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 optionsand amounts you choose. The coverage options from Amica include:
We should also mention that Amica offers some very unique coverages, like:
Aimca offers cheaper than average annual auto insurance rates for full coverage across the nation. While the national average for full coverage auto insurance in the U.S. is $1,674 per year, insured parties under Amica may be able to save.
The average customer under Amica pays $405 for minimum coverage and $1,327 for full coverage annually as shown in the chart below:
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:
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 is worth talking to an Amica insurance agent about how a dividend policy could work for you.
Home insurance is one of Amica’s most popular insurance products. In J.D. Power’s 2020 U.S. Home Insurance Study, Amica earned the second-highest placement, with a rating of 853 out of 1,000 for overall customer satisfaction. With Amica home insurance, you are getting a high level of coverage, with exceptional customer service, at a competitive price.
In addition to basic coverages, you can customize your Amica home insurance with additional coverage, including:
When it comes to home insurance, Amica is more expensive than most home insurance policies in the U.S. The national average for home insurance is $1,312 annually for $250,000 dwelling coverage. But according to average annual rates for Amica provided by Quadrant Information Services, homeowners who go through Amica for their insurance may pay double that – or more. Amica’s average annual premium for $250,000 dwelling coverage is $2,644.
To save money on your home insurance from Amica Insurance Company, you can take advantage of some of their home insurance discounts:
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.
If you are in the market for life insurance, Amica may be able to provide what you’re looking for. The company offers two types of life insurance, depending on your needs. Whether you are getting married, welcoming a baby or planning for retirement, a life insurance policy from Amica may be a good investment.
Amica offers term life and whole life insurance policies. The term life insurance policies have a guaranteed premium and are available in 10-, 15-, 20-, 25- or 30-year policies. All of Amica’s term life policies also have guaranteed level protection, which means your coverage will not decrease as you get older. You also have the option to convert your term life policy into a whole life policy.
Amica’s whole life insurance policies provide permanent coverage with cash value. The whole life policies come with a guaranteed level premium and guaranteed level protection for the duration of the policy. Amica’s whole life insurance policies are competitively priced and they offer discounts for larger-sized policies. If you are in excellent health and live a generally risk-free lifestyle, you may qualify for Amica’s premier select rates.
When it comes to ratings and reviews, Amica Insurance Company shines. In 2020, J.D. Power awarded Amica Mutual second place in both their U.S. Auto Claims Satisfaction Study and U.S. Home Insurance Study.
In the auto claims study, which gathered consumer Amica auto insurance reviews, Amica scored a 907 out of 1,000 in overall satisfaction, first notice of loss, estimation of process, claim servicing and settlement. In home insurance, Amica earned a high mark of 853 out of 1,000 for overall satisfaction, policy offerings, billing process and policy information, interaction and claims. Amica was ranked the eighth best mid-size insurance provider in J.D. Power’s 2020 Insurance Shopping Study.
Although Amica did not appear on J.D. Power’s list of the top life insurance companies, other rating organizations have confirmed that Amica’s life insurance policies are top-notch. Consumer Affairs gave Amica life insurance a 4 out of 5 star rating, based on almost 30 reviews. Many customers say they are more than satisfied with the customer service, premiums and claims handling process.
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 are not 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.
Amica may be a great insurance option for you due to their commitment to customer satisfaction and great coverage options. If you have been looking for top-tier claims servicing and coverage options, you may want to 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.
For life insurance, Amica offers comparatively low rates. According to the website, you can purchase a term life insurance policy for as low as $9.84 a month. You can get a quote instantly online, and then submit your application within the same day. There is no need to contact an agent.
Amica offers a variety of additional policies, including these coverages:
Amica also offers retirement products like annuities and IRAs.