UPDATE: This review of Amica car insurance company is obviously not endorsed by the Amica car insurance company. This is an independent review written by one of our independent auto insurance company reviewers. Believe it or not, Amica would like to control the talking points about their company and has requested that we make no mention of them. Unfortunately for their overzealous lawyers, and fortunately for car insurance shoppers, we will of course still leave this this Amica review posted online so that car insurance shoppers can make educated choices and know all of their car insurance options. After all, if the Amica lawyers had their way, what would be next? Would every magazine, newspaper, and website that ever wished to mention the Amica name have to first request permission from the company? Car insurance shoppers can be grateful that that is not the case. Please click here to visit the Amica website or continue reading to read the full INDEPENDENT Amica car insurance review below!
The Amica Car Insurance Company has been in business for over 100 years. This company is proud to be known as the oldest mutual insurer of cars in the United States.
Amica is also known for being the car insurance company with the highest level among customer satisfaction in the country for 10 years in a row. What follows is a look at the insurance provider’s history, offerings and reputation with consumers.
Read through this Amica car insurance review and then enter your zip above for a free car insurance comparison!
Amica Car Insurance Company History
The Amica Car Insurance Company was founded in 1907 by A.T. Vigneron, a Rhode Island businessman. Convinced that horseless carriages were going to become very popular with Americans, he decided to base his company on the following principles:
It would provide protection to responsible policyholders; and all its customers would be treated in a respectful manner and provided with exemplary customer service.
The Automobile Mutual Insurance Company of America, more commonly known as “Amica,” chose to focus on its customers needs. Policyholders were part owners of the company and were paid dividends. This practice continues today and most policyholders receive them annually.
The company has offices located nationwide and employs 3,000 people. It has expanded its product line to include home, marine and personal umbrella insurance as well as car insurance. Amica also offers life insurance coverage through Amica Life Insurance Company, a subsidiary corporation.
Amica Mutual Companies
The Amica family of companies includes a number of corporate holdings. The corporate entity offering car insurance is the Amica Mutual Insurance Company. It provides services to customers in all states, with the exception of Hawaii.
The Amica Life Insurance Company has been in business since 1968. It offers life insurance and annuities to customers, as well as some health products. Like the Amica Mutual Insurance Company, it works with customers in all parts of the U.S., except for Hawaii.
Amica Lloyd’s of Texas offers property insurance to customers in the Lone Star State. The Amica Property and Casualty Insurance Company was founded in 2005 and offers car insurance to New Jersey residents. CA residents can use the Amica General Insurance Agency of California to meet their needs. Customers who have unique insurance needs can look to the Amica General Agency for assistance.
Amica Car Insurance Company Products
This provider has a number of options available for car insurance coverage. It can offer customers a bare-bones liability policy that satisfies the minimum requirements for the state where they live, or the company can structure a plan that provides a higher level of protection. Customers are always free to consider buying more than the minimum amount of coverage, and it’s a good idea to consider how much the cost of medical bills, funeral costs, lost wages and other expenses following a motor vehicle accident may be before choosing a specific level of coverage.
Auto insurance customers can also choose the level of deductible that fits their needs and their budget. The higher the deductible, the lower the premium rates for car insurance. Customers should consider the level of the deductible they choose very carefully, since this is the amount they are agreeing to pay out of pocket before the insurance company will pay out any benefits.
Amica also offers its customers other car insurance products that are designed to protect the vehicle itself. Customers can consider buying collision coverage that will pay for repair costs if the car is damaged as the result of striking or being hit by another vehicle. If the car is totaled in an accident, the collision coverage pays an amount equal to the value of the car, less the deductible chosen by the customer.
Comprehensive car insurance coverage pays out when the damage to the vehicle is caused by something other than a collision. In cases where a vehicle is stolen or sustains damage from a fire or an act of vandalism, this type of insurance protection pays for the cost of repairs or replaces the vehicle (up to its cash value). Comprehensive insurance also pays out in cases where the damage to the vehicle is the result of hail or the vehicle being struck by an animal.
The company’s insurance options include plans for protecting the occupants of its customers’ cars, including policies for uninsured or underinsured drivers. When an accident occurs and the other driver doesn’t have enough coverage in place to pay for the cost of medical bills and other expenses incurred by those injured in the accident, the underinsured driver policy pays the difference.
Uninsured driver coverage comes into play when a hit and run accident occurs and the driver is unidentified, or he or she doesn’t have insurance coverage. This part of the car insurance policy protects drivers from these types of circumstances. Frankly, the above policy options are offered by most major insurance companies, not just this one. So what does make this provider stand out? Take a look at some of the special options they provide that meet the unique needs of some drivers.
Amica Special Coverage Options
Customers who choose Amica Car Insurance as their provider may also receive other benefits that are not necessarily offered by other companies. Depending where the customer lives,he or she may be entitled to some helpful policy provisions, including no charge for the policy deductible if the vehicle is declared a total write-off within the first 180 days after being purchased. If the keys to the vehicle are lost or stolen, the insured may not need to pay the deductible when having the locks replaced.
The insured may not need to pay a deductible when having glass repaired, as long as it doesn’t need to be replaced. In a situation where a deployed air bag needs to be repaired or replaced, the insured may not need to pay a deductible, either. Being required to attend court at the insurance company’s request means the policyholder will be reimbursed for any lost wages, and the company also pays $1,000 for bail bonds. Yes, the key words above are “may not”, so you have to read your policy carefully.
Amica Claims and Customer Service
This company has a good reputation for rapid response to claims. Claims on an auto insurance policy can be reported by phone or online. The company provides an online Claim Center where customers can find out the current status of an insurance claim or update the information on an existing one. This service also lets customers access claims payment information, review the policy deductible and contact the person handling the claim directly.
The Customer Service section of the Amica web site offers visitors general information about insurance coverage. Existing customers can log into their insurance account to review their policy information. They can also pay for their policy online. Customers who visit the Amica Car Insurance Company online can also look at various payment options so they can select the best one for their personal situation.
When deciding on an insurer their reputation and policy offerings are all important. Compare Amica and other possible providers by using our third party car insurance comparison rate quote tool that will let you see your options side by side. It’s a great way to be informed before making such a critical decision. Compare your Amica car insurance quotes with quotes from many top car insurance companies – you can start the process by entering your zip code right now!
