Amica Mutual Insurance Company Review (2024)
Discover Amica Mutual Insurance Company, your personalized shield against life's uncertainties, providing top-notch coverage options across auto, home, life, and renters insurance.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Amica Mutual
Average monthly rate for healthy individuals:
$100A.M. Best rating:
AComplaint level:
LowPros
- Customizable coverage options for auto, home, life, and renters insurance
- Strong financial stability reflected in the A.M. Best rating
- Comprehensive auto insurance policies with features like roadside assistance
- Personalized approach to home insurance, including additional living expenses coverage
- Wide range of life insurance options, including both term and whole life policies
Cons
- Rates might be slightly higher compared to some competitors
- Limited availability in certain regions
- Online quoting process can be improved for smoother user experience
Amica Mutual Insurance Company stands as a trusted provider of comprehensive insurance solutions, offering a diverse portfolio of coverage options tailored to individual needs. From auto and home insurance safeguarding against unforeseen events to life insurance securing futures, Amica’s offerings are underscored by its strong financial stability.
The company’s commitment to customization shines through its competitive advantage, evident in features like personalized auto coverage, additional living expenses protection for homes, and a variety of life insurance options.
What You Should Know About Amica Mutual
Rates:
Amica Mutual Insurance Company’s rates are evaluated based on the average monthly costs for healthy individuals, ensuring competitive pricing for both minimum and full coverage options.
Discounts:
The company provides various discounts to enhance customer savings, and specific details on available discounts can be obtained through the free quote tool on their website.
Complaints/Customer Satisfaction:
The assessment considers the complaint level and customer feedback to gauge overall satisfaction, reflecting Amica Mutual’s commitment to transparency and positive customer experiences.
Claims Handling:
Amica Mutual’s claims handling process is evaluated for its ease through online, phone, and mobile channels, emphasizing the company’s efficient and customer-friendly approach, with average processing times and customer feedback on resolutions and payouts factored into the assessment.
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Amica Mutual Insurance Coverage Options
Amica Mutual Insurance Company offers a diverse range of coverage options across various insurance types, ensuring that customers can tailor their policies to meet their specific needs. Here are the coverage options provided by the company:
Auto Insurance Coverage:
- Bodily Injury Liability: Covers medical expenses and legal fees if you’re at fault in an accident that injures someone else.
- Property Damage Liability: Covers damage you cause to someone else’s property in an accident.
- Medical Payments: Pays for medical expenses for you and your passengers regardless of fault.
- Collision: Covers damage to your vehicle in case of an accident with another vehicle or object.
- Comprehensive: Protects against non-collision incidents such as theft, vandalism, and natural disasters.
- Uninsured/Underinsured Motorist: Covers you if you’re in an accident caused by a driver with insufficient insurance.
Home Insurance Coverage:
- Dwelling Coverage: Protects your home’s structure from covered perils like fire, windstorms, and vandalism.
- Other Structures Coverage: Covers structures on your property, such as garages or sheds.
- Personal Property Coverage: Reimburses you for the value of personal belongings damaged or stolen.
- Liability Coverage: Protects you if you’re sued for bodily injury or property damage.
- Additional Living Expenses: Covers temporary living costs if your home becomes uninhabitable due to a covered peril.
Life Insurance Coverage:
- Term Life Insurance: Provides coverage for a specific term, such as 10, 20, or 30 years.
- Whole Life Insurance: Offers lifelong coverage with a cash value component that grows over time.
- Universal Life Insurance: Flexible coverage with potential cash value growth and adjustable premiums.
- Variable Life Insurance: Combines life insurance with investment options, allowing for potential cash value growth.
Renters Insurance Coverage:
- Personal Property Coverage: Reimburses you for personal belongings damaged or stolen in your rented space.
- Liability Coverage: Protects you if you’re held responsible for injuring someone or damaging their property.
- Additional Living Expenses: Covers temporary living costs if your rented space becomes uninhabitable due to a covered peril.
Amica’s comprehensive coverage options ensure that individuals and families have the protection they need in various aspects of their lives.
Read more:
Amica Mutual Insurance Rates Breakdown
| Driver Profile | Amica Mutual | National Average |
|---|---|---|
| Clean Record | $260 | $119 |
| 1+ Ticket | $300 | $147 |
| 1+ Accident | $330 | $173 |
| DUI | $580 | $209 |
| Poor Credit | $447 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Amica Mutual Discounts Available
| Discount | Amica Mutual |
|---|---|
| Anti Theft | 8% |
| Good Student | 15% |
| Low Mileage | 12% |
| Paperless | 7% |
| Safe Driver | 20% |
| Senior Driver | 10% |
Amica Mutual Insurance Company provides a range of discounts to help customers save on their insurance premiums while maintaining comprehensive coverage. Here are the discounts offered by the company:
- Multi-Policy Discount: Save by bundling multiple policies, such as auto and home insurance, with Amica.
- Claim-Free Discount: Enjoy reduced rates if you have a clean claims history over a specified period.
- Auto-Pay Discount: Set up automatic payments for your premiums and receive a discount.
- E-discount: Opt for paperless billing and policy documents to qualify for this discount.
- Loyalty Discount: Reward for staying with Amica over an extended period, with the discount increasing the longer you’re a customer.
- Legacy Discount: If your parents are Amica customers, you may qualify for this discount.
- Good Student Discount: Students with strong academic performance can enjoy savings on their auto insurance premiums.
- Defensive Driver Discount: Complete a defensive driving course to qualify for this discount, especially beneficial for mature drivers.
- Anti-Theft Device Discount: Install anti-theft devices in your vehicle to reduce the risk of theft and earn a discount.
- Homeownership Discount: Homeowners can benefit from this discount when combining home and auto insurance.
- Paid-in-Full Discount: Pay your premium in full upfront to receive a discount on your policy.
- Legacy Discount: If your family has a history of being insured with Amica, you may be eligible for this discount.
These discounts reflect Amica’s commitment to providing value to its customers while helping them secure the coverage they need at affordable rates.
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Simplified Claim Process at Amica Mutual Insurance Company
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Amica Mutual Insurance Company offers a streamlined and convenient claims process. Customers can file claims easily through multiple channels, including online, over the phone, and through their mobile apps. The online platform allows policyholders to submit claims at their own convenience, while the mobile apps offer a user-friendly interface for on-the-go claims reporting.
Additionally, Amica’s customer support team is readily available over the phone to assist with any questions or concerns during the claims process.
Average Claim Processing Time
Amica Mutual Insurance Company prides itself on its efficient claim processing. On average, the company processes claims in a timely manner, ensuring that policyholders receive the support they need promptly. This quick turnaround time helps ease the stress of unexpected events and allows customers to get back to their normal lives as soon as possible.
Customer Feedback on Claim Resolutions and Payouts
Amica Mutual Insurance Company has received positive feedback from customers regarding its claim resolutions and payouts. Policyholders have reported satisfaction with the company’s fair and transparent approach to claims. Amica strives to provide reasonable settlements and works closely with customers to ensure their needs are met.
This commitment to customer satisfaction reflects the company’s dedication to its clients’ financial well-being.
Discover the Digital and Technological Features Offered by Amica Mutual Insurance Company
Mobile App Features and Functionality
Amica Mutual Insurance Company offers a feature-rich mobile app that enhances the customer experience. The app provides policyholders with access to their insurance information, including policy details and digital insurance cards. It also allows for convenient claims filing and tracking, making it easy for customers to stay informed about the status of their claims.
Additionally, the app offers features like bill payment and policy management, empowering users to have greater control over their insurance matters.
Online Account Management Capabilities
Amica’s online account management platform is designed to offer comprehensive control over insurance policies. Policyholders can log in to their accounts to review and update policy information, make payments, and access important documents.
This digital platform simplifies policy management, reducing the need for manual paperwork and ensuring that customers have quick and secure access to their insurance details.
Digital Tools and Resources
Amica Mutual Insurance Company provides a range of digital tools and resources to assist policyholders in making informed decisions. These resources include educational materials, such as articles and guides, that help customers understand their insurance options better.
Additionally, Amica offers online calculators and interactive tools to help individuals assess their insurance needs and explore different coverage options. These digital resources empower customers to make confident choices when it comes to their insurance coverage.
How Amica Mutual Ranks Among Providers
Amica Mutual Insurance Company operates in a competitive landscape within the insurance industry, facing several prominent competitors. Here are some of the company’s main competitors:
- State Farm: One of the largest and most recognizable insurers in the United States, State Farm offers a wide range of insurance products, including auto, home, and life insurance. They have an extensive network of agents and a strong online presence.
- Geico: Known for its memorable advertising campaigns, Geico provides competitive rates for auto insurance. They emphasize a straightforward online experience and offer a variety of coverage options.
- Progressive: Progressive is known for its innovative approach to auto insurance, including features like usage-based insurance. They offer a wide range of discounts and have a strong online presence, appealing to tech-savvy customers.
- Allstate: Allstate is another major player in the insurance industry, offering auto, home, and life insurance. They focus on personalized coverage options and have a strong network of local agents.
- USAA: While primarily serving military personnel and their families, USAA is a significant competitor in the insurance market. They are known for exceptional customer service and comprehensive coverage options.
- Nationwide: With a wide array of insurance products, Nationwide competes by offering various discounts and coverage options. They emphasize personalized service and have a network of agents across the country.
- Liberty Mutual: Liberty Mutual offers a range of insurance products and has a strong emphasis on customizable coverage. They also provide various discounts and offer a user-friendly online experience.
- Farmers Insurance: Farmers Insurance offers various insurance products and focuses on local agents providing personalized service. They offer a variety of coverage options and discounts.
These competitors, among others, provide a range of options for consumers seeking insurance coverage.
Frequently Asked Questions
What types of insurance coverage does Amica Mutual offer?
Amica Mutual Insurance Company provides a diverse range of coverage options, including auto insurance, home insurance, life insurance, and renters insurance.
How does Amica Mutual Insurance Company handle claims?
Amica Mutual offers a streamlined claims process, allowing customers to file claims online, over the phone, or through mobile apps. The company is known for its efficient claim processing, with a focus on quick turnaround times.
What discounts are available with Amica Mutual Insurance?
Amica Mutual provides various discounts to its customers. The average monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver. To get specific details on available discounts, customers can use the free quote tool on the Amica Mutual website.
What digital features does Amica Mutual Insurance Company offer?
Amica Mutual has a feature-rich mobile app that allows policyholders to access insurance information, file claims, and manage policies. The online account management platform provides comprehensive control over policies, enabling customers to review and update information, make payments, and access important documents.
How does Amica Mutual Insurance Company compare to other providers in the industry?
Amica Mutual operates in a competitive landscape within the insurance industry, facing competitors such as Geico, Progressive, and State Farm. Customers can use the free quote tool to compare rates and coverage options, ensuring they make informed decisions based on their needs and preferences.
Compare Insurance Providers Rates to Save Up to 75%
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
