| |
| Reputation: |
A.M. Best rating |
Year founded |
Convenience: |
Monthly payments? |
Credit cards accepted? |
| |
A++ |
1907 |
|
 |
|
| Online Services: |
Get quotes? |
Compare prices? |
Buy policy? |
Manage policy? |
Pay? |
Submit claims? |
Track claims? |
| |
|
|
|
|
|
|
|
| Coverage Types: |
Auto |
Health |
Life |
Property |
Mobile Homes |
RV |
Motorcycle |
Boat |
ATV |
Financial Products |
| |
|
|
|
|
|
|
|
|
|
|
| Sample Auto premiums* |
Sample Auto premiums** |
Sample Homeowners Insurance premiums† |
Sample Homeowners Insurance premiums†† |
2005 justified complaint ratios Auto insurance‡ |
2005 Justified complaint ratios Homeowners insurance‡ |
| $1,665 |
$4,017 |
$1,344 |
$1,452 |
|
5.7 |
Amica is an insurance company that has been around for almost 100 years. They pride themselves on their excellent customer service and strive to pay all claims within a 24-hour period and boast a superior A++ AM Best rating. Since they don’t use agents, it cuts operational costs, which is translated into lower rates for customers. To further aid in customer satisfaction, report claims can be filed online. Amica offers auto, home, condo, life, and renters insurance.
Home
Homeowners Insurance includes property and liability coverage.
- Property coverage includes damage to the home, damage to structures on the property, and damage to personal property.
- Liability coverage includes personal liability coverage and medical payments to others who are injured on your property.
Some benefits of Amica’s Homeowners Insurance include payment for cost of living if the home is not habitable following an incident, payment for temporary repairs to prevent further damage, payment for debris removal, and credit card reimbursement in cases of fraudulent abuse.
Auto
Auto Insurance through Amica includes liability, medical payments, collision, uninsured motorists, and personal injury protection, among others. Other options allow for towing, substitute transportation (if the customer’s car is being repaired), loan/lease gap coverage, as well as special equipment coverage. Amica aims to give the best rates possible and offers great ways to lower rates for customers, including driver training, alarm systems, and anti-lock brakes just to name a few. Things like a customer’s address, age, and driving record are all taken into consideration when estimating rates.
Condo
Condo Insurance also offers protection for property and liability and includes coop owners as well. This policy covers personal property in many circumstances; it provides dwelling coverage for certain items/appliances, among other benefits. Liability coverage is broken down into Personal Liability coverage and Medical Payments to Others. While not as extensive, renters insurance also offers personal property and liability coverage.
Life
Amica’s life insurance plans are tailored to customers’ needs. They even offer free advice with their already competitive rates. Their representatives will look at each individual’s needs and make the best recommendations for the appropriate situations. Additionally, inside the cover of each policy is a reference index of important provisions, which is designed to educate customers about the details of their coverage.
* Standard Auto Coverage, Contra Costa-Concord, Male holds a drivers license for 9-15 years drives Ford Explorer 7,600-10,000 miles/year and has 1 traffic ticket
** Standard Auto Coverage, Los Angeles-Santa Monica, Married couple drive 9,000-16,000 miles/year and both have 1 traffic ticket each and no accidents
† Homeowners Insurance, $1000 deductible, age of home 26-40 years, Contra Costa-Concord, amount of coverage $400,000
†† Homeowners Insurance, $2500 deductible, age of home 26-40 years, Los Angeles Santa Monica, amount of coverage $400,000
‡ A justified complaint ratio is based on the number of justified complaints per 100,000 policies or exposures as determined by the California Department of Insurance |
|
Farmer 
