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Amica Mutual Car Insurance Review

Amica Mutual Insurance Company was founded in 1907 and has its headquarters in Lincoln, Rhode Island. The company is one of the larger car insurance companies in the United States, with annual revenues of over $16 billion, and employs more than 3,200 people in 40 offices across the nation.

Amica Customer Service

Amica has the distinction of having been consistently rated the car insurance company with the highest customer-satisfaction rating in the United States. The company has held this position for the past twelve years in the J. D. Power and Associates independent survey of customer satisfaction. Amica scored five out of five stars in all categories recorded. In 2011 Amica’s score on the J.D. Power and Associates Customer Satisfaction Index was 843 out of a possible 1,000 points, placing it in first place overall among the thirty-three major companies reviewed.

How Popular is Amica Mutual?

What is surprising about these ratings is that relatively few people know about Amica’s products. The company relies heavily on its internet presence and direct-marketing strategies, plus word-of-mouth from satisfied customers, to promote its products. Amica does not have television commercials with iconic figures which are easily recognized throughout the country like GEICO or Allstate. The company seems to feel that its quality of customer service and products is enough to promote itself – and so far, it has been correct in this theory.

About Amica Mutual Insurance Products

The Amica Corporation offers homeowners, life and car insurance, although its car insurance is the largest and most diverse division of the company. The company’s website offers comprehensive content on all the available insurance products and was developed with the customer service you would expect from such a highly rated company. Not all Amica products are offered in every state, but the website has an easy-to-use tool which allows you to quickly find which products are offered in your state.

Amica offers a wide variety of car insurance coverage. Liability insurance is available in a variety of limit levels and deductible amounts. Amica also offers collision coverage and comprehensive car insurance along with various supplemental insurance plans such as medical expenses and uninsured motorist coverage as well. For most drivers Amica Mutual has almost any car insurance option you need.

Amica Car Insurance Discounts

Amica also offers discounts to its regular premium prices for many different reasons. If you renew your policy yearly with Amica, you automatically receive a renewal discount. A year of good driving, with no traffic violations or accidents, will earn you a “good driver” discount. You can get a discount for bundling all your insurance policies with Amica or for having a multi-car policy, as well. Amica has a special program called “Advantage Points” which allows you to eliminate your deductible each year you do not have a claim, and to earn “accident forgiveness” in exchange for years of good driving.

How to buy Amica Car Insurance?

Amica operates primarily through its website, offering online quotes and a phone number to speak directly to an agent. While Amica maintains 40 regional offices, it does not employ dedicated agents in local offices. All of Amica’s business is done directly with the company. If you prefer working with an independent or dedicated agent, this may present a problem; however, with Amica’s reputation for great customer service, none of the current Amica customers seem to miss having a local office to which they can refer questions. Amica maintains a 24-hour, 7-day-a-week switchboard operated by friendly customer service representatives who can give you a quote, help you file a claim, or answer questions about your coverage. On the website, you can also manage your account, pay your bill, file and track claims, and look up information about your coverage.

Although Amica does not have local agents, there are regional offices in most states which allow you to deal directly with your regional operatives if you have problems with a claim. These regional offices also supply adjustors to quickly meet your needs if you have an accident and expedite your claims handling.

With its number-one reputation for customer service, its relatively reasonable prices in most markets, and its variable policy offerings, Amica may be the company for you.

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