Founded in 1907, Amica is one of the oldest car insurance companies in the United States. The company is known for its long history of offering auto and home insurance. Although based in Rhode Island, there is the benefit of local Amica customer service since the company has a network of offices across the country.
Amica car insurance coverage options and discounts
As the oldest mutual insurer of automobiles in the U.S., Amica has been providing car insurance to drivers for over a century. Car insurance from Amica includes basic liability coverage to meet state requirements. They also offer a selection of additional coverage options to help cover damages to you, your passengers or your vehicle. Your Amica Insurance quote will depend on the coverage options and amounts you choose.
Additional coverage options from Amica include:
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist property damage and bodily injury
- Collision and comprehensive coverage
- Roadside assistance
- Glass coverage
- Rental reimbursement
- Platinum Choice Auto®: An all-in-one comprehensive insurance package
Saving money on car insurance is important to a lot of drivers. Be sure to ask about discounts when getting an Amica insurance quote. Some of the discounts offered include:
- Loyalty discount
- Multi-line for multiple Amica policies
- Multiple autos
- Legacy (Family) discount
- Paid in full
- E-discount for receiving policy information electronically
Other discounts are related to features of your car or driving habits, such as:
- Anti-theft devices
- Electronic stability control
- Passive restraint for cars with restraints such as airbags
- Adaptive headlight
- Forward-collision warning system
- Defensive driver training for older adults
- Driver training for younger drivers
- Good student discount
- Student away at school for drivers at school without their car
Amica home insurance coverage and discounts
Known as standard home insurance, the basic home policy from Amica provides coverage for things like fire, theft and liability if someone is hurt at your home. In addition to basic coverages, you can customize your Amica home insurance with additional coverage, including:
- Dwelling replacement coverage to help replace your home if the cost is more than your basic coverage
- Personal property replacement coverage
- Valuable items coverage to protect high-value items like fine jewelry or antiques
- Catastrophic coverages for losses due to natural disasters like earthquakes or floods
- Identity fraud expense coverage
- Home business coverage
In order to save money on your home insurance from Amica, you can take advantage of some of their home insurance discounts:
- Loyalty discount
- Multi-line for homeowners with multiple policies through Amica
- E-discount when you sign up to receive policy information electronically
Amica ratings, reviews, customer satisfaction and complaints
In 2019, Amica received the top rating award for auto insurance providers in New England from J.D. Power. To win, Amica received 5 out of 5 in the categories of overall satisfaction, policy offerings, billing process and policy information, interaction and claims.
In addition, Amica insurance claims received top honors in the 2019 J.D. Power U.S. Property Claims Satisfaction Study for home insurance coverage. This study looked at over 20 home insurance providers on criteria including overall satisfaction, claim processing and estimation process.
Amica insurance customer service is one of the major drivers of the company’s success. The company is A+ rated by the BBB. Amica is also a BBB accredited business, first accredited by the BBB as far back as 1957. In the last 3 years, Amica has only 75 BBB complaints.
The ability to pay for claims made by customers is of great importance for insurance providers. Amica holds an A+ (superior) rating and stable outlook from AM Best financial strength rating services so you can count on your Amica insurance claim being paid out.
Reasons why Amica is a great option
Amica is a great insurance option due to their commitment to customer satisfaction and great coverage options. Each Amica insurance quote is based on individual factors, including your vehicle and driving history.
Amica also features an app for home and auto insurance that allows you to take claims picture and track claims status. Insurance policies from Amica are best suited for homeowners or multi-car families looking for the best coverage at an affordable price using discounts.
Additional policies offered by Amica
Amica offers a variety of additional policies, including these coverages:
- Small business
- Weddings and events
Frequently asked questions
What do I need to get a quote from Amica?
Getting an Amica home or auto insurance quote requires your contact information as well as details about your home or vehicle. You can complete a quote form online or over the phone.
How do I file a claim with Amica?
Amica insurance claims can be filed online or by phone.
Does basic Amica home insurance protect against floods?
As typical with flood insurance, a standard home insurance policy from Amica doesn’t cover damages from floods.
How long does it take to get payment for Amica insurance claims?
Once all necessary information is received, Amica attempts to send out claims payment within two business days.