Amica offers a comprehensive suite of coverage products, including traditional and specialty car insurance policies. However, Amica does not offer excellent life insurance policies, and the company does not have a lot of live agents. You may be able to save on an Amica auto insurance policy if you buy your life insurance with Amica as well.
You will not find a lot of unique discounts offered by Amica that are not offered with other insurers. Amica offers coverage for homes, offering various policy options and discounts. Like other insurance companies, Amica offers standard coverages such as liability, comprehensive, and collision. Homeowners Insurance Amicas homeowners coverage includes standard coverages, plus discounts and dividend payments.
In addition, Amicas home insurance is offered as a dividend policy, meaning customers get a chance to get back a portion of their premiums at the end of the year. Other mutual insurers offer dividend policies, but Amica is one of the best-known companies for doing it. Amica Mutual Insurance offers both term and whole life insurance, and a renewable term life policy with an annual renewal option based on individual needs. Both Amicas term life and whole life policies come with a terminal illness rider, which will let the policyholder access part of the policies benefits should they become terminally ill. An Amica life insurance agent can help provide the complete life insurance policy rider listing.
Amica allows you to obtain a term life insurance quote online, but you need to contact Amica for a quote on a whole life coverage. If you completely require your entire windshield replaced, Amica Mutuals still covers that, but you will likely have to maintain your full car insurance policy with them. Most people will have to have medical exams in order to buy insurance with Amica.
While Amica is a legit insurance provider, it is important to do your research to make sure Liberty Mutual is the right insurance company for you. You can also use MoneyGeeks Auto Insurance Company Comparison Tool to compare Amica to other insurance companies.
Financial Advice Amicas website offers plenty of information and resources about how to save on car insurance. Customers looking to combine car and homeowners insurance may find options from Amica, saving them money.
Amica also offers several unique discounts, such as continuous coverage, choosing autopay, or being a homeowner. Of all of the big car insurance companies reviewed by MoneyGeek, Amica is the only one to offer all the usual discounts, such as bundlers.
No matter what level of coverage you prefer or what your driving history is, Amica offers auto insurance rates that are competitively priced. Amicas rates are generally more affordable for minimal coverage than those from other insurers. Amicas car insurance rates are a bit more expensive for 30-year-old drivers without prior accidents or violations, compared to competitors. The one negative review about Amica Insurance was for the rates Amica Auto Insurance offers, not for the agents service quality.
The National Association of Insurance Commissioners (NAIC) rates Amica at 1.41, showing that its complaints are higher than average when compared with other insurers. Across all policy types, the NAICs complaints index shows that Amica has substantially more complaints than the other major insurers. Nationwide is the only other insurance company offering rates more expensive than those offered by Amica.
Amica has some of the lowest rates on car and homeowners policies, according to Value Penguin. According to sample rates found on Bankrate, Amicas average car insurance premium is $1,378 a year for a fully insured policy. WalletHubs comparison of insurance costs puts Amica in the second-lowest-cost major car insurance providers.
If you appreciate strong customer service from a homeowners insurance provider, you may choose Amica, but if you appreciate strong customer service from an auto insurance company, you may choose Erie Insurance Insurance instead. Policyholders who want the convenience of managing their insurance all in one place, and are looking for a company with strong customer satisfaction ratings, may consider getting a quote from Amica Mutual Insurance. Homeowners looking for a comprehensive homeowners insurance policy may want to opt for Amicas Platinum Choice Package, a type of HO-5 policy that includes additional options from its standard homeowners package by default, along with credit card coverage, commercial property coverage, expanded valuables coverage, loss evaluation plans, and increased limits for liability and medical payments coverage.
Amica also offers renters, small businesses, condominiums and flood coverage, WalletHub reports. Amicas auto insurance rates are on the higher end, but it is regularly rated a reliable, customer-friendly insurance company. Amicas life insurance is relatively cheap compared with Liberty Mutual, and it is comparable to the rates of Nationwides life insurance. Amica and American Family Insurance are regional carriers offering automobile, homeowners, life, renters, and pet insurance.
Amica partners with Embrace Pet Insurance to provide customers accident and sickness coverage, and incident-only coverage, for their pets. Amica offers customers home security, loyalty, and bundle discounts, and offers policies that pay dividends for payments made toward their insurance. Amica Advantage points can be used toward your deductible payment or car crash surcharge — an extra charge you have to pay on your insurance policy if you are involved in a crash. Policyholders can save up to 30% when policyholders purchase home and car, condominium, renters, life, or umbrella coverage through Amica.
Whatever the situation, you can rest assured knowing your Amica Mutuals policy will cover any costs associated with replacing your cars locks and providing a replacement set of keys.