Car Insurance Discounts with Amica

Car insurance discounts with Amica includes 10 different programs like a good student discount, good driver discount, and more. The more discounts you can get, the less you are going to pay for your premiums.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 26, 2021

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Here's what you need to know...

  • Amica offers several discounts on their car insurance plans
  • They offer multiple coverage options to meet customers’ needs
  • Their rates are competitive with other well-known car insurance companies

Amica is an insurance company that was founded in 1907. Amica sells auto, home, and life insurance policies to its customers.

Although the company says that it has 40 offices around the U.S., it doesn’t say in what states they exist or where their policies are sold.

Interestingly, Amica does not use agents to sell their insurance policies. If you decide that you want to purchase an Amica product, you will either speak to a customer service representative or you can get a quote and complete the entire process online.

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According to Amica, the reason that they don’t use agents is because they don’t want their customers to have to wait to speak to an agent if they have questions.

Amica Car Insurance Discounts

Amica has 10 different discount options for which you may qualify. The more discounts you can get, the less you are going to pay for your premiums.

The discount options for Amica include:

While most of these discounts are available from most insurance companies, the GPS tracking and the theft recovery system are options that many insurance companies don’t offer.

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Programs Offered by Amica

Amica offers liability, collision and comprehensive insurance policies, each of which can be purchased on their own or combined together.

These insurance options are called their key coverage options, and they don’t include any of the little extras that you sometimes find with other insurance companies.

Amica also offers what they call the Platinum Choice Auto Plan. This plan, which costs more than the key coverage alone, offers some extras that many drivers will find appealing.

The Platinum Choice Auto Plan is added to the initial key coverage that you purchase.

Included in this plan are:

  • Prestige car rental coverage
  • Full glass replacement coverage
  • Identity fraud monitoring
  • Good driving rewards
  • Accident forgiveness

This program is different than what you will find elsewhere because part of the package is earning advantage points, which can be used for one of two purposes.

The first one is to waive an accident surcharge for an accident that you cause. The second option is to use your points to eliminate your deductible or pay it down if you don’t have enough points.

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The advantage points are earned by:

  • Remaining loyal to Amica
  • Adding homeowners or life insurance to your coverage
  • Referring new customers to Amica
  • Renewing your policy
  • Maintaining a good driving record

The Identity Fraud program is much like any identity theft protection plan that you purchase from other companies.

Your credit information is watched and if anything unusual happens, then you are alerted.

If your identity is stolen, an expert is on call to help you through the process of reporting the problem and aiding in resolving it as well.

The glass replacement coverage is not susceptible to a deductible. In addition, you can use any repair shop to replace your glass, you aren’t limited to a handful required by the insurance company.

The glass replacement isn’t just for your windshield, it is for any windows in your car and for any type of damage.

The Prestige car rental coverage is a bit different than what you will find from other insurance companies.

You will receive a $5,000 allowance for your rental car per accident. There is no cap on your daily rental limit; you just need to know when the $5,000 is gone, they stop paying for the car.

In addition, your coverage isn’t limited by time.

As long as you don’t have your car or you haven’t replaced your vehicle with a new one, you can use the rental car. Again, this continues until the $5,000 is used up.

You can purchase any of the services found in the Platinum plan separately if you would like; however, the cheapest way of purchasing these additions to your policy is as a group.

Amica Car Insurance Discounts – Comparing Prices

No matter how appealing Amica might seem to you, it is important that you compare car insurance rates before you make your final decision.

It is easy to be swayed by some of the little extras offered by a company, but until you compare costs, you don’t know if they are unique and affordable or common and expensive.

The National Association of Insurance Commissioners helps to regulate the insurance industry by giving car insurance companies such as Amica guidelines for their business.

A car insurance provider can add on additional fees or change the way that it issues rates.

However, it must stay in compliance with state and federal insurance laws.

What factors can cause your Amica car insurance rates to increase?

Having any serious driving-related offenses on your record can instantly cause your rates to go up.

Driving under the influence of alcohol, hit-and-run accidents, and driving with a suspended license might cause you to face even more serious consequences, such as imprisonment and the loss of your driving privileges.

There are also less serious factors that might cause your Amica car insurance rates to go up.

If you have teenage drivers in your home and they have recently been added to your auto insurance coverage, you may see a large rate increase.

Buying a new car will cause your auto insurance rates to go up as well. Moving to a place of residence that is further away from your job can also be the reason behind your higher car insurance premiums.

Before making any major life changes, you should talk to your car insurance agent about how those changes will impact your rates.

Some things like car accidents may not be avoidable, but you can put together a plan that will keep your auto insurance premiums within a reasonable range.

Comparing insurance rates is easy! Simply enter your zip code below and compare car insurance quotes from multiple companies right now!

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