Amica Auto Insurance Reviews - What Is It?

WARNING: DO NOT USE Amica Auto Insurance Until You Read This Review!
Is it a Scam? Does It Really Work?

Amica Auto Insurance

Amica Auto Insurance is known as the oldest mutual insurer in the USA. The company claims to offer an affordable auto (or motorcycle) policy. These kinds of policy can be customized to meet the customer's needs, as well as feature a number of different coverages, including coverage for you and your passengers, a range of deductibles, liability insurance for others, glass coverage, roadside assistance, etc. Compared to other companies of the kind, Amica Auto Insurance program offers the ability to earn Advantage points by taking out additional policies, completing a year of good driving, referring others to the company, and so forth. These points can be applied toward reduced deductibles and accident forgiveness. With this Coverage, you will be able to find rental coverage, ID fraud monitoring, and full glass coverage. This can vary by state, but most policies are divided into four parts.

Part A is Liability Coverage. This is what covers another person if you cause an accident that results in property damage or injury. This coverage can be in split limits or combined single limits. Part B is Medical Expenses. This coverage provides money for such immediate medical needs, as ER visits, ambulance rides, etc. if anyone in your car gets injured. It presupposes a single limit, and involves a lower amount. Part C is Uninsured Motorist (UM) Coverage. It covers you in case if you are involved in a hit and run accident, or in an accident with a person who doesn't have insurance. Part D is Comprehensive and Collision Coverage. It takes effective when your car has collided with a fixed object, such as a building or another car. Usually, this is the most expensive single section of an auto policy. Comprehensive coverage covers specific cases such as striking falling objects (such as hail), an animal, and more. There are deductibles in $100, $250, $500, and $1000 increments. These four coverages make up the core of any auto policy.

Customer Reviews - Does Amica Auto Insurance Really Work?

Amica Auto Insurance company is based out of Lincoln, RI. It somewhat differentiates from many other direct writer insurance carriers. The main feature is that they are also a mutual insurance company, thus, they are owned by all of the policyholders, who get a cut of the overall profits (dividends) each year. The company had an A+ BBB rating at the time of our research with 72 total complaints. The most common ones referenced poor claims experiences and price increases. Amica also had an A++ financial rating with AM Best. It is a very good result, especially if you want to ensure that your insurance carrier has enough money to pay for claims! Amica Auto Insurance appears to have a positive overall customer reputation online, even though there are some mixed reviews. For instance, some former policyholders on claim that they had good experiences with the company, while some other users claimed to have difficulty/confusion with claims, faced poor customer service, and high premiums. CreditKarma contains 19 reviews about Amica Auto Insurance with an average rating of three stars. Most customers seemed to be pleased, but others appeared to be miffed about poor customer service, rate increases, and poor claims handling. gave Amica a 4.1 average rating. It is a very high result. Some of the common complaints referenced claims problems, poor customer service, and insufficient cancellation notices. The truth remains the same - it is the pinnacle of great customer support and car insurance services, according to the majority of testimonials. One customer writes that he got in an accident and informed the company about it. To his surprise, he was contacted by a kind and friendly agent in just one hour. The specialist called him to check in and see how the customer was doing. Then he proceeded to discuss business. Amica proved to be prompt in their resolving problem including checking for the damages in just a few weeks. They also made sure that the man was back on the road with in just a few days. This company has unparalleled customer experience. All experts take the time to study the details of your situation. It is high time to take a look at the actual users' reviews about Amica Auto Insurance.

"I am just thrilled with Amica Auto Insurance Company. We have been through three claims in the last four months with this company and I can say with confidence that they really care fantastically about their customers. I highly recommend this great company."

"Amica Auto Insurance is the best insurance company I have ever dealt with in the last several years. I had a few auto claims, one of which was serious because of my fault. Fortunately, everything has been handled in a professional and timely manner. This company justified their promises completely and I will stick with them for a long time. You received what I paid for. It is true in this case!"

"Amica Auto Insurance has wonderful customer service. One of their representatives with whom I discussed my car insurance coverage was clever and personable. He answered all of my questions in a comprehensive and clear manner. He also followed up on information requests quickly. I general, I appreciated what I received for the cost. Compared to my previous provider this one is just perfect."

My Final Summary

Amica Auto Coverage is really worth getting behind the wheel. It does not only feature reasonable cost but also high quality of the offered services. In addition, it provides solid customer support, has an easy claims process, and will provide you with the money you may need. If you are interested in getting auto insurance, this company will be a great option for you. Any of their independent agents can come in handy, as the company has highly professional and helpful staff.

The representative of the Amica Auto Coverage Company will help you to shop all the companies they represent. Because they don't work with agents, you won't face any associated problems. It is important to mention that the majority of the company's customers are pleased with their experience of working with the company. Amica Auto Coverage can boast high BBB and AM Best ratings. So, I am sure that you will be amazed with this reputable company too. It is highly recommended to all car owners.

Amica Auto Insurance Pricing and Rates

Most insurance carriers use multivariate rating. It means that it can be changed and affect the price of your auto policy. But Amica has a more stable pricing. In addition to the standard personal injury and liability coverage, the company offers a few other features including reimbursement for earnings, a program called "Platinum Choice", and the absence of miscellaneous deductibles. The Platinum Choice package provides additional coverage including driving rewards, full glass coverage, prestige rental coverage, new car replacement coverage, and identity fraud monitoring. Good Driving Rewards costs $150 per year in addition to your policy. The price of the coverage may vary from state to state, though.