Amica Car Insurance
Overview
Amica was founded in Rhode Island in 1907 and provides personal personal insurance with auto, homeowners, personal excess liability and marine coverages.
Amica is a mutual company, which means they’re owned by their policyholders, not stockholders or investors. This means they offer dividend policies.
A dividend policy costs more upfront, however they lower the overall cost of your insurance policy over time.
At the end of your policy term, a dividend is offered back to you. On average, a typical dividend payment can be about 20% of your annual premium.
Amica operates under three subsidiaries including Amica Life Insurance Company, Amica Property and Casualty Insurance Company, and Amica General Agency, Inc. and has 44 offices nationwide.
Amica does not use insurance agents, but trained Amica representatives that provide fast, direct service to their 1.6 million customers.
Amica has excellent financial strength and holds about $5.1 billion in assets.
Discounts
Amica offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current Amica agent or unlocking them on Insurify!
*Discounts vary by state and certain criteria set by the insurance provider must be met in order to qualify for discounts.
| Discount Type | Discount % |
|---|---|
| Multiple Policy Discount | up to 10% |
| Multiple Vehicle Discount | up to 25% |
| Loyalty Discount | Varies |
| Provider Switch Discount | Varies |
| Prepay Discount | Varies |
| E-billing Discount | Varies |
| Preferred payment discount | Varies |
| Anti-Theft Device Discount | up to 25% |
| Passive Restraint Discount | up to 40% |
| Electronic Stability Control | Varies |
| Defensive Driver Discount | Varies |
| Good Student Discount | up to 10% |
| Student Away at School Discount | up to 10% |
| Low Mileage Discount | up to 10% |
| Anti-lock Brake Discount | up to 5% |
| Good Driver Discount | Varies |
| Home Owner Discount | Varies |
| Paid in full discount | Varies |
| Preferred payment discount | Varies |
| Paperless documents discount | Varies |
| Driving training discount | Varies |
| Family Discount | Varies |
| Electronic Stability Control | Varies |
Features and Services
Amica offers special auto insurance benefits to their customers at no additional cost. These include:
- No deduction for depreciation when a new vehicle is declared a total loss within the first year of ownership
- No deductible for lock replacement when your keys are lost or stolen
- No deductible for glass repair
- No deductible for repair or replacement of a deployed air bag
- Full reimbursement for lost earnings if you attend court at our request
- $1,000 for bail bonds
- Accident forgiveness with a platinum choice auto policy
In addition to these benefits, Amica offers 24/7 roadside assistance over the phone, even to their customers who do not have towing and labor coverage.
Amica allows customers to report a claim 24/7 online or over the phone.
Amica’s website also offers an advisor tool that will give you coverage recommendations based off a few simply questions.
24/7 service
Roadside assistance
Diminishing deductible
Mobile app
Accident forgiveness
Policy bundling discounts
Online account management
Flexible / convenient payments
Text and email alerts
Optional Coverage
| Coverage Type | Description |
|---|---|
| Platinum Choice Auto | Provides superior coverage such as good driving rewards, prestige rental coverage, full glass coverage, an identity fraud monitoring service and new car replacement coverage |
| Road Side Assistance | Typically adds coverage for towing, tire changes, lockout services, and more |
| Rental Reimbursment | Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary) |
| Glass Coverage | |
| Umbrella Policy | Adds protection against liability claims/judgements when your auto insurnce liability limits have been reached. |
| Accident Forgiveness | Your rates won't automatically increase after an accident even if you're at fault. |
Payment Methods
| Payment Type | Description |
|---|---|
| Online Payment | Hate those annoying IVR menus? Pay your bill online. |
| Automatic Online Payments | Forgetful? This option automatically charges your credit or debit card that you provided so that you never have to worry. |
| Mail Payment | The option to mail in a personal check or money order. Don't forget the postage, sometimes the classics never die! |
| Phone Payment -IVR | Ran out of postage? Want to keep things fast but simple? You can pay your bill over the phone. |
| Bank Payment/Direct Deposit | |
| Credit Card Payment | |
| Debit Card Payments |
Amica Insurance Products
Home Insurance
Amica offers a variety of home, renters, and condominium insurance to specifically cover loss or damage to your living space and belongings.
Available coverages and discounts may vary by state, but will most likely include:
- Other structures: Covers structures detached from your home such as a garage or shed
- Increases in living expenses: Reimburses you to live somewhere if you're unable to live in your home after a loss
- Temporary repairs: Covers repairs that need to be made in order to prevent further damage to your home after a loss.
- Away from home: Coversincidents such as theft of personal property from your hotel room
- Coverage for credit card loss: Reimbursement up to the policy limit for unauthorized use of your credit cards
- Liability coverage: Provides protection, such as the cost of legal representation, from covered property damage or bodily injury claims made against you or a family member living with you. This protection follows you worldwide.
Additional Amica home insurance coverages options include:
- Automatic Dwelling: Covers the cost to repair or rebuild your home when it exceeds your original coverage limit
- Personal Property Replacement: Covers full repair or replacement cost of your personal property regardless of depreciation.
- Scheduled Personal Property: Covers a wide range of valuables such as furs, jewelry, and fine art.
- Catastrophic: Covers earthquake and flood damage.
Automobile Insurance
Amica offers customizable, comprehensive auto insurance to fit your budget and lifestyle.
Available coverages and discounts may vary by state, but will most likely include:
- Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident.
- Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance.
- Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over.
- Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.
- Roadside assistance: Pays for towing and labor services if your car breaks down.
- Rental car coverage: Provides rental reimbursement if your car is undriveable or in the shop for repair after a covered loss.
- Platinum Choice Auto®: Provides extra protection than standard auto insurance policies such as good driving rewards, prestige rental coverage, full glass coverage and identity fraud monitoring service.
Motorcycle Insurance
Amica offers standard protection for you, your motorcycle, and your passengers.
Available coverages and discounts may vary by state, but will most likely include:
- Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident.
- Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault.
- Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.
Renters Insurance
Renters insurance with Amica protects the personal belongings you’ve been accumulating for years.
Available coverages and discounts may vary by state, but will most likely include:
- Personal property: Covers replacement cost of your possessions due to loss or damage from fire, theft, vandalism and other risks
- Liability protection: Covers claims made against you or a family member for property damage or bodily injury. This coverage follows you worldwide.
- Loss of use: Covers costs of staying in a hotel when you are unable to occupy your apartment after a loss.
- Travel protection: Coverage for credit card loss, and stolen or damaged belongings while you’re traveling.
- Credit card loss: Reimburses up to your policy limit for unauthorized use of your credit cards.
Additional renters insurance options from Amica include:
- Personal property replacement: Coversfull repair or replacement of your personal property, regardless of depreciation.
- Scheduled personal property: Provides broader protection for valuables such as furs, jewelry and fine art. This is a great coverage to have for engagement and wedding rings.
- Special computer: Protects your computer, laptop, tablets or smartphones due to loss from certain perils.
Condo Insurance
Your condo association carries insurance for the exterior structure of the building and other association-owned property. However, this will not cover the personal property or your legal responsibility within your condo unit.
You may need your own policy to protect your wallpaper, carpeting, fixtures, and any other items not covered by your association.
Available coverages and discounts may vary by state, but will most likely include:
- Dwelling coverage: Covers building items, such as appliances, fixtures, improvements and interior walls, not covered by your association's policy.
- Personal property: Covers your belongings from a variety of perils– fire, windstorm, smoke, theft and vandalism.
- Liability coverage: Protects you for claims for property damage or bodily injury made against you or a family member. This coverage is worldwide.
- Loss assessment: $1,000 automatic coverage for association assessments that result from a covered loss involving association property.
- Extra living expenses: Covers the cost to stay in a hotel if you're unable to live in your condo after a covered loss
- Debris removal: Covers the cost of removing debris after a loss
- Hotel theft: Coverage for theft of personal property from a hotel room when you’re away from home.
- Credit card loss: Reimburses up to your policy limit for unauthorized use of your credit cards.
Life Insurance
Amica offers a variety of term and whole life insurance products to fit everyone’s specific needs.
Available coverages and discounts may vary by state, but will most likely include:
Level Term Life Insurance: Provides coverage for a specific period of time. Term life insurance usually has no cash value. You have the option to select a 10, 15, 20, 25, or 30 year level-premium policy. Your premiums rates are guaranteed to stay level throughout your term period. You may add optional riders, such as:
- Optional Cost of Living Adjustment Rider: Offset inflation by increasing your policy’s face value each year without raising your premium rates.
- Conversion Option: Turn your term policy to any permanent life insurance policy available, regardless of your health.
- Terminal Illness Rider: Allows you to receive a portion of your benefits if you become terminally ill.
- Optional Benefits and Riders: Optional benefits and riders include waiver of premium, children's insurance, and accidental death.
- Streamlined Process: If you qualify, you may not need to complete any medical testing.
Whole Life Insurance: A permanent policy with a cash value death benefit that can borrowed from through loans. Amica’s whole life policies are valid for as long as you live, and the face value and premium rates are fixed at the time of your purchase. You may apply to receive an Advance Payment Amount if you’re diagnosed with a terminal illness and given a year or less to live. Optional benefits and riders include:
- Waiver of premium
- Children's insurance
- Accidental death
- Guaranteed option to purchase additional insurance
Simplified Whole Life Insurance: This coverage provides affordable protection and guaranteed premiums for your entire life, up to the age of 120. There are no medical exams necessary. Amica offers flexible payment methods for this coverage.
Umbrella Insurance
Umbrella insurance provides you with additional liability insurance beyond your auto and home policy limits.
Amica offers a variety of umbrella coverage limits, starting at $1 million.
Marine Insurance
Amica provides comprehensive land and water insurance coverages for your boat or yacht, including waterway towing.
Small Business Insurance
Amica has partnered with Hiscox Insurance Company Inc. to offer small business insurance to Amica customers.
Available coverages and discounts may vary by state, but will most likely include:
- General liability: Covers third-party claims for bodily injury, medical costs, and damage to someone else’s property.
- Professional liability: Covers defense costs if you’re involved in a lawsuit.
- Business owner insurance: Combines general liability and business equipment coverage.
