Founded in 1907, Amica is one of the oldest car insurance companies in the United States. Throughout its long history, the Rhode Island-based company has offered auto, home and other types of insurance to its customers through a network of offices across the country.
In its century-plus of conducting business, Amica seems to have learned a lot. With stellar customer reviews across the board, you can rest easy knowing that when you choose Amica, you’re choosing good service and a quality insurance product. In fact, in its mission statement, Amica says, “Building trust and fostering lasting relationships are the essence of who we are and a fundamental part of our company values.”
Amica auto insurance
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 bodily injury and property damage liability coverage to meet state requirements. The provider also offers 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. Ask about discounts when getting an Amica insurance quote. Some of the discounts offered include:
- Loyalty discount
- Multi-line for multiple Amica policies (e.g., home insurance, auto insurance)
- Multiple autos
- Legacy (Family) discount
- Paid in full
- E-discount for receiving policy information electronically
In addition to standard auto insurance, Amica Insurance also offers dividend policies. While these policies usually cost more upfront, you get paid dividends on them over time. This can help you keep your overall auto insurance cost down. It’s worth talking to an Amica insurance agent about how a dividend policy could work for you.
Amica home insurance
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
- Coverage for other structures on your property
- Loss of use 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
To save money on your home insurance from Amica Insurance Company, you can take advantage of some of their home insurance discounts:
- Multi-line for homeowners with multiple policies (e.g., auto insurance) through Amica
- E-discount when you sign up to receive policy information electronically
- Safety discounts for alarm systems and automatic detection devices
- New or remodeled home credit
Like with auto insurance, Amica Mutual offers a dividends home insurance policy. Ask an Amica agent about how a dividends policy can pay you back over time.
Amica renters insurance
If you haven’t purchased a home yet, Amica can still help you protect your space. You can insure all of the personal property you store in your apartment (and take with you into the world) and cover your personal liability with renters insurance. Amica’s standard policies also include loss of use coverage, which can help with expenses like hotel and restaurant costs if your rental becomes uninhabitable as the result of a covered cause.
Additionally, Amica renters insurance policies can include coverage like:
- Full personal property replacement coverage
- Protection for smart devices and laptops
- Additional personal property coverage (i.e., scheduled coverage) for high-value items
- Identity fraud protection
Although renters insurance is generally affordable, you probably want to keep the cost of your coverage as low as possible. Amica offers discounts like:
- Multi-line (e.g., bundle your renters policy with auto insurance from Amica)
Talking to an Amica agent can help you choose the right level of coverage and secure every possible discount.
Amica ratings, reviews, customer satisfaction and complaints
When it comes to ratings and reviews, Amica Insurance Company shines. In 2019, J.D. Power awarded Amica Mutual the top prize in both their U.S. Auto Claims Satisfaction Study and their U.S. Home Insurance Study.
In the auto claims study which gathered consumer Amica auto insurance reviews, Amica scored a perfect five out of five in overall satisfaction, first notice of loss, estimation of process, claim servicing and settlement. In home insurance, Amica earned perfect marks for overall satisfaction, policy offerings, billing process and policy information, interaction and claims. Amica also placed in the top three of J.D. Power’s 2019 Insurance Shopping Study.
Amica insurance customer service is one of the major drivers of the company’s success. The company is A+ rated by the Better Business Bureau (BBB), which collects and organizes customer complaints so consumers can feel confident choosing quality businesses. Amica is also a BBB accredited business, first accredited by the BBB as far back as 1957. This means Amica meets the BBB’s fairly stringent accreditation standards, which include transparency, trustworthiness, honest advertising and responsiveness. Since 2017, Amica has only 76 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. For over a century, AM Best has provided rating services indicating the financial strength of companies so consumers like you can rest easy knowing that if you invest your money in a product from that company, they aren’t likely to go under and leave you hanging. With an A+ rating and stable outlook, you can count on your Amica insurance claim being paid out.
|Organization & Rating Type||Amica Rating|
|Better Business Bureau (BBB)||A+|
|J.D. Power 2019 (Auto)||5 out of 5|
|J.D. Power 2019 (Home)||5 out of 5|
|J.D. Power 2019 (Insurance shopping study)||4 out of 5|
Reasons Amica is a great option
Amica is a great insurance option due to their commitment to customer satisfaction and great coverage options. If you’ve been looking for top-tier claims servicing and coverage options, look to Amica Insurance Company. Its triumph in the two major J.D. Power insurance studies showcases its quality customer service.
Your Amica insurance quote is based on individual factors, like your vehicle and driving history for auto insurance and your home’s location and age for home insurance. Get a quote online or over the phone to see what your personalized policy or policies will cost.
Amica also features an app for home, auto and renters insurance that allows you to take claims pictures and track claims status.
Insurance policies from Amica are best suited for people looking for excellent service along with their personalized policies. Bundle your home or renters and auto insurance together to see savings, and don’t forget to ask your Amica agent about discounts.
Additional policies offered by Amica
Amica offers a variety of additional policies, including these coverages:
- Small business
- Weddings and events
Amica also offers retirement products like annuities and IRAs.
Frequently asked questions
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. Fortunately, Amica does offer both catastrophic coverage as an add on to your home insurance policy and standalone flood insurance policies.
How long does it take to get payment for Amica insurance claims?
Once all necessary information is received, Amica says it attempts to send out claims payment for its auto insurance claims within two business days. This information isn’t available on the home insurance FAQs of their site, though, so talk with your agent about what to expect if you have a home or renters insurance claim.