Is Amica Mutual A Good Insurance Company?
To answer shorly, yes, Amica Mutual Insurance is an excellent insurance company!
Rater | Rating |
---|---|
Insuranks customer reviews | 4.4/5 |
Insuranks expert review | 4.5/5 |
AM Best Financial Strength Rating | A+ (Superior) * As of February 2021 |
Nerdwallet expert review | 5/5 |
ValuePenguin expert review | 9/10 |
TheZebra expert review | 4/5 |
Clearsurance customer reviews | 4.24/5 |
BBB rating | A+ (highest) |
BBB customer reviews | 1.48/5 |
ConsumerAffairs expert review | 4/5 |
Amica Mutual Insurance Company may not be the country’s largest insurer, it’s actually the country’s oldest insurer as far as auto insurance is concerned. In fact, Amica Mutual first started their business selling automobile insurance in 1907 , several decades before the majority of the general public owned cars!
When most people think of auto insurance, they tend to first think of the usual “Big Insurers,” such as:
While these insurers are huge publicly traded organizations and provide almost every type of insurance imaginable, from home insurance to marine insurance , they, unfortunately, have their drawbacks. The biggest disadvantage of working with these large conglomerates is that they often fail when it comes to one-on-one conversations.
When working with Amica Mutual Insurance, you’re more likely to get that “small business hospitality” that you’re used to getting when you pop into your neighborhood diner for a coffee and breakfast. It just feels better knowing that you’re in the hands of people who actually care about you.
If you are considering switching your insurance to Amica Mutual or you’ve been wondering about Amica Mutual benefits that you can take advantage of, then this article has you covered! Below we’ll give you a complete breakdown of some of Amica Mutual Insurance’s most popular options and benefits.
Get all the best quotes from leading providers in a click of a button!
Suppose you just look at the surface value of Amica Mutual’s auto insurance policies. In that case, you’ll probably find that they aren’t all that different from many of the other auto insurance policies that you may have had in the past. Whether you’re insuring a cheap car or a luxury sports car , Amica Mutual has a policy for you! They offer all of the basic coverages, including:
Basic liability
Comprehensive
Personal injury protection
Collision
Theft
And full coverage policies as well!
However, if you take the time to read through the fine print of your agreement you’ll also find numerous other benefits that truly make Amica Mutual Insurance a one-of-a-kind company! Let’s take a look.
No matter which Amica Mutual Insurance policy that you end up signing up for, you’ll receive free airbag repairs anytime that your airbags deploy. While airbags are designed to deploy only in the event of an impact with another car, motorcycle, or another solid object, some cars have been known to have faulty airbag systems that can randomly deploy (even if you’re not in immediate danger).
Even if you’re an obsessive-compulsive type-A, let’s face it, keep up with everything type of person, even you might accidentally lose your keys. It might not even be your fault! Perhaps you drop them down a drain, or somebody steals them while you’re eating out at a restaurant. However, whatever the case is, you can rest easy knowing that your Amica Mutual Insurance policy will cover all costs related to replacing the locks on your car and providing you with a new set of keys.
Don’t you hate it when a rock flies out of the grooves on an 18-wheeler’s tire and smashes right into your windshield, giving you a gnarly impact crater? If you were to call up a traditional auto glass repair shop, you’d likely pay anywhere from $75 to $100 to get the crack filled and sealed so that it didn’t expand and ruin your windshield forever.
However, if you’re an Amica Mutual Insurance policyholder, then they’ll cover all of the costs of repairing your broken or damaged auto glass. If you need your full windshield replaced altogether, they’ll still cover it, but you may need to have a comprehensive auto insurance policy with them.
While most of us try to be good drivers, sometimes we get caught up in the moment, end up racing down the street, speeding home from work, or even get a bit of old-fashioned road rage, specifically if you're a teen or new driver. If you end up in jail due to your driving shenanigans, then Amica Mutual Insurance will pay up to $1,000 towards your bail bonds! This makes them the only auto insurer in America that helps its policyholders out with jail.
In addition to paying a portion of your jail bail bonds, Amica Mutual Insurance will also compensate you if you’re required to show up in a courtroom, whether the accident was your fault or not. If you have to call out of work or miss an important event, then Amica Mutual will mail you a check right to your front door!
In addition to its high-quality auto insurance policies, Amica Mutual Insurance Company also provides insurance for homeowners. Aside from the general coverages provided by most homeowner’s insurance policies, here are some of the unique Amica Mutual Insurance benefits that you can take advantage of as a policyholder.
Most homeowner’s insurance policies cover all of the basic accidents that can happen, such as dryer fires, stove fires, burst pipes, or exploding water heaters. However, very few insurers cover catastrophic events unless you pay for them separately. By default, all homeowner’s insurance policies offered by Amica Mutual include coverage for catastrophes such as earthquakes, floods, blizzards, and tornados.
If the damage to your home is going to be something that takes a considerable amount of time to repair, then Amica Mutual Insurance will pay for you to stay somewhere else! Whether you have to rent lodging from a family member, stay in a hotel, or rent another house on Air BnB or VRBO, Amica Mutual will make sure that all of your costs are covered up to a reasonable amount.
Here are 2 of the top reasons why more people are starting to sign up for Amica Mutual Insurance Company.
While big-name brands are certainly more popular because more people have heard of them, you’re also going to pay more money in premium fees thanks to the company’s multi-million-dollar advertising budget. Working with a smaller insurer like Amica Mutual ensures that you won’t have to spend so much on monthly insurance premiums, no matter whether you purchase home insurance, auto insurance, or bundle auto and home insurance policies together to save more money on your car insurance!
As we mentioned above, the level of customer service that you’ll get working with a smaller insurer far exceeds the level of coverage that you could expect from a large multi-national conglomerate. That means shorter wait times on the phone, more personal service, and professionalism that’s taken to a higher degree.
Get all the best quotes from leading providers in a click of a button!
Sources:
I was hopeful about going with Travelers. My cousin oversees the building of large hotels (the W and Virgin in Nashville) and told me that is who he had used commercially. But after having roof damage from a storm, I have had a really bad experience. From the very first person I dealt with, it became quickly clear from my first dealings and was confirmed throughout the process, is how little they care about the people they insure and how they truly want to pay as little as possible. While my neighbors were having positive experiences with their insurance companies after the storm, mine has been terrible. I would highly recommend staying far away from Travelers Insurance and going with literally anyone else but them. —Jason McAnally
AAA is only good if you never have to use them. My daughter was borrowing my car and got hit by a hit-and-run driver who left the scene. AAA would not pay for damages on my car because she was not on the policy and I didn't have full coverage on my car I did have uninsured motorists but they still would not pay the claim so I have a wrecked car and now AAA is canceling my insurance What a waste of time and money. We reported to insurance board and still nothing was done. I'm going back to allstate, atleast they pay claims.
The quote they gave me was not the correct price. it turned out to be twice the amount they said. Plus the agency is in California 1500 miles away and I received bad customer service.
Horrible, we are DRIV3 Rentals a Car Rental Company in Los Angeles California. One of our clients purchased a Bonzah policy to rent a vehicle from us. An accident occurred where there has been significant damage to our 2021 BMW M4, we proceeded to file a claim with Bonzah. Let me just say the way this company handles claims is from the stone age. They do not contact you anywhere except emails. Our company has been in a 100+ email chain with Paul and Art from Bonzah for at least a month. They have confused our claim with other claims and at times just simply not responded back at all. We supplied all the necessary information needed for the claim and everything seemed ok. Fast forward to last week out of no where Paul stops answering so we call him over and over until he answers at this point he not once told us this by the way that they pulled the police report and our driver isn't listed, this is false as I immediately went to the LAPD police station and found out the report Paul pulled was filed online from one of the other drivers and not an official report from the officer on the scene, the officer on the scene made a statement in which debunks that whole claim and in fact our driver was the driver. I have never in my 20 years in the auto industry been accused of anything like this furthermore Paul stating that oh we don't know if your driver knows the other driver and they could have planned this. Insane really, Paul stated that if we could get a statement from the officer he would expedite our claim and damages check, Paul, Art and Bonzah has since started to ignore us. They don't answer calls, emails, text messages anything for almost 2 weeks now. How ironic that once we debunk their claim of our client not being the driver they stop responding. Don't use this company, stay far away.
We have been with progressive for 18+ but Have to give a one star with this experience. We hit a big rock on the highway. Randell Fergen repair rep . argued with me; claimed I was off roading in my car, which I have never done . Randell told me “this was not an isolated incident”. Because my other wheels had scratches according to him. The auto shop they picked and Randell told me it the wheel just needs a balance . Randell quoted me the price I would have to pay for the balance. I took the car to Discount Tire since the balance is covered. Discount told me “the wheel is bend badly” We called back to the rep Kiera Washington to update her and ask for a new repair rep. She said she could not and when I asked to speak to her supervisor she said “ I’m not dealing with you” and hung up on me ????