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Amica Review

Amica offers excellent vehicle coverage, along with some rather unique options, like identity fraud protection. Improvements could be made by offering more discounts, but you still get a lot for your money with an Amica auto insurance policy. Get Quotes

Fletcher Wilson

Fletcher Wilson

Auto Insurance Expert

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Updated: March 19, 2014

The Good

Strong vehicle coverage:

Amica auto insurance offers both comprehensive and collision coverage for your car. Collision coverage protects against damage caused in an accident while comprehensive takes care of damage caused by non-accident-related events, such as fire or vandalism. You can also get GAP insurance coverage, which is great for anyone still paying off their car loan. If your car happens to get totaled, Amica will pay the difference between the value of your car and the balance on your loan. If the totaled car is less than a year old, Amica will even replace it with a brand-new version.

Excellent add-on coverage options:

Amica's Platinum Choice Auto coverage allows you to customize your policy and further protect yourself against all sorts of damage, and even identity theft. Amica will monitor your credit and personal information and alert you of any changes, and they even have fraud specialists standing by if you do have your identity stolen. Another nice option that Platinum Choice coverage gives you is Good Driving Rewards. You can earn these points by being a safe driver, remaining loyal to Amica, having multiple policies through Amica, or even by referring others. Then, you can take any points that you've earned and apply them to waiving an accident surcharge or to lowering your deductible. These are just a few of the bonuses you can expect from Amica's Platinum Choice coverage, and you can pick and choose just one or two of these coverages, or you can bundle all of them together and get a nice discount.

No repair facility restrictions:

Amica doesn't put any restrictions on where you can take your car to get it fixed, so if you get into an accident, you can just go wherever is most convenient for you. This is great because there are some auto insurance companies that don't allow you to choose where you want to go and require you to go to one of their recommended facilities for repairs. Amica does have a list of recommended facilities for those who want it, but you are free to choose a place that is not on the list if you desire.

The Bad

Missing discounts:

Amica offers you a few ways to save on your auto insurance policy, including discounts for being a loyal customer and bundling your home and auto insurance together. However, their discounts fall far behind the best in the industry, and you won't be able to earn any extra savings for having a low annual mileage or prepaying. There is also no way to earn discounts for safe driving except through Amica's Platinum Choice coverage. If you were hoping to take advantage of any of these missing discounts, it's probably wise to shop around.

Must contact Amica to make certain policy changes:

Through your online Amica account, you can view your billing information and make small changes like adding a vehicle under the policyholder's name or adding a driver that lives at the policyholder's address, but for larger changes, such as replacing a vehicle, you must always contact Amica. This is more of an inconvenience than a serious concern, but it is still something that you should be aware of before choosing Amica for your auto insurance.

Limited learning materials:

Amica doesn't provide much in the way of resources to help people learn about auto insurance. There are a few FAQs and a glossary on their website, but it is missing more in-depth articles or a blog to assist customers with really understanding what they are purchasing. Not everyone needs access to these resources but they could be especially helpful to those looking to purchase their first auto insurance policy. This shouldn't be a deal breaker, but it would be nice to see Amica improve in this area.

The Details

Financial Strength
A.M. Best FSR Rating A++
A.M. Best ICR Rating aa+
Moody's Rating N/A
Standard & Poor's Rating Api

Features

Driver Discounts

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  • Accident Forgiveness - Your rates do not automatically increase after an accident.
  • Defensive Driver Discount - You can get a discounted rate if you complete a defensive driving course.
  • Good Student Discount - Students that maintain a good GPA can get a policy discount.
  • Loyalty Discount - You can get a discount if you remain with the company over an extended period of time.
  • Multiple Policy Discount - You can get a discount for having multiple insurance policies with the same company.
  • Multiple Vehicle Discount - You can get a discount if you insure multiple vehicles.
  • Discount Finder - The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.
  • Driving Habits Discount - You can get a discounted rate if you place a device in your car that measures your driving habits.
  • Family Discount - Direct family members of current policy holders get a low rate.
  • Good Driver Discount - You can get a discount for having a clean driving record.
  • Low Mileage Discount - You can get a discount for driving low mileage each year.
  • Military Discount - You can get a discount if you are a member of the military.
  • Organization Discount - You can get a discount to if you are affiliated with certain organizations or partner companies.
  • Prepay Discount - You can get a discount if you pay your premiums in advance.

Payment Options

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Policy Coverage

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Policy Management

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Vehicle Coverage

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Additional Benefits

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Claim Management

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Getting Started

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Mobile

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Support

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Learning Materials

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Vehicle Discounts

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