My grandmother used to say one can identify a good company through its business age. The logic behind this statement is that in today’s world, it is hard to survive in the business market for lots of business competition. Consequently, if you want to run your company in full swing, you should provide the best service.
Amica insurance is the oldest mutual auto insurance company in the United States. Amica insurance company is well-known for its outstanding customer service and vast coverage options.
You may be tempted to get Amica insurance coverage right now. Isn’t it? At the same time, you may ask, “Is Amica Insurance A Good Company.” Well, Let’s find out the answer.
A brief history of Amica Insurance
In terms of auto insurance, Amica was the nation’s oldest insurer. Amica mutual insurance began selling auto insurance for the first time in 1907, several decades before most people owned cars!
Although it is not the largest insurance provider in the nation, Amica has 1.6 million policies. It has excellent third-party ratings for financial stability and customer satisfaction.
At Amica, customers can find bundle options for car and home insurance. However, Amica does not offer high-quality life insurance policies. Amica initially offered fire, theft, and auto insurance. Life insurance was added in 1970, and homeowners insurance in 1956.
Amica is ranked 823rd in the Fortune 500 rankings. It employs over 3,700 people. Amica insurance is sold by agents who provide customer service.
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Amica Auto Insurance
Let’s say you look at Amica mutual’s auto insurance policies’ surface values. Amica Mutual has a policy for you whether you want to insure a cheap or a high-end sports car! They provide every basic coverage including:
- Basic obligation.
- Comprehensive.
- Protection against bodily harm.
- Collision.
- Theft.
Yet, you must carefully read the insurance policy agreement while buying auto insurance. You will get the following coverage from Amica auto insurance:
- Free Airbag Maintenance
You will receive free airbag repairs every time the airbags deploy, regardless of which Amica mutual policy you are signed up for. Although airbags are designed to deploy only in a collision with another vehicle, motorcycle, or other fixed objects.
- Auto Glass Replacement at No Cost
When a rock flies out of the ruts of an 18-wheeler and smashes right into your windshield, leaving you with a nasty crater, don’t you despise it? If you were to call a typical auto glass repair shop, you would probably pay $75-$100 to fill and seal the crack. So it only grows and ruins your windshield for a while.
However, if you have a policy with Amica mutual insurance, they will pay for all the repairs to your broken or damaged auto glass. They will still cover replacing your entire windshield, but you may need comprehensive auto insurance.
- Assistance for Bail Bonds
While most of us try to drive safely, sometimes we get stuck for a moment and end up speeding down the street, climbing home from work, or even getting into some good old-fashioned road rage, especially if you’re a teenager or first-timer.
Amica Mutual Insurance will pay up to $1,000 toward your bail bonds if your driving misdeeds land you in jail. As a result, they are the only auto insurer in the United States that helps policyholders avoid jail.
- Get reimbursed for the money you lose in court
Amica Mutual Insurance will reimburse you if you have to go to court, regardless of whether the accident was your fault and will pay a portion of your jail bail. Amica Mutual will send a check to your door if you have to call in sick or miss an important event!
Amica Homeowners Insurance
Amica mutual insurance company offers home insurance. In addition to the available add-ons found in most mortgage owners’ policies, here are some special Amica joint protections you can take advantage of as an owner.
- Coverage for natural disasters
All homeowner’s insurance policies offered by Amica mutual automatically include coverage for natural disasters like tornadoes, earthquakes, floods, and blizzards.
Most homeowners’ insurance policies cover every common occurrence, including fires in the dryer, stove, burst pipes, and exploding water heaters. However, few insurers cover catastrophic events unless you pay for them separately.
- Coverage for temporary rental housing
Amica Mutual Insurance will pay you to move somewhere else if the damage to your home will take significant time to repair. Amica Mutual will cover all of your expenses up to a reasonable amount, whether you need to stay in a hotel, rent a house on Air BnB or VRBO, or stay in a family member’s home.
Cost of Amica VS Competitors
| Company | Average Monthly Premium |
| Amica | $144 |
| Allstate | $201 |
| State Firm | $131 |
| GEICO | $129 |
| USAA | $114 |
J. D. Power’s review: An outstanding indicator to justify a company
J. D. Power is America’s consumer research firm. It researches consumers’ data. As a result, they come up with an overall rating for the company. This rating can help you to decide whether a company is good or bad.
- Excellent claims satisfaction (J. D. Power): In the 2021 claims satisfaction study conducted by J. D. Power, Amica received the fourth-highest score.
- Excellent customer satisfaction (J. D. Power): J. D. Power gave Amica high marks for its customer service.
- Strength in finances Superior: Amica’s strong ability to pay claims and excellent financial health are demonstrated by its “superior” financial strength rating.
Discounts on Amica insurance
There are several ways to save money on auto insurance from Amica. Take a look at a few of the ones listed below.
- Car-related discounts from Amica insurance
Amica offers a variety of discounts based on the vehicle itself:
- Anti-theft: You can save money by equipping your car with an approved anti-theft device like an alarm or vehicle recovery system.
- Restraint in silence: You could save money if your car or truck has airbags.
- Special headlight: If your car has special headlights that make it safer to drive at night, you can save money.
- Stability in electronics: Features with electronic stability control can help you save money.
- Warning of forward collision: If your vehicle has safety features, you may qualify for this discount.
- Multiple-auto: Savings of up to 25% are possible when you use Amica to cover two or more vehicles.
- Amica driver-related discounts
The behavior of each driver directly affects these discounts.
- Training for safe driving: You can save money by taking a defensive driving course that has been approved.
- Driver education: By enrolling in approved driver education programs, young drivers can save money.
- Loyalty: You can expect a loyalty discount if you have a policy with Amica for two years or more.
- Claim-free: Get a discount if you do not have a three-year claim.
- Homeownership: Insurance discounts may be available to homeowners.
- Complete payment: Savings may be possible if you pay off your policy premium in full before the due date.
- AutoPay: Using auto-deductions to pay your premium can save you money.
Pros of Amica Insurance
Generally, experts consider Amica one of the best insurance companies. Amica mutual insurance company sees an increase in signups for the following reasons:
- Reduced Monthly Fees
Even though more people know big-name brands, premium fees will be higher due to the company’s multimillion-dollar advertising budget. Whether you buy auto insurance, home insurance, or bundle auto and home insurance policies to save even more money on car insurance, working with a smaller insurer like Amica mutual guarantees that your monthly insurance premiums will be lower.
- Combining car insurance with discounts
If you buy a new life insurance policy and have auto insurance from Amica, you might be eligible for a discount.
- In-person help accessible
Independent insurance agents are not accepted by Amica. Instead, Amica representatives can be reached by phone or in person at any of the company’s nationwide office locations.
- Riders for terminal illnesses included
Your life insurance policy contains terminal illness riders. If you have been diagnosed with a terminal illness and have a life expectancy of less than a year, the rider lets you keep some of your benefits.
Cons of Amica Insurance
- Limited riders
Numerous life insurance companies offer a long list of optional riders that can be added to your policy to make it your own. On the other hand, Amica is much more restricted, so there are fewer options for changing your coverage.
- Quotes for whole life insurance are unavailable online
Amica does not provide online quotes for complete life plans, but you can get quotes for term life insurance. You can call customer service or visit an Amica office to obtain a quote.
- Some customers require medical examinations
On the simplified application, only customers who meet Amica’s requirements will receive coverage without a medical exam. All other customers will have to go through the entire underwriting procedure, including blood work and a medical exam.
Outstanding Customer Service
If you doubt the question “Is Amica Insurance A Good Company,” it will wipe out due to Amica’s high-quality customer service. Amica provides excellent customer service for its clients.
You can talk to the customer service representative by dialing 800-234-5433. Their customer service line is open from 6 a.m. to midnight EST, Monday through Friday, and seven a.m. to midnight EST, Saturdays.
You can also get assistance by going to a nearby Amica office. You can get help choosing a policy, updating your beneficiaries, starting a claim, or making changes to an existing policy in person.
Additional insurance policies by Amica Insurance Company
Amica offers the following insurance policies:
- Life Insurance.
- Marine Insurance.
- Renters Insurance.
- Insurance for motorcycles.
- Insurance for events and weddings.
- Insurance for small businesses.
- Flood coverage.
- Insurance for pets.
- Annuities.
Frequently Asked Questions
In this segment, I have included the most often asked questions about “Is Amica Insurance A Good Company.”
What is the Amica insurance phone number?
During normal business hours, you can call Amica to get in touch. The umbrella, auto, home, and marine insurance number is (800) 242-6422. You should call (800) 619-6077 for life insurance.
How long does it take Amica to respond to claims?
Before filing a claim, you might have to do certain things, like report a crime to the police. Amica provides 24/7 phone and online customer support. Their website works on mobile devices.
How does Amica handle claims?
Amica accepts claims over the phone and through its website. Amica will then send you a claims adjuster to look at the damage.
Does Amica’s insurance make it easy for customers to use?
Roadside assistance and assistance finding a repair shop are just two of the many helpful services Amica provides to its customers. However, one major drawback is that they only sell insurance through their representatives. If you are dissatisfied with Amica’s service, you will need to resolve the matter directly or move your business elsewhere.
Which states are covered by Amica?
Amica offers life insurance in every state. Except for Alaska and Hawaii, all states provide homeowners and renters insurance. Except for Hawaii, Amica auto insurance is available in all states.
How can Amica provide you with a quote?
The Amica quoting tool provides you with a quick quote. Additionally, you can get in touch with one of Amica’s insurance agents by calling 800-242-6422.
How do you make payments at Amica?
You can pay online; signing up for autopay helps you avoid paying in instalments, and you might get a discount. Additionally, you can mail or call 800-492-6422 to make payments.
Is Amica a significant insurance provider?
In the United States, Amica is not one of the major insurers. However, it has high ratings for customer satisfaction. When you combine policies, the company’s insurance policies have built-in benefits.
Final Thoughts
Amica might be a good choice if you want auto insurance coverage from long-reputed insurance. The company has a lot of policies, discounts, and generally affordable premiums. It also has good ratings and customer reviews.
Now we can reach the final verdict on “Is Amica Insurance A Good Company.” Let’s utter the statement: Amica is a good insurance company. However, there might be better options than Amica if you need immediate assistance in person. Isn’t it?
Mehedi Hasan is an insurance expert with over 6 years of experience in the industry. He has a deep understanding of various types of insurance policies and is skilled at helping clients find the coverage that best fits their needs. In his current role, Mehedi works as a consultant, advising businesses and individuals on the best insurance options for their specific situations.
He is also a frequent speaker at industry events, sharing his knowledge and expertise with colleagues and professionals in the field. Mehedi holds a degree in insurance and risk management and is committed to staying up-to-date on the latest industry trends and developments. In his free time, he enjoys reading, traveling, and spending time with his family.