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Amica Insurance Review 2021 | Insurance Online
Amica is a small-scale insurance company with excellent customer satisfaction ratings. It is one of the most prominent insurance providers relative to its size. Amica is known for its array of perks that clients can choose to bundle while saving a lot on their premiums. If you prefer a company that puts your satisfaction above anything else, Amica is your best bet.
Amica reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Amica Auto Insurance Rating
5.0
Amica insurance garnered a 5.0-star for its impeccable performance in delivering practical coverages among its valued clients. We assess Amica’s rating by evaluating its policy rates given to several different driver profiles, financial strength, ease of making a claim, digital platform functionality, generous perks, and complaint information from the National Association of Insurance Commissioners. Upon examining these aspects, we recognized Amica as one of the topnotch car insurance companies in the United States.
Amica Car Insurance Built-In Perks
| Amica’s Built-In Benefits | Description |
|---|---|
| Depreciated Vehicle Coverage | If your car is totaled within a year of use, the depreciated value will not be accounted for. |
| Lock Replacement Privilege | If, in any case, your keys are stolen or locked inside your vehicle, Amica will cover the cost of a lock replacement. |
| Air-Bag Replacement | If you have been in an accident and your air-bag was deployed, Amica will carry the replacement cost. |
| Lost-Earnings Reimbursement | If, in any case, Amica demanded you to be in court, your lost earnings will be compensated. |
| Glass Repair Benefit | If glass replacement is necessary due to damage or an accident, Amica will cover new glass costs. |
| Bail Bonds Coverage | Amica covers up to $1000 bail bonds. |
Amica Platinum Coverages
| Amica Platinum Benefits with Extra Cost | Description |
|---|---|
| Accident Forgiveness Point Program | Amica entitles its clients to this benefit by giving points to referrals, policy-bundling, and safe driving behavior. These points can prevent your rate from adding up if, in any case, you engage in an accident. |
| Disappearing Deductible Coverage | Amica’s point system can also be utilized to reduce or dispose of your deductible. |
| Identity Theft Monitoring Coverage | This service from Amica monitors your data and credit files to avoid identity fraud. However, if, in any case, your identity got stolen, you will be provided with a fraud specialist and a reward up to $15,000 after the case is resolved. |
| Full-Glass Coverage | Full-glass repair or replacement will not reflect any deductible on your record. |
| High-End Rental Coverage | If your car is totaled or under repair due to an accident, renting a prestigious car will entitle you to a $5000 rental coverage. |
Amica Auto Insurance Discounts and Perks
- Loyalty Perks (2 years)
- Claim-Free Discount (3 years)
- Multi-Insurance Discount (auto, home, life, etc.)
- Multi-Vehicle Policy Discount
- Automatic Payment Discount
- Full Payment Discount
- Paperless Discount
- Homeowners Discount
- Legacy Discount (clients below 30 years old whose parents are Amica clients for five years)
Amica Homeowners Insurance
| Amica Homeowners Coverage | Description |
|---|---|
| Home-Work Coverage | Amica covers your work-related damaged or lost items. |
| Disaster Coverage | Amica is one of the few who covers catastrophic damages (floods, earthquakes, etc.). However, this benefit does not apply to basic premiums. |
| Dwelling Coverage | If your home is being repaired that exceeds the policy limit by 30%, Amica will compensate for the cost. |
Amica Platinum Choice Policies
| Platinum Policies | Description |
|---|---|
| Additional Expenditure Coverage | Amica covers liabilities, medical bills, business-related properties, and stolen valuables. |
| Valuable Replacement Coverage | Amica will replace valuable items with brand new items instead of its depreciated value. |
| Water-Backup Coverage | A payout will be provided when your drain or pump gets faulty and causes water damage to your residence. |
| Credit Card Coverage | Compensation up to $5,000 would be covered by Amica if your credit card was stolen and used fraudulently. |
| Home Repair Assistance | Amica has a network of trusted and reliable contractors that can assist you with all your residential repair needs. |
| Digital Device Coverage | Your digital items will be replaced with brand new models if in case of theft. |
| Assessment Plan Loss Coverage | Amica covers community property damages near your residence. |
Amica Home Insurance Discounts and Perks
- Loyalty Discount (2 years)
- Multi-Line Discount (Auto, Home, Life, etc.)
- Claim-Free Discount (3 years)
- Automatic Payment Discount
- Paperless Discount
- Safety Device Installation Discount
- New Homeownership or Remodeling Discount
Amica Life Insurance Policy
Amica provides term life and whole life insurance policies. An option of 10, 15, 20, 25, and 30-year terms are available for clients to purchase. The rates start at $100,000 to 1M and up premium coverage. Additionally, Amica has an Annual Renewable Term policy that covers a person up to 85 years old and the rate goes up as they age. Moreover, Amica’s whole life insurance policy gives an option of low-rate whole life policies from $5,000 to $25,000 premiums without requiring a medical exam.
Amica Customer Satisfaction Assessments
Amica is one of the highly-rated insurance companies in the country. It garnered significantly high customer satisfaction from the National Association of Insurance Commissioners relative to its small-scale range of car, life, and home insurance services.
Amica’s overall rating in the US is very good, with significant consideration to the network it caters across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | Amica’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Policy Claim Satisfaction | Very Good |
| Auto Insurance Shopping Satisfaction | Very Good |
| Home Insurance Policy Satisfaction | Excellent |
| Property Insurance Claims Satisfaction | Excellent |
Amica’s Digital Platforms
| Digital Platform | Description |
|---|---|
| Amica’s Website | Amica’s website is an informational platform that stores data about their policies, FAQs, and a complete list of their products and services. Additionally, it also allows its clients to pay bills, file and track their claims, and get updated with the recent changes in their policies. |
| Mobile Application | Amica’s mobile application is a functional tool that provides roadside assistance to drivers. Moreover, Amica’s clients can easily and quickly pay their bills online and acquire their ID cards. |
Amica’s Other Insurance Services
- Condominium and Renters Insurance
- Marine Insurance
- Umbrella Insurance
- Small-Business Insurance
- Motorcycle Insurance
- Wedding and Event Insurance
Amica Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Amica garnered exemplary customer satisfaction ratings and minimal complaints from their customers. | Amica often turns down high-risk drivers. |
| Amica provides a broad range of coverage discounts and bonuses. | |
| Amica is one of the few that gives potential dividend earnings. |
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that advocates the value of customer-first operations. The rating we disclose is assessed through weighted averages and points from several categories: financial stability, customer complaints and satisfaction, transparency, digital platform functionality, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to provide reliable and fair reviews and ratings. We took the liberty to conduct comprehensive research for each insurance company in the country to help you save and identify the one that best suits your distinct profile. Thus, it is ideal for comparing several insurance companies to account for your judgment and specific needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators that are reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the company size’s total share of complaints in ratio.
Amica Insurance FAQs
What information must I collect after an accident so I can file a claim with Amica?
The essential data you need to gather are the names and addresses of people involved in the accident. Also, you need to provide where the accident had happened and the model and plate numbers of the cars. Lastly, you need to provide the information of witnesses if there are any.
Why did Amica issue me a deductible even though I wasn’t at fault?
Typically, if you file a claim with Amica, a deductible is applied thereafter. On the brighter note, after the case is solved and payments are made by the at-fault driver, you will be reimbursed.
How long is the process of receiving my compensation with Amica?
Normally, after you provided essential information about your claim and recorded it to their system, your claim should arrive within two business days.
How does Amica identify who’s at-fault in an accident?
Identifying the at-fault driver includes facts investigation, looking closely at photos provided, scrutinizing the accident scene, looking for witnesses, and reviewing the driving policies of the state you reside in.
What must I do if I received a summon, complaints, or legal documents while under Amica’s policy?
It is best to get in touch with your agent to immediately go directly to Amica to immediately address the legal issues.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.