Which has the best car insurance: Amica or USAA? Read through this USAA Amica auto insurance comparison, check out the full USAA car insurance review and Amica car insurance review, and then be sure to use the free tool on this page for a personalized car insurance comparison with many different car insurance companies!

In September of 2009, Consumer Reports magazine published an article describing the kind of experience their subscriber’s had with insurance. Sixteen insurance companies were covered. When Amica vs USAA was compared, Amica was number one and USAA came in second.

Here are several advantages and disadvantages of Amica followed by those of USAA car insurance.

Amica Advantages

One of the top insurance business analyst, A.M. Best Company, consistently listed Amica as a superior company with a A++ rating. One of the main reasons that A.M. Best gave Amica this ranking is because Amica has continuously shown a firm capability to fulfill all their responsibilities to their policyholders. It has excelled in these consumer areas:

• Insurance claims paid quickly.
• Insurance rates are kept low.
• Service is offered across the continental United States including Alaska. (not Hawaii)
• Insurance premium payments are free online and by phone.

The Better Business Bureau (BBB) gives Amica an a A+ rating on an A+ to F scale.

Amica has been in business since 1907 in Lincoln, Rhode Island. It has over 3,000 employees and 39 US agent offices nationwide. There are not any shareholders because it’s entirely owned by the policyholders. Amica also maintains a high rating in JD Power & Associates. It offers insurance for: home, car, individual liability umbrella, life and marine.

Amica Disadvantages

• Amica is regarded by some as a 2nd tier auto insurance company because it does not give its policyholders the individual attention that other bigger insurance auto insurers with agents in almost every town can provide (although Amica has still won awards for its great customer service that can be accessed over the phone and online).
• Non-personal attention does allow Amica to charge lower rates, although it can risk lowing their customer service satisfaction.
• Even though it has 39 offices, customers may not find an office close to their home.
• The monthly payment option costs $2 every month.

USAA Advantages

USAA insurance is a long established company that was formed by 25 army officers in San Antonio, Texas in 1922. Their purpose was to provide insurance for one another’s cars and personal trucks. USAA has expanded up to 7.2 million policyholders. It is the only unified finance service business in the United States.

Business Week magazine rated USAA as “Customer Service Champs” in their March 5th, 2007 issue. USAA ranked number 1 out of 25 US businesses including over Lexus and Four Seasons Hotels. USAA ranked number 1 again in Business Week’s March 3rd, 2008 issue.

USAA Insurance Policy Benefits

• Policyholders receive prompt and helpful service.
• Claims are processed without undue delays or harassment.
• The premiums have low rates
• No shareholders. The profits are returned to members or used for USAA’s financial stability.
• USAA offers many types of insurance, personal banking and investment services.

USAA financial stability has been rated exceptional by Moody Investor’s Service, extremely strong by Standard & Poor’s and superior by A.M. Best company.

USAA Disadvantages

• USAA is only available to military personnel and their families.
• USAA members do not receive personalized services that many bigger companies may offer.

Discounted Auto Insurance

USAA and Amica auto Insurance often provide drivers that have a less than perfect record with discounted automobile policies online or by phone. Both Amica and USAA offer many different types of car insurance discounts.

Comparing Amica USAA Car Insurance Quotes

One of the best ways to do a true comparison of USAA and Amica is to compare personalized quotes. Use our free tool to compare quotes from many different top companies and see which company is the best for your personal situation. Get started finding the best car insurance now!