of risks.
Uninsured/Underinsured Motorist Coverage:
- This coverage comes in handy in cases when an accident occurs with a driver who is uninsured or inadequately insured.
Medical Payments Coverage:
- It covers medical expenses for the driver and passengers, regardless of who is at fault in the accident.
Personal Injury Protection (PIP):
- This is also called “no-fault insurance” and covers medical expenses and lost wages.
Rental Reimbursement Coverage:
- This coverage covers your rental car expenses if your car is under repair due to an accident.
Roadside Assistance:
- This coverage provides assistance for tire replacement, towing, and other emergency services.
Benefits of Amica Coverage:
- Customizable Plans: Amica allows customers to customize plans as per their budget and needs.
- Avail Discounts: You can avail car insurance discounts, such as safe driving discounts and multi-policy discounts.
- Reliability and Customer Service: Amica has been recognized for its excellent service and customer satisfaction.
Amica’s coverage is designed with every type of driver in mind. Whether you are a new driver or an experienced one, Amica is ready to provide you with safety and peace of mind.
Amica Car Insurance Costs
The cost of Amica car insurance depends on several factors, such as state, driving history, and your age. Insurance premium rates vary from state to state, with accident rates and local laws playing an important role.
Drivers with clean driving records get lower premiums, while drivers with tickets or accidents may have to pay more. Premium rates tend to be higher for young drivers, especially 18-year-olds, but discounts like the Good Student Discount and Safe Driving Program can lower these rates. Amica’s transparent pricing makes it an attractive option.
Amica Car Insurance Cost by State
The cost of Amica car insurance depends on where you live. The average premium may be lower in some states, while it may be higher in others. This difference is due to various factors such as accident rates, local laws, and climate.
For example:
| State | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Connecticut | $556 | $379 |
| Massachusetts | $118 | $76 |
| New Jersey | $517 | $428 |
Amica Car Insurance Rates Based on Driving History
Your driving record has a significant impact on insurance premiums:
| Driving History | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Clean record | $405 | $328 |
| With speeding ticket | $583 | $472 |
| With at-fault accident | $615 | $499 |
| With DUI | $628 | $508 |
Amica Car Insurance Costs by Age
Insurance costs vary by age:
| Age Group | Average Cost |
|---|---|
| 20 – 29 | $453 |
| 40 – 49 | $331 |
| 30 – 39 | $331 |
| 50 – 59 | $289 |
| 60 – 69 | $259 |
| 70 – 79 | $256 |
| Teens | $436 |
Amica Car Insurance Rates for Teens
Teen drivers face higher premiums because they are more likely to be involved in accidents. However, Amica offers some discounts:
- Good Student Discount: Teens with good grades can get a discount.
- Driver Training Program: Discounts available upon completion of training.
Amica Average Car Insurance Rate for 18-Year-Old Drivers
| Company | Full Coverage | Liability Coverage |
|---|---|---|
| Country Financial | $2,226 | $1,401 |
| USAA | $2,847 | $1,030 |
| Erie | $3,086 | $1,264 |
| State Farm | $4,128 | $1,811 |
| Farm Bureau | $4,451 | $1,574 |
| Geico | $5,048 | $2,044 |
| American Family | $5,413 | $2,364 |
| Travelers | $5,758 | $2,655 |
| Allstate | $7,668 | $3,399 |
| Nationwide | $7,743 | $3,371 |
| Progressive | $8,495 | $3,193 |
| Amica | $9,052 | $4,071 |
| AAA | $9,111 | $4,075 |
| Farmers | $9,354 | $4,227 |
Amica Car Insurance Discounts and Savings
Amica Car Insurance offers several discounts to customers to reduce costs. Prominent among these are multi-policy discount, safe driving discount, and good student discount.
Additionally, options like auto pay discounts and e-paperless discounts increase your savings. Discounts are also available for remaining claim-free for a long period of time or completing a driver training course. These options make insurance affordable and convenient.
Amica Car Insurance Discount
Amica Car Insurance offers a variety of discounts to customers to reduce their premium costs. These discounts are not only financially beneficial, but they are designed to suit different needs. Here is a list of the major discounts offered by Amica:
- Multi-Policy Discount: If you take out more than one insurance policy with Amica, such as car and home insurance, you may get a discount on the premium.
- Loyalty Discount: You are given a loyalty discount if you are a long time Amica customer.
- Safe Driving Discount: If you have a clean driving record and have been accident-free, you may be able to receive this discount.
- Good Student Discount: This relaxation is for students who achieve good grades in their studies. This is especially beneficial for teen and young drivers.
- Auto Pay Discount: If you set up automatic payments, you can save on your premium costs.
- E-Paperless Discount: Amica offers this discount when you choose the paperless billing option.
- Claim-Free Discount: Amica offers you a discount if you don’t make any claims for several years.
- Driver Training Discount: This discount is available if you have completed an accredited driver training course.
Benefits of Amica Rebate:
- Cost Savings: These discounts can reduce your insurance costs to a great extent.
- Promote safe driving: Safe driving incentives motivate good driving behaviour.
- Customization for individual needs: Amica’s discounts are suitable for different types of customers.
Comparing Amica Car Insurance Rates
Amica Car Insurance is reliable for its premium rates, but it can be a bit expensive when compared with other insurance companies. However, its high quality service and benefits make it a good choice. Here is a comparison table that compares Amica with other companies:
| Company | Full Coverage | Liability Coverage |
|---|---|---|
| USAA | $1,199 | $398 |
| Erie | $1,270 | $497 |
| State Farm | $1,487 | $597 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Farm Bureau | $1,931 | $548 |
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Amica | $2,548 | $1,098 |
| Allstate | $2,609 | $1,158 |
| Farmers | $3,091 | $1,188 |
| AAA | $3,835 | $1,520 |
Conclusion
Amica Auto Insurance is a great choice for those looking for comprehensive coverage, flexibility, and excellent customer service. Whether you’re a young driver, an experienced driver, or hoping for discounts and savings, Amica offers customizable options for you.
Although its rates may be higher than some other companies, its high quality and reliability make it stand out.