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Amica Car Insurance Review 2024

Reviews 4,697
Amica
Amica
Excellent
Reviews 4,697
Kale Havervold
Jun. 05, 2024
4 min read
Kale Havervold
Amica Summary
Amica is an American car insurance provider founded over 100 years ago. The company offers various types of auto insurance, including bodily injury liability, property damage, and collision. It allows you to customize your coverage, make claims 24/7, and earn discounts in various ways. You can apply and get a quote online and receive support over the phone, via email, or through a live chat.

Pros

  • Quick and easy quote process
  • Helpful online resources
  • Plenty of ways to fine-tune your coverage

Cons

  • Must call in order to buy a policy
  • Limited in-person offices

Amica at a glance

8.8
Editorial score

Insurance Features

Choose your deductible, mobile claims, AI claims technology
8.0

Discounts Available

Multi-policy discounts and bundle discounts, safe drivers
8.0

Customer Service

Multiple communication options for support, above average rating
8.0

Online Experience

Excellent site, online application, learning resources, mobile app
10.0

Direct Insurer?

Yes, direct insurer
10.0

Amica offers the following types of insurance:

Personal Injury Protection

Personal injury protection is a type of coverage that pays for both medical costs and wages that are lost for both you and your passengers if you’re injured as a result of an accident.

Bodily Injury Liability

This kind of insurance pays for the injuries that other people sustain as a result of an accident that you’ve caused.

Property Damage

Property damage insurance pays for the damage you do to someone else's property as a result of an accident. This could be their car, home, mailbox, and more.

Uninsured/Underinsured Bodily Injury

This type of insurance pays for your medical bills if the driver who is responsible for the accident is uninsured or doesn’t have enough insurance.

Uninsured/Underinsured Property Damage

In a similar vein, this pays for damage done to your vehicle if the other driver doesn’t have enough insurance to cover the repair costs.

Collision

Collision insurance pays to replace or repair your vehicle if it’s damaged in an accident, regardless of who’s at fault.

Comprehensive

This covers damage your car sustains that isn’t because of a collision. It covers things like theft, vandalism, natural disasters, hail, and fire.

Additional Features

Amica offers customers many other paid auto insurance add-ons.

Full glass coverage

This covers the replacement or repair of auto glass on your car without the need for a deductible.

Loan and/or Lease coverage

If your car is totaled, this pays the difference between the value of your car and the amount you still owe in a lease or loan. For example, if the depreciated value of your car is $5,000, and you still owe $6,000 on the loan, this insurance will pay the $1,000 gap if a total loss occurs.

Roadside assistance

This 24/7 roadside assistance can help you get back up and running if you experience issues while driving. You can get help to change a flat tire, get a tow, jump a dead battery, and more.

Rental reimbursement

This pays for transportation if you can’t drive your car because it’s being repaired. It covers car rental, ridesharing, and public transport.

Plenty of discounts

Another feature Amica offers that I like is the vast number of discounts it offers. You can get discounts for bundling with other types of insurance, for having a good driving history, for how you pay, and more.

How to Apply

The application process begins with getting a quote. All you need to do is visit the website and click the Get a Quote button. Then you enter your zip code and address. Next, you provide some personal information like your name, date of birth, gender, relationship status, and contact details.

After that, you provide information about your vehicle, including year, make, model, purchase date, what it’s used for, and whether you own the vehicle. Up next is your driver information. You’ll need to answer questions about whether you’ve had recent accidents, moving violations, or auto claims.

Next, you’ll provide some information about your current car insurance (if you have it). Then you can see if there are any discounts you want to take advantage of. After that, Amica builds your auto quote, which can take a few seconds.

Once it’s done, you’ll see your quote and be able to customize it by choosing your liability limits and deductibles. To buy the policy, you have to call the company. I appreciate the clear process to get a quote and apply, and how easy/quick it is to get through.

Filing a Claim

Amica lets you file a claim over the phone and in your account online. You can make claims 24/7 and if you need assistance with your claim or have a question, you can call 800-242-6422 at any time, or can join a live chat. The hours for claims live chat are 8am to 9pm ET on weekdays and 10am to 5:30pm ET on Saturdays.

I like how the website has a claims glossary and an FAQ page that goes over topics like reporting a claim, what policies cover, and much more.

The information you should provide to file a claim includes your name, policy number, the names of other individuals involved in the accident, and the location of the accident.

It’s a good idea to add a description of the event, information about the vehicles, and any photo evidence you have, too. You may not need to provide all of these details to file a claim, but the more complete your claim, the better.

Contact Details

You can reach out to Amica for customer support over the phone at 800-242-6422, by filling out the online email form, or via live chat. Phone operating hours are between 6 AM and 1 AM ET on weekdays and between 7 AM and 12 AM ET on weekends.

The customer service live chat is available from 6 AM to 12 AM ET on weekdays and from 7 AM to 12 AM ET on weekends. To reach out over email, just fill out the online form, and a representative from Amica will reach out soon after.

The company has strong reviews on Trustpilot, as it maintains a 4.5 out of 5 rating, with over 2,500 reviews. Many of these reviews note the quality customer service and support that Amica offers.

Summary

Since 1907, Amica has been providing car insurance of various sorts to customers across the USA. Getting a quote and applying is easy, and you can do it entirely online. The company offers several ways to file claims and there are numerous options when it comes to customer support.

I like how the company lets you customize both your coverage amount and deductible to ensure you get insurance that fits your unique needs.

Kale Havervold
Written by
Kale Havervold
Kale Haverold is a freelance writer with over 5 years of experience crafting articles about credit cards, loans, debt, and a raft of other personal finance topics. His work has been featured on Top10.com, BestMoney, Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles stem from his passion to share knowledge that helps readers make informed financial decisions.
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Trustpilot reviews
See what some customers are saying about Amica
Excellent • Reviews 4,697
on
Excellent
78%
Great
8%
Average
4%
Poor
3%
Bad
7%
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