Amica Property and Casualty Insurance Company Review (2024)
Amica Property and Casualty Insurance Company stands as a reliable choice for those seeking comprehensive coverage with an A+ A.M. Best rating and a commendable track record of customer satisfaction.
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 Property and Casualty Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Comprehensive range of insurance options
- Exceptional customer service
- Customizable policies to fit individual needs
- Attractive bundling discounts
- Strong financial stability
Cons
- Rates might be slightly higher than some competitors due to comprehensive coverage
- Limited physical locations for in-person assistance
Amica Property and Casualty Insurance Company, a trusted industry leader, offers a comprehensive range of insurance policies tailored to safeguard assets and provide peace of mind. From auto and home insurance to renter’s and umbrella coverage, Amica presents a versatile suite of options catering to various needs.
Their auto insurance boasts features like roadside assistance, while home insurance safeguards against fire and theft. Renter’s insurance covers personal belongings and liability, and umbrella insurance offers an extra layer of protection.
With a low complaint level and an A+ A.M. Best rating, Amica’s pros include customizable policies, exceptional customer service, and attractive bundling discounts, ensuring individuals can find tailored solutions for their insurance needs.
Amica Property and Casualty Insurance Company Insurance Coverage Options
Amica Property and Casualty Insurance Company offers a diverse array of coverage options to cater to various insurance needs. These options include:
- Auto Insurance: Amica’s auto insurance provides coverage for accidents, injuries, and property damage. They offer comprehensive, collision, and liability coverage, as well as features like roadside assistance and rental reimbursement.
- Home Insurance: With Amica’s home insurance, you can protect your dwelling, personal belongings, and liability. Coverage includes events like fire, theft, and natural disasters, and you have the option to bundle your home and auto insurance for added savings.
- Renter’s Insurance: Amica’s renter’s insurance safeguards your personal belongings, liability, and additional living expenses if your rented space becomes uninhabitable due to covered events.
- Umbrella Insurance: This type of insurance extends liability coverage beyond the limits of your standard policies. It provides an extra layer of protection for unforeseen situations that could potentially lead to legal actions and substantial financial loss.
These coverage options ensure that Amica caters to a wide range of insurance needs, from vehicle protection to safeguarding your home, belongings, and personal liability.
Read more: Amica Auto Insurance Review
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Amica Property and Casualty Insurance Company Insurance Rates Breakdown
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| Driver Profile | Amica Property and Casualty | National Average |
|---|---|---|
| Clean Record | $190 | $119 |
| 1+ Ticket | $210 | $147 |
| 1+ Accident | $230 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $327 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Amica Property and Casualty Insurance Company Discounts Available
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| Discount | Amica Property and Casualty Insurance Company |
|---|---|
| Anti Theft | 8% |
| Good Student | 10% |
| Low Mileage | 7% |
| Paperless | 5% |
| Safe Driver | 6% |
| Senior Driver | 12% |
Amica Property and Casualty Insurance Company presents a variety of discounts that can help policyholders save on their insurance premiums. These discounts include:
- Multi-policy Discount: By bundling multiple insurance policies, such as auto and home insurance, customers can enjoy significant savings on their premiums.
- Claim-free Discount: Policyholders with a history of no claims can benefit from reduced rates as a reward for maintaining a clean claims record.
- Loyalty Discount: Amica values long-term relationships with its customers. Those who stay with the company for several years can qualify for loyalty discounts.
- Safety Features Discount: If your vehicle is equipped with safety features like anti-lock brakes, airbags, or anti-theft devices, you could be eligible for discounts.
- Paid-in-full Discount: Opting to pay your premium in full upfront can lead to a reduction in your overall insurance costs.
- E-discount: Going paperless and receiving your policy documents electronically can result in additional savings.
- Good Student Discount: Young drivers who maintain good grades in school can take advantage of lower premiums.
- Auto Pay Discount: Enrolling in automatic premium payments can lead to discounts, streamlining your payment process.
These discounts reflect Amica’s commitment to rewarding responsible behavior, customer loyalty, and safety-conscious choices. By taking advantage of these opportunities, policyholders can enjoy more affordable insurance coverage while maintaining high-quality protection.
How Amica Property and Casualty Insurance Company Ranks Among Providers
Amica Property and Casualty Insurance operates in a competitive landscape where several prominent companies vie for customers’ insurance needs. Here are some of the main competitors that share the insurance market with Amica:
- State Farm: Known for its extensive network and diverse range of insurance products, State Farm is a major player in the insurance industry. They offer auto, home, life, and other types of insurance, backed by a strong agent network.
- Geico: Recognized for its catchy advertising and competitive rates, Geico offers direct-to-consumer insurance policies. They specialize in auto insurance but also provide coverage for other needs.
- Allstate: A well-established insurance provider, Allstate offers a comprehensive selection of insurance products, including auto, home, and life insurance. They emphasize personalized coverage and features like accident forgiveness.
- Progressive: Progressive is known for its innovative approach, offering usage-based insurance and a wide range of coverage options. They also focus on providing competitive rates for auto insurance.
- Liberty Mutual: Liberty Mutual offers various insurance options, including auto, home, and renters insurance. They provide customizable coverage and discounts, along with digital tools for policy management.
- Nationwide: With a strong presence in the insurance market, Nationwide offers a variety of insurance products, including auto, home, and pet insurance. They emphasize customer-centric services and discounts.
- Travelers: Travelers is known for its wide array of insurance solutions, catering to individuals and businesses. They offer coverage for auto, home, and specialized needs such as umbrella and business insurance.
These competitors, along with Amica, contribute to the diverse landscape of insurance choices available to consumers. Each company has its own strengths and unique selling points, creating a dynamic market where customers can explore various options based on their preferences and needs.
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Amica Property and Casualty Insurance Company Claims Process
Ease of Filing a Claim
Amica Property and Casualty Insurance Company offers a user-friendly claims process, providing multiple options for policyholders to file their claims. Whether you prefer online convenience, phone assistance, or mobile app accessibility, Amica has you covered.
Their commitment to customer satisfaction extends to the ease of initiating a claim, ensuring a hassle-free experience for their insured individuals.
Average Claim Processing Time
Amica is known for its efficient claims processing. On average, they strive to handle claims promptly and professionally, minimizing the stress that often accompanies insurance claims. Policyholders can expect a streamlined process that prioritizes their needs and aims to deliver timely resolutions.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance. Amica consistently receives positive reviews regarding their claim resolutions and payouts. Their dedication to providing fair and prompt compensation for covered incidents has earned them a reputation for reliability and trustworthiness in the insurance industry.
Amica Property and Casualty Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Amica’s mobile app is a powerful tool for policyholders. It offers a range of features and functionalities that make managing insurance policies convenient. From viewing policy details to filing claims, the app provides a seamless digital experience, putting policyholders in control of their coverage on the go.
Online Account Management Capabilities
Managing insurance policies online has never been easier with Amica. Their online account management capabilities allow policyholders to access important information, update policies, and make payments from the comfort of their homes. This digital convenience ensures that policyholders can stay informed and in control of their coverage at all times.
Digital Tools and Resources
Amica provides a wealth of digital tools and resources to assist policyholders in making informed decisions. Whether you need to calculate insurance quotes, understand coverage options, or access educational materials, Amica’s digital offerings are designed to empower individuals with the information they need to protect their assets and make confident insurance choices.
Frequently Asked Questions
What makes Amica Insurance unique?
Amica’s commitment to personalized coverage, exceptional customer service, and comprehensive protection sets them apart in the insurance landscape.
Can I customize my auto insurance policy?
Absolutely! Amica allows you to tailor your auto insurance policy to your preferences, ensuring you get the coverage you need.
Are there discounts for bundling home and auto insurance?
Yes, Amica offers attractive discounts when you bundle your home and auto insurance policies, helping you save while maximizing coverage.
Who should consider umbrella insurance?
Umbrella insurance is recommended for individuals with valuable assets, as it provides an extra layer of protection beyond standard policies.
How does Amica’s auto insurance stand out?
Amica’s auto insurance offers features like roadside assistance and rental reimbursement, providing comprehensive coverage for drivers.
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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.
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