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Amica Insurance Review 2019: Complaints, Ratings and Coverage

March 21, 2019
Auto Insurance, Insurance
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at a glance

  • Customer satisfaction ratings for Amica are generally top-notch.
  • Amica has fewer consumer complaints than the industry median relative to its size.
  • Amica’s auto insurance includes several free perks most insurers don’t, such as free lock and airbag replacement.

Overview

Amica isn’t among the nation’s largest insurers, but this company is mighty in terms of customer satisfaction ratings. If you want insurance policies with built-in perks that you can bundle together for a discount, give Amica a look.


Amica insurance review details

Auto insurance rating

4.5 cheatgame.info rating

Amica ranked 3rd out of 24 insurers in cheatgame.info’s ranking of the best car insurance companies, earning 4.5 stars out of 5 for overall performance. cheatgame.info’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction.
  • Consumer Reports customer satisfaction ratings.
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners.

Amica auto insurance coverage options

Amica offers the standard menu of auto insurance coverage, though its policies come with some attractive built-in perks, including:

  • Depreciation won’t be taken into account if your car is totaled within the first year of ownership (not available in all states).
  • Free lock replacement if you lose your keys or they’re stolen.
  • Free repair of an airbag after it deploys.
  • Total reimbursement for lost earnings if you go to court at Amica’s request.

With Platinum Choice Auto, you may be able to choose one or all of the following to add to your policy for a cost:

  • Advantage rewards: You earn points for good driving, time with the company, referring new customers or adding other policies. You can use the points for accident forgiveness (preventing a price increase if you get in an accident) or to pay down or eliminate the deductible.
  • Identity fraud monitoring: The service provides 24/7 monitoring at the three major credit bureaus and access to a fraud specialist if your identity is stolen.
  • Full glass coverage: You pay no deductible for glass repairs.
  • Prestige rental coverage: You get up to $5,000 toward the rental of a comparable car if yours is in an accident.

» MORE: Compare car insurance

Amica homeowners insurance coverage options

The company offers standard home insurance coverage, as well as some unconventional upgrades.

  • Home business coverage pays for work-related items if they’re lost or stolen.
  • Catastrophic coverage pays for property damage from earthquakes or floods, not typically included in standard policies.
  • Dwelling replacement coverage pays out if your home needs repairs exceeding the policy limit — up to 30%.

Amica’s Platinum Choice policy includes the optional coverages above (except catastrophic), :

  • Additional coverage for liability and medical payments, business property and theft of valuables.
  • Replacement cost reimbursement for damaged or stolen items, rather than the depreciated value.
  • Water backup/sump overflow, in case water backup causes damage, up to $5,000.
  • Credit card coverage worth up to $5,000 if your card is used fraudulently.
  • Computer coverage, which includes tablets, smart TVs and phones.
  • A loss assessment plan, which covers community property near your home.

Home Repair Assistance Program: Amica partners with Contractor Connection, a national network of 2,000 licensed and insured contractors. Your claims process will be hassle-free and the professionals can be on the scene within hours of an emergency, Amica says.

Amica life insurance coverage options

Amica offers both whole and term life insurance policies.

Level term life is available for 10, 15, 20, 25 or 30 year terms. The price stays the same throughout the term, and you can buy from $100,000 to more than $1 million of coverage.

Annual renewable term will cover you up to age 85 as long as you pay your premiums. The price goes up each year as you age.

The company also offers whole life insurance, including smaller whole life policies, ranging from $5,000 to $25,000 with no medical exam.

Other insurance from Amica

If you like bundling insurance products, you can do so with Amica, which also offers:

  • Condo insurance.
  • Renters insurance.
  • Boat insurance.
  • Motorcycle insurance.
  • Umbrella insurance.
  • Small business insurance.
  • Wedding and event insurance.

Amica at a glance

Financial strength: A+ (‘superior’)

Amica’s financial strength is “superior,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Complaints

Amica had fewer than the median number of complaints to state regulators in 2018 relative to its size for home, life and auto insurance, according to the latest data from the National Association of Insurance Commissioners.

Customer satisfaction

Amica stands out for its customer satisfaction scores, earning the highest honors in two J.D. Power studies, as well as Consumer Reports surveys.

J.D. Power studyAmica ranks...
Insurance Shopping (Auto)Better than most
Auto Insurance Claims SatisfactionAmong the best
Home InsuranceAmong the best, with top award
Property Insurance ClaimsAmong the best, with top award

More about Amica

Dividend-paying policies: You can opt to pay extra upfront for a dividend-paying auto, home, boat or umbrella liability policy. As a mutual insurance company, Amica does not have investors or stockholders; the policyholders own the company. The dividend payouts are not guaranteed and are not available in all states.

Website: Amica’s website offers many explainers, FAQs and a clear rundown of product choices. You can log in to file and track claims, pay bills and see or update policy details.

Mobile app: Amica’s apps for iPhone and Android let you report and track claims, make payments, connect with repair professionals, view auto insurance ID cards and get roadside assistance.

cheatgame.info’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:

  • 2018 consumer complaints data from the National Association of Insurance Commissioners for private passenger auto insurance. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
  • 2017 company satisfaction data from Consumer Reports’ most recent car insurance survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2018 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2018 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.

Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.


cheatgame.info is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover