Amica Insurance: The Inside Scoop

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About Amica

Amica is a mutual insurance company, meaning it's owned by policyholders. Because it's a mutual company, some Amica policies offer dividends. Dividends are annual returns of what you've paid and are based on the performance of the company. Amica says average payments are 5% to 20% of your annual premiums, although dividend money can't be guaranteed.

Amica's largest business is auto insurance, which makes up about 58% of its premiums, according to S&P Global Market Intelligence. It also sells insurance for homes, renters, motorcycles and boats. Life insurance is also available.

Amica scored at the top and "among the best" for claims satisfaction among car insurance customers in J.D. Power's 2018 Auto Claims Satisfaction Study. Only Erie Insurance ranked higher.

Amica also scored "better than most" in J.D. Power's 2018 U.S. Insurance Shopping Study, which measures satisfaction among customers who recently purchased a policy.

Amica Mutual Insurance Co. is based in Lincoln, Rhode Island.

Amica car insurance options

Every insurance company must file its auto insurance rates and policies in each state where it operates. We reviewed Amica's filings in many states to bring you the inside scoop on coverage options, discounts and surcharges.

Amica offers all the fundamental coverage options you'd expect such as liability, collision, comprehensive, uninsured motorist and roadside assistance coverage.

For those looking to save on a package of auto insurance features, Amica offers "Platinum Choice Auto." Features of the package vary by state but can include:

  • Advantage Points that will lower or eliminate costs after an accident. You can use points to lower a surcharge for an accident or lower or a deductible amount.
  • Full glass coverage.
  • Identity fraud monitoring.
  • Better rental car coverage if you need a rental after a car accident, with a higher total limit.

Here's a look at whether Amica offers other auto insurance options.

SR-22 filings

Proof of financial responsibility.

Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
Non-owner insurance

Liability insurance for people who don't own vehicles but who want liability insurance for borrowed and rented cars.

Rideshare insurance

Extra coverage for Uber drivers and others.

Source: EverQuote research. Product options might not be available in all states.

Amica auto insurance discounts

We reviewed state insurance filings to find the details of Amica car insurance discounts. Note that discount details and availability can vary by state.

A discount for customer who own a home, even if it's not insured with Amica.

Claim free discount
For not having claims in the last three years and at least one driver on the policy with at least 39 months of driving experience.

Defensive driver training
For customers who complete an approved accident-prevention class. The minimum age for the discount varies by state.

Good student
For drivers age 25 or under who are full-time high school or college students and who have a B average or better, or are in the upper 20% of their class, or who meet other academic criteria to qualify for the discount.

Student away at school
For customers who have a child away at school full-time and without a car.

For customers under age 30 who are on their own and whose parents had Amica car insurance for at least five consecutive years.

Anti-theft device
Can include a car alarm, hood lock, disabling device, vehicle-recovery system or tracking system.

Passive restraint
Such as air bags.

Electronic stability control

Forward collision warning systems

Adaptive headlights

A discount for car insurance customers who also buy a homeowners, life and/or umbrella policy.

For insuring more than one vehicle with Amica.

Paid in full
For paying the whole bill for the policy period upfront.

Loyalty discount
A discount based on how long you've been with Amica.

Auto pay
For paying your bill with automatic deductions.

For agreeing to receive bills and policy documents electronically.

Amica insurance surcharges

Auto insurance companies typically raise rates if you've got tickets or accidents on your driving record.

Amica will look back three years at a driving record, looking for moving violation convictions and accidents. These will be assigned points and can affect your rate:

  1. Violations are assigned points depending on their severity. The worst violations for points are DUIs, refusing to take a chemical test (such as a breathalyzer), driving with a suspended license, failing to stop after an accident, highway racing and others.
  2. Accidents that will count against you are accidents that result in bodily injury or death, or accidents that caused property damage above a certain amount, such as $1,500.

Insurers must disclose their surcharges in state filings. Here are surcharges we found in our review of Amica's insurance filings. These might vary by state.

  • Financial responsibility filing surcharge for those needing a proof of insurance filing, such as an SR-22.
  • Inexperienced operator surcharge for drivers licensed two years or less.

Companies within Amica Mutual Group

  • Amica Mutual Insurance Co.
  • Amica Life Insurance Co.
  • Amica Property and Casualty Insurance Co.
  • Amica Texas Insurance Co.

Insurance filings source: S&P Global Market Intelligence

Posted Jan. 8, 2019

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