Amica Auto InsuranceConsumerAffairs Unaccredited Brand
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I signed up with Amica for a 1 year Auto & Home policy in July 2017. I knew at that time I was selecting an insurance company rated for some of the best service in NA. My original sales representative was very helpful and informative and helped me setup my Iowa policies. He also let me know at the 1 year renewal mark I would have the options of maintaining my coverage for a slight discount or increasing my coverage for a slight increase in premium which I was pleased to hear. Both policies combined were around $2,100~ over the year at $176 plus change monthly which was the most I’d ever paid for insurance, but I was happy to pay it because I came to Amica with the intention of staying put and one day passing this great coverage on to my future children.
I spoke with various representatives as time went by who were always professional and some were extra kind and helpful/caring. And I had good service experiences with Amica. In April 2018 I spoke with a sales representative for New Mexico who advised me that to have the same kinds of policies in New Mexico would be around $12 cheaper per year than Iowa. In May 2018 both policies were changed to New Mexico. In June 2018 I saw my first bill for my New Mexico policies which was $278...
Keep in mind I never had single accident claim that resulted in Amica paying out a dime nor did I incur any speeding or driving related tickets during this period. When I called Amica to find out why my bill had gone up I was informed that 12 months of charges had been packed into 9 months of billing due to the way the billing worked out which I understood, but the bill was still too high even accounting for that.
After more conversations I found out my New Mexico policies were over $2,500 over 12 months and that if Amica had renewed my Iowa policies I would have paid over $2,400 over 12 months. Amica had some professional and even kind representatives that listened to me, but Amica has not empowered them or even the supervisors enough to help someone in my situation. Therefore the dream I had for Amica & I is dead, and the corporation Amica has become like a ??? that bites in my eyes. I am switching to Allstate where for $128 plus change per month I can at least cover the auto fully.
We’re sorry we weren’t able to meet your needs at this time, Abriam. There are many factors that go into pricing a policy. We’ll pass your feedback along and we wish you all the best in the future. Thank you. -KD
Our daughter has a spotless driving record. We are in the process of giving her our 11 year old car that has never been in an accident and has well under 100,000 miles. She lives 1500 miles from us. We drove the car 2 days ago to her new location. She previously lived 2500 miles away on the East Coast. She did not own or drive any car for the past 14 months. She had been on our Amica policy for 6.5 years. First as a high school student with no car of her own and later to an out-of-state honor college student. When she moved to the East Coast, she did not own or drive a car, nor was she a student any longer. Her work provided her with a Metropass. Amica told us to take her off of our policy when she moved to the East Coast 14 months ago. They increased our rate 14% after we took her off because they said they felt like it.
She just accepted a new job in the Midwest. We drove our 11 year old car there and are in the process of giving it to her (her name on the title, and new license plates. She is also getting a new driver's license.) Amica quoted her car insurance policy at $8000!!! She has a clean driving record as does the 11 year old car which also has air bags, alarm, well under 100,000 miles, stabilizer suspension, anti-lock breaks. Amica says they are charging her that because she didn't have insurance last year. How can you have car insurance when you don't own or drive a car? Why did they tell me to take her off our policy and then raise our rates when we had fewer drivers, fewer miles being driven? She received car insurance easily from a different major car insurance company for $972. Amica screws its customers and there is no service from their customer service. Horrible, unethical company.
Updated on 06/29/2018: I was told that I could only privately respond to your unhelpful response which I feel is ridiculous. So Amica here is my response to your "help" in this matter. Your representative agreed that you are not the cheapest in providing car insurance and that you did recommend my daughter go off our policy. Also, the $8000 quote for her individual insurance is firm. The rep could not justify the increase to our policy after the removal of our daughter. Everything I said was confirmed. Amica hates millennials and anyone over fifty. Customer service acts as gatekeepers to screw us with a smile.
We understand that you spoke with a representative about this today. If there's anything you'd like to discuss with us further, we'd be happy to have someone reach out again. Thank you.
I received a quote with the exact same coverages I have with Geico. 100/300 50k property damage 2 cars and $500 deductibles full coverage includes uninsured motorist and $30/900 rental coverage. I pay $150 a month and these clowns wanted $626. Do yourself a favor if you have this company insuring your cars. Call Geico ASAP because odds are you're getting ripped off!
We’re sorry we weren’t able to meet your needs at this time, Stephen. if you’d like to have someone review your quote with you, please send us an email at firstname.lastname@example.org and provide us with your full name and phone number so we can have a representative contact you directly. Thanks. -CB
I live with other family members and a select few tend to forget to give me my mail daily or they’ll get mail from the box and toss the pile in a different area of the house each day and not remember where they put it. So I enrolled for my bills to be emailed monthly to me. I rarely check my email so typically knowing my bill was due the first week of the month and it was always the same amount $100. I used to just log onto Amica.com which my dashboard/profile would show me the amount due and the date it was due by and then I was able to pay it then and there in one shot. In March after I paid my typical bill I added on a second car that I only drive once in a while during the summer time. I was told that it was going to cost an extra $89 a month so my bill total would be $175. She said I would begin seeing this new total come the next bill cycle.
03/31/2018 was the last time Amica had posted a bill to my account. On 04/17/18 I logged onto my Amica profile and my dashboard said I owed $100 immediately and showed no other balance or amount due. So I paid $100 on 04/17/18 and where the dashboard said there was no amount due I figured I was fine until the next upcoming month. Well Amica mailed out a cancellation notice 17 days later after I paid the $100 saying if I didn’t pay $99.67 by 05/29/18 then the policy would be cancelled. Well I never ended up seeing this actual letter until 06/10/18 when a family member had cleaned the kitchen and had found it in a pile of junk mail, she told me she assumed it wasn’t important since she knew I signed up for my bills to be emailed and that I knew to pay each month.
Between the day I made the $100 payment and to the cancellation date 04/17/18 to 05/29/18 not one Amica agent had attempted to contact me by making a phone call to me to let me know I actually had $99.76 past due and it had to be paid before 05/29/18 in order to avoid cancellation. My step dad was hit by a drunk driver the week of Memorial Day weekend which same week Amica was to cancel my policy that I had absolutely no knowledge of. So I traveled miles daily after 05/29/18 until 06/10/18 which when I finally discovered this whole issue which left me stranded miles from home and sleeping outside on a sidewalk in front of the hospital my dad was dying in up in ICU. He had to be placed into induced coma which ended up causing me to be side tracked which I admit is my doing, but I figured everything was ok with my policy and didn’t think an insurance company would cancel me for being a few days late.
This point I figured my bill was due 06/2/18 and forgot about it until 06/10/18. While my dad was in a very high risk surgery I recalled I had put off 2/3 bills and decided to pay them while waiting. I logged onto my Amica profile and my dashboard showed I had to make a payment of $99.76 which threw me off a bit because I assumed by now my second vehicle was going to be billed this time. I paid the $100 and planned to call Amica the next day since I had plans to go home since I didn’t have a babysitter. My dashboard said I had then had $0.00 past due and that next amount due was to be $185.00 due 08/2/18 so again so misleading and assumed everything was fine. Well it wasn’t because I finally was given the letter sent to me on 05/4/18 saying my policy was cancelled 05/29/18 due to $99.76 not being paid. Confused I looked into my past bills which last bill Amica posted was 3/15/18 and it was actually for the amount of roughly $250!
Since that was the case I’d love to know why my dashboard had shown me that only a payment of $150 was due 4/17/18 and not actually the full bill amount! And instead of a normal company that would’ve actually called their client to inform them Amica just sends out a cancellation notice 17 days prior to receiving $150 and saying I’ll be cancelled over a petty $100. When all they needed to do was either give me a phone call or just put the past due $100 into the next bill they could’ve posted and stating it must be paid in full by a certain date. None of this would’ve happened if Amica had actually told me on my dashboard the exact amount the bill was due versus like half the bill.
Then on 6/7/18 when I made the payment of the $100 that my dashboard said was due my dashboard had then said I had zero past due and $185 not due until 8/2/18 which if Amica hasn’t posted a bill to my account on that policy since 3/15/18 and that they cancelled it 5/29/18 how the heck can they say I owe them $185 on 8/2/18 on a policy that isn’t even active any longer! When I paid the $100 on 6/7/18 that was the amount that was due before 5/29/18 to avoid cancellation so technically I was to be caught up on that past policy. When I contacted Amica multiple times they all avoid actually answering my questions and admit their poor communication skills they have with customers. And the fact that this whole cancellation absolutely could’ve been avoided all together.
They just change the subject to the fact that they’ll gladly quote me on starting a new policy which will cost me more monthly due to being cancelled for non payment by last insurer (no crap. It is your company!) and then demand I must pay 20% down upfront to begin the policy! I refuse! If Amica had communicated correctly or put correct amounts due on customers dashboards this wouldn’t have happened! And dealing with my dad in coma and hanging to life by a thread I now deal with this and having no car. So if I am called by the hospital telling me I must get there ASAP I can’t and could possibly miss my chance of saying goodbye to him if it comes down to this. Amica needs to admit to their fault. I can admit to mine that I didn’t get this cancellation notice until after 5/29/18 and it wasn’t due to them mailing it, it was due to family I live with not giving me my mail in a proper manner.
But Amica had no good reason on not placing the full bill amount on my dashboard and accepting me making only half the bill amount payment on 4/17/18 or showing I had no amount at all past due after making this payment. Never once attempting to call me to inform me of their poor billing system which goes good along with their poor communication skills. Then demand I begin a new policy that will cost me more and demand I pay a huge chunk upfront. Then totally avoid answering me on why they never communicated with me by a phone call or the fact their billing/dashboard was incorrect and change the subject to just demanding me they can only offer me a new policy and pay 20% upfront. And plus the fact too I will need to pay the RMV title fees due to having my insurance cancelled!
I truly feel Amica sees that I have carried insurance and drove in the last 12 years straight and those 12 years I have a perfect driving history with not one ticket, citation or pulled over etc and had only made five claims in 12 years to my insurance provider which 4 claims was glass and 1 being an auto accident that I wasn’t at fault for so the amount my insurance provider had paid out to me was given back to them from the person who was at faults insurance company. So Amica sees me as a person who can be taken advantage of. I’m a customer who will pay almost $1500 for the year to insure a car and most likely will not have to file a claim and be paid out any money making it more money given to their company and placed into their pockets that they get to walk away with.
So why not set up miscommunication with billing etc resulting in cancellation (legally they must send a cancellation notice and they probably hoped I was not to see it like I didn’t resulting in this outcome) so they could cancel my current policy and then totally ignore explaining any reasons why mistakes happened on their end, but just shove a “We can give you a new policy which will cost an extra $700 for the year due to you was cancelled for nonpayment and you must pay 20% down today to activate this new policy” all knowing they will most likely be able to walk away with everything I pay at the end of the year.
Why make only $1500 off me a year when it can be set up to where I’m forced to be told I have to pay $2600 a year making it much more they can pocket in the end. I feel I deserve from Amica an apology for their behalf having legit no communication, billing issues where their posted bill amounts do not match the amounts on Amica profile dashboard and not making one phone call to inform their customer that they are about to be cancelled over $100 and then continue to bill amounts and say bills are due on a policy that isn’t active. I deserve to also begin a new policy, but paying the same previous policy premium amount for the two cars I was to be paying and not be required to pay 20% down upfront since I will have no choice in paying out RMV title fees over their miscommunication skills.
Amica is a little over priced to begin with and they are almost $200-$300 more for me yearly than other companies I’ve looked into or have had, Arbella being one of them, but all my family members have very high things to say about Amica and I would love to feel the same, but at this moment it is just impossible. Arbella never would’ve done this to me in the ten years I had been insured with them. They always made sure the full bill amount matched the amount posted to be due online and if this had happen with them then they would’ve contacted me to inform me that there actually was still $100 past due and to pay immediately or give the option they roll over into the next months bill and require I pay the full bill amount.
I did receive a call from an Amica agent few days ago on Friday, but I was in the ICU with my dad and phones are required to be off and typically aren’t even allowed into the room even while off with you due to it can malfunction important machines they have being used on the patient. And it was after 6 pm I had gotten the voicemail along with it was the weekend.
Today I had again to be at the hospital/ICU due to we had to speak of potential arrangements if it comes down to that so I did forget to make the call back, but I plan to speak to the Amica agent tomorrow and I truly hope that Amica had her contact me to fix this and hopefully fix it the right way and not just demand I begin a new policy that will cost almost $500 more and I must pay 20% down upfront. Because honestly I have been not working along paying for child care, now the last week I have had to take public transportation which costs me well over $40 a day there and back. And will possibly have a 50/50 chance I will have to help my family pitch in paying these medical bills and if he gets better he’ll need physical therapy, more bills or passing away which paying for funeral costs is not cheap at all.
Hi Heather. We understand that a representative has reached out to you several times regarding your concerns. If you’d like to continue the discussion, please reach out to us at 800-592-6422. Thank you.
I was pleasantly surprised to actually speak with a manager who explained the situation in Georgia and with my policy, in particular. I understand what happened and appreciated an honest accounting pertaining to my policy. Changes promised by the manager have been confirmed and I am quite happy with my premium.
I can see why Amica has always ranked high in customer service, not just with claims processing. Thank you!
My inflation adjustment for my dwelling liability increased by 6%. But because Amica customers seem to get their claims paid in full, customers who never file claims have to subsidize those payouts.
I don't know if Amica realizes that this high increase in premium on top of already high premiums will drive away customers, leaving them with a smaller base of customers to spread the cost of payouts. Customers who stay with Amica would bear larger and larger premium increases as fewer and fewer customers bear the costs. You'd think that with fewer customers, there would be fewer claims, but that doesn't seem to be the case. It seems that Amica's reliably good claims processing is attracting less desirable risk, while driving away less risky customers. While I could increase my deductible from $1,500 to $2,500, I would not save much on the premium. As a result, it's good practice to shop around for insurance among the Consumer Reports other highly rated insurers.
Hi Naomi. We’d like to discuss your concerns with you. Please send an email to email@example.com with your name and contact information and we’ll have a representative reach out to you directly. Thank you. –KD
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So, after a couple years with Amica Insurance I receive a letter stating they won’t renew my policy because of claims they paid involving; Towing, an accident where my wife and daughter were rear ended and other claim. I decided to go with them for Roadside Assistance. Amica made their Roadside program out to be better than AAA etc. I paid a fee for 5 cars yearly. My daughter had (8) tow claims which they paid but never sending me a letter or notice that there's a limit to claims. My wife and daughter were rear ended last August by an at FAULT driver, Amica chose to add that accident against my policy despite having the At FAULT INSUREDS insurance to go after. My wife got pretty hurt in that accident requiring her to have shoulder surgery from the seat belt of all things.
I lived up to my end of the contract by paying my premiums on time, touting Amica to others to switch over to them. Today (6/11) I get a letter stating they’re dropping me. Why the hell do I pay for Coverage from Amica when it appears the first order of business is to gladly take my premium money only to send me their version of a Dear John letter? I left another because I had faith in Amica. But in the end I’m one person who made the day of some actuarial, computing risk versus revenue and maybe saving Amica a few hundred dollars despite receiving close to $5K a year from me. I tried to look up my daughter's tow claims but found a few, two were for $48.90 each.
Just a month ago they sent me the forms for renewal to keep my "discounts" for my daughter's grades from college, Good Driving discounts etc. Oh by the way my 20 yr old daughter hasn't had an incident since having her license, we've had none in years. Eight tow claims for one car out of Five! Even if the genius actuarial averaged it out based on claims for the other cars that would be 1.6 claims per car. I had $305 in reductions! Not Charges for Merit ratings of all drivers on policy! In my mind someone messed up pretty good, thinking they're saving Amica a few dollars. They also have my house - NO CLAIMS! Thank God. I'm disgusted, very upset and have Zero Faith in Amica. I'll be contacting Mass. AG office and Insurance board especially about the deceptive practice of the Roadside assistance plan.
Updated on 06/12/2018: I was just called by the girl that said she was the one that made the decision not to renew my policy. I asked her; why are you even calling me? She replied she wanted to explain why she made the decision she did. I don't even remember her name, but she said she based it off of the "frequency" of claims made per household, in other words every time my daughter in college called for a jump start, tow etc. (things we were finally able to have figured out and repaired) it counted as a claim on the policy itself! This was something that was never explained to me, I replied; "I'm supposed to tell my daughter in college you have the confidence of Amica being there for you for roadside assistance but don't make too many calls because they'll use it against the household."
She said to me the average person makes a claim once every TEN years! I said, "I guess my family and I of seven are not the average, and, I guess having five cars in a household should up those odds significantly shouldn't it?" I said, "Despite what you're telling me that it isn't about just numbers and statistics and that you were the one responsible for nonrenewal of my policy I guess it is about numbers." I told her she has a lot to learn, she sounds young and in this world it's more than just numbers. Mailing out marketing material stating you're there for people and "it's all about helpfulness" is a crock. I asked her numerous times unless she's calling me to renew my policy I have nothing else to say, her reply was as arrogant as they come; "Well, we did review your policy and decided to hold with the nonrenewal". I said to her, "Thanks, have a nice day!"
Hi Richard. These decisions are not easy for us, and we understand that you’ve already spoken with someone about your policy. We are sorry we could not meet your insurance needs at this time. Thank you.
I currently have Amica & have had it for about 20 years! They are great! They have this payment savings, where you get a month off of a payment & get back a dividend check. However I don't like that they mention you need tow insurance for a tow before you need it! We had 2 cars last year & we are paying the same amount for the insurance as we did for 1 car. But overall, we like our insurance more than dislike. They have been good to us & have treated us fairly well. They respond to you very quickly when you have a problem.
We were with this company for 10 years, 3 cars, plus homeowners, and lately renters. My driving record almost impeccable. They dare to raise our policy in $2,000 in less than a year because my mother had an accident and because I also got involved in an accident, which was absolutely not my fault. I was going to file a claim with the insurance department, but an expert advised us not to bother and just switched to a different company, which we did, for an even better coverage, and half the price. I should have done this a year ago. We would have saved money. No wonder why Amica is not on JD Power's website any longer. They were once, when we enrolled, but they are going down the hill big time.
We had insured with State Farm for many years with no complaints, but when an Amica-covered driver knocked my husband off his bike, wrecking the bike and injuring his shoulder, we were so impressed with Amica's scrupulous coverage and careful treatment, we decided to switch our coverage to them. We've never regretted our decision.
Hi Barbara. We're pleased to hear that you had a great experience with Amica. Thank you for trusting us with your insurance needs! -KD
Got ad in mail from Amica that I was preselected because of my good driving and just one of 25 people could get that nice offer. Quoted price was more than three times higher than I'm paying now! Are you kidding me? Don't waste your time! More than $300 for two cars per months while my current rate is $130. No, thank you! And yes, I checked several times if I entered something wrong or got much better coverage!
Hi Yuri. We’d be happy to review your quote with you. If you’re interested, please send an email to firstname.lastname@example.org with your full name and contact information and we’ll have someone reach out to you directly. Thank you. –KD
I must make this a synopsis, b/c I have already spent way too much time dealing with poor customer service from Amica. After being a customer for at least 10 years making regular on time payments for car insurance I find that Amica does not actually support or care for their customers when it comes down to it. In between final payment of previous policy and renewal we experienced mail/billing issues. When I realized we missed two payments (finally receiving a bill) I paid half immediately and waited to pay the rest of the payment ($275.00) two weeks later, after getting paid. I made the final payment to catch up on Feb. 18, online. When I received a bill in mid March for $24.20, I thought it was odd and called to discuss with CS. I was informed at that time that we were cancelled on 2/16 due to non payment. ($275) We had unknowingly been driving around uninsured for over a month!! Without any notification from Amica.
They swear that they sent numerous letters and made phone calls - never received a word! Now I am dealing with 3 MVA suspension fines that they are sorry they can't help me with. I have never had a worse experience with an insurance company. They may claim to be the best in customer service but when it comes down to it, all they care about is money, just like all the rest of insurance companies. I can't imagine if you suddenly fell ill or had to deal with a life event. This was a simple billing/mail issue that I attempted to remedy as soon as I realized the problem. They cancelled us for less than $300 outstanding bill and then never bothered to tell us we were cancelled, but you better believe they notified the MVA!
Hi Heather. We’d like to discuss your concerns with you. We’ll have a representative reach out to you directly. Thank you. –KD
Amica was very fair with the settlement we received. No bickering at all. As a policyholder with underage drivers it's worth having my Homeowners policy with them to not only keep premiums down but compared to other insurance providers they are much more reasonable with rates for our young drivers. My wife and I also take a online driver's exam every three years to help keep our rates down. The exam helps keep us in the know with changing technology in cars and also changing state driving laws that affect our driving habits. I was told by consumer guru "Clark Howard" Amica was one of the top rated insurance providers and they have proved that to me so far. Their policy seems to be one you can trust.
Hi Rickey. We're thrilled to hear that you're happy with your insurance! Thank you for taking the time to post this kind review.
Amica is the only company that does not seem to price gouge you! Not looking to pocket extra money for themselves. Also, I like it because of the low price and they give you a month no payment.
Service is great but pricey. Homeowners claim one time was handled great. Hail damage... Everything replaced. Other companies didn't help neighbors at all. Associates are knowledgeable and helpful. Support is friendly, timely and the staff advocates for the best possible outcome.
Hi Sally. Thank you so much for your kind review! Customer service is our top priority, so we’re thrilled to hear that you feel this way. We hope you have an excellent day!
My parents have been long time customers of Amica auto and home and everything insurance. They recommended Amica Auto Insurance to me as being reliable. My dad is also an avid consumer reports user- Amica is highly rated there. My experience with Amica has been the complete opposite of pleasant. I got into an accident a year ago where a lady hit the left side of my car by driving past a stop sign while I was driving on the main road. Amica paid out for car repairs and I also got my $1000 deductible back from the opposing driver's insurance company. I was deemed not at fault and thought everything was peachy keen- you know because subrogation is now on the insurance company. WRONG. I move to a different state and start shopping around for insurance companies. FYI, Amica does NOT allow employers to hop on as additional insured/interest. So I had no choice but to leave.
I call Amica up again wanting to confirm that they definitely cannot add them as an additional insured and lo and behold they can, BUT they quoted me DOUBLE. The agent said he could not recommend their policy to me despite the quote he just pulled because it is $400/month and he wouldn't even pay that much. So from all of this, I find out that I have a ding on MY record for an accident that Amica clearly documents was not my fault at all and where Amica was supposed to go through the subrogation process to get their payout back from the opposing driver's insurance. I will be on Amica's shoulders making sure that they carry this situation forward to either erase that ding they threw onto my head (which is ruining my ability to get a decent quote from other insurers) OR report them to the insurance consumer governmental database for the state where I was insured.
FYI If you want to see how many claims have been submitted, do the following- Google search: complaint ratio + insurance + state and click on the link for a consumer index for complaints against insurers. See how many times Amica pops up. The state of California also rates insurance companies- Google search for their ratings. Amica needs to deflate its ego a bit and perform to the standards and high reviews it allegedly gets. Reviews, alone, are not enough. Consumers will shop around and will leave you.
If I were you, I would stay away from Amica. They do not provide much support during the claims process- you will be acting as your own claims agent to remind their agents to do their work. They will not keep you updated- again, they expect you to call them constantly. Also stay away from Progressive. If Satan ever had car insurance, it would be Progressive.
Hi Amrit. We’d like to discuss this with you directly. Could you please email us at email@example.com with your full name and contact information so that we can have someone get in touch with you? Thank you. -CB
Amica seemed like a great company and we were really happy with their rates... at first. We signed up in July 2016- our homeowner's premiums were $3,149, in 2017 they went to $4,011, and then the renewal we just received was for $5,265- over $2,000 in premium increases in two years with NO CLAIMS FILED. Our auto also went up approximately $400 on the renewal quote for next year. Fortunately I was able to find a reasonable company who apparently doesn't hold everyone else's claims against me- and cancel my policies with Amica. I can't even imagine what my renewals would have looked like if I had ever had to file a claim.
Hi Brianna, thanks for your feedback. We’re always listening at Amica, so we’ve passed your feedback along and wish you all the best in the future. Thank you. – KD
Amica is supposed to be the number one in customer service. Well let me tell you they are not. I have had the worse experience with them. I have been recently divorced and Amica refuses to recognize it. In my divorce it says we are responsible for our own insurance. I called Amica and explained the divorce stating that I wanted to separate my insurance. It has been a NIGHTMARE. My ex-husband refused to answer the phone so Amica refused to take me out of the policy. What if he had been in an accident and killed someone? I would be liable for that. I am no longer married and yet they required me to pay for my ex-husband's insurance. They were rude, disrespectful, and downright cruel on the phone with me. I will never recommend Amica to anyone.
We don’t like to hear this, Alice, and we’d like to discuss your concerns with you. Please send an email to firstname.lastname@example.org with your preferred contact information and we’ll have a representative reach out to you directly. Thank you. –KD
We have been with Amica for over three decades. When we check the competition, we find no reason to change. When we filed a claim, all we did was phone them. They told us where it would be repaired. Since it was able to get there without a tow, we dropped it off. Amica had a rental car waiting. Then we were called when repair was complete. We never paid for any of this. And after our one big claim, we were not dropped. Our rates, and discounts, did not change. In addition, they are always patient when we want to discuss coverage and rates. They offer suggestions to save us $$, and clearly explain risks. Also they were never pushy or in a hurry. So we will probably never change!
Thank you for trusting us with your insurance needs for the past 30 years. We really appreciate your loyalty and your kind review. -KD
Although I've always been very satisfied with Amica and their customer service, their rates just seem to keep going up. I have Auto (4 cars), home and umbrella policy and have recently compared it to other companies and Amica was consistently $1300 more per year vs. 3 other comparable companies. No claims in several years (7+), clean auto record as well. I called to see what could be done and other than raising my deductibles, I was offered no other solution. Best they could say was that if there was an auto claim, original manufacturer parts would be used vs. non-OEM. While that is certainly a value, I can't say it's enough to keep me w/ Amica.
We saw your review, Donna, and have passed your comments along. We appreciate your loyalty over the years and hope to continue our relationship with you. If you’d like to discuss further, please call us at any time. -KD
We purchased a used vehicle from a private owner on February 26, 2018. We had contacted Amica in advance of the purchase to have insurance in place when I registered the vehicle on 2/26/18. The NC DMV never received the FS1 from Amica so they sent a letter in early April. I contacted Amica to have this resent. I received another letter in early May that the registration was suspended because the FS1 had not been received. I have followed up with Amica two times since then. Amica indicated the issue is with the automated system they use to provide the NC DMV with the FS1. On 5/9/18 I provided Amica with an alternate way of submitting the FS1 which I was told they would submit. The NC DMV has not received this FS1 as of 5/10/18. I find this ridiculous.
We don’t like to hear this, John, and we’d like to help. Could you please email us at email@example.com with your full name and contact information so we can have someone get in touch? Thank you. –KD
Accident occurred on April 14th. Appraisers initial report was $1800, which anyone with an eye could tell was a lowball. Front end damage with obvious shifting. Our car has been in the shop for a week now with repair estimates of over $7K (I just checked our account on Carwise.com). The car is maybe worth $9500 if someone was feeling generous. The technician and body shop manager stated that it has a bent rail (frame damage) and that they’d advised the appraiser/adjuster of true extent of the damage and new estimate a week ago.
After they notified the appraiser of the new estimate, they didn’t hear back from her for an additional three business days, and now she's ordered another inspection to be done today (bear in mind the revised estimate from last week was $6625) to “make sure that the car isn’t totaled” (the exact words from my claims manager) and is trying to push for the repair. So, we’ve gone from $1800, to $6625, and now $7100. Please explain to me how and why this makes sense to attempt repair at this point. On a subcompact car. That my teen son will be driving.
Other than the initial perfunctory letter acknowledging the claim, not once has Amica asked me if I need anything, how they can help, or shown genuine concern or empathy for our situation. When I’ve called or emailed with questions, I have received marginally polite, yet uninformative replies and circular explanations from my claims manager. The lack of customer care and advocacy is appalling. I called the WA State Insurance Commissioner office today, and the representative that I talked to was very informative and helpful. I have a feeling that I’ll be speaking with them again soon, to file a complaint.
We don’t like to hear this, Amy. We’d like to discuss your concerns with you directly. Could you please email us at firstname.lastname@example.org with your full name, claim file number and contact information so we can have someone get in touch? Thank you. –KD
Talk about taking forever to get a claim done when you're filing a claim against one of their insured. Different things told to me by different reps. And the adjuster looked at my car for no more than 2 minutes. I kept telling him how my hood shifted to one side now. He told me "oh don't let that fool you. It's just the way the front bumper is now from the impact." I tried to show him that, that's not what I see and then pointed out obvious damage. He ignored me. When I asked if he needed me to lift the hood he said "no there's nothing behind there anyway." Wow. I was actually looking for a different insurance carrier for home and auto and will definitely not be looking into Amica.
Hi Tiffany. We’d like to discuss your concerns with you directly. Could you please email us at email@example.com with your full name and contact information so we can have someone get in touch? Thank you. –KD
The first year, my rate went up $126 - and the second year (this year) I received a bill for $519 above that! That is over a 50% increase in just the first two years of having this insurance. I understand rate increases but this is ludicrous! I am looking at my options now. Unfortunately, they know they are one of the few insurers for older homes and are obviously taking advantage of that fact.
Hi Sumi. We’d like to discuss your concerns with you directly. Could you please email us at firstname.lastname@example.org with your full name and contact information so we can have someone get in touch? Thank you. –KD
We have been with Amica for over 40 years. We have our property and auto insurance with Amica. This week we received a bill with over $1,000 raise in premium in property insurance with no claims for years. Always been happy with Amica's customer service but we are seniors on a fixed income. This raise in our premium brings our property insurance to more than our taxes. We will probably have to find a new insurance co.
Hi Janet, we would like to discuss your concerns with you directly. Could you please email us at email@example.com with your full name and contact information so we can have someone get in touch? Thank you. –CB
My son was hit by a Amica insurer and they wanted to total out my son's car and give him 1300 dollars and 818 if he kept the car and wanted to make him get a salvaged title!! He has a 2004 Chevy Impala with new tires, new breaks, new rotors, new radio, new fuel pump, 2yr old transmission, new alternator. They claim I needed proof. When I say new I’m talking about less than 3 months old besides the transmission. If it wasn’t for my son's car being steel it would’ve been really bad and that’s exactly why he had a older car. Yes. We decided to keep the car and get it fix and we will be going after Amica for the repair damages!!! Worse company ever!!!
Hi Tamara, we would like to discuss this claim with you. Could you please email us at firstname.lastname@example.org with your full name and contact information as well as your son’s name and claim number so we can have someone reach out? Thank you. –CB
I have been with Amica for homeowners and auto insurance for several years, and, up until now, they were great. I've not had any claims filed with Amica since I've been with them and no changes in anything else. Just got my auto policy renewal for the coming year and my rates went up $300!!! The reason they gave me when I called was that "everyone is being affected by the rate increases." I understand small annual increases, but $300 for the year!!! Are they insane? This is completely unacceptable for a long-standing client with a clean record. I will be looking elsewhere for my homeowners and auto insurance. Buyer beware.
Hi Karen, we would like to discuss your concerns with you. Could you please email us at email@example.com with your full name and contact information so we can get in touch? Thank you. –KD
I am writing my review to express my disappointment in Amica Insurance in handling an insurance claim. The claim was reported about a month ago... just today I had to call to figure out what was going on with the claim... When I contact their representative, she was very moody and cutthroat and unable to provide solid facts on the claim. Didn’t offer to help and just seemed like she was ready to hang up on me. Some of the statements she made, made no sense whatsoever. Saying a police report will do nothing to help my claim!?!? For this company being in a customer service industry. The experience I had with their team members has been horrible. Just a PSA I’d like to extend to anybody looking for a new policy. Steer clear from these guys.
This is not the experience we want you to have, Eduardo. We’d like to discuss your concerns with you. Could you please email your contact information and claim number to firstname.lastname@example.org so we can reach out? Thank you. –KD
Beware if you have auto collision insurance. I have collision insurance. My vehicle was hit from behind on 3/22/18. I waited 6 days (3/28/18) for Amica's appraisal report before scheduling an appointment for an estimate from the auto body shop. I learned from Amica today, (3/26/18) that my car has not been covered by collision insurance since the date of the accident, 6 days ago, and will not be covered for collision insurance until the repairs are completed. Thus, If I was involved in a second accident during those 6 days, I would have had no collision insurance for that 2nd accident!
I asked Amica to tell me where in my policy that denial of coverage is stated. IT'S NOT THERE. The Amica customer service representative told me: "It's our guideline" and "it's our workflow". She would not give me a written statement regarding Amica's "guideline". Thus Amica has essentially changed the terms of my policy without my knowledge, without communication to me, and without written language of that policy change. I think that must be illegal. It certainly would not hold up in court if I were to sue Amica. I've been a customer for about 8+ years. Not anymore!
Hi J. We saw your review and would like to discuss your concerns with you directly. Could you please email your contact information and claim number to email@example.com so we can reach out? Thank you. –KD
Don't use Amica. They completely messed up my policy and tried to overcharge me for their mistakes. Their representative had me on the phone for an hour working on my policy, and I found out the next week that nothing he told me was true and my policy had been cancelled. Incompetent reps and inflated prices here! Steer clear!
We would like to look into this and discuss your concerns with you, Paula. Could you please email us at firstname.lastname@example.org with your full name and contact information so we can get in touch? Thank you. –CB
After multiple inquiries with customer support, and the resulting disappointing resolution, the following is what I'm compelled to post so to help others to not have the same experience! I've been with Amica for 4 months and it's been a nightmare. Every month my bill increases for incidentals that they forgot to tell me about when I signed up. At this rate my coverage will likely increase 50% in one year! (My monthly premium has increased from $189/mo to $215 in 4 months!). And God help me if I should have a claim. Strongly recommend you look elsewhere - I am!
Updated on 04/05/2018: Last month (3/5/18) I wrote about my dissatisfaction with Amica, and that they keep inching up my monthly policy payment. What started out as $189 and month soon became $210/month. This month Amica again managed to charge me an additional $2.82 more. (So I'll up my payment to $215 for next month - up from the original quoted $189/mo.) The $2.82 increase doesn't seem a lot, but over time it adds up. And it tells me it is Amica's strategy to attract customers with an lower policy payment, then slowly bleed them for more! It also makes me wonder about their integrity should a claim be necessary!
I have spoken with Amica on several occasions about my concerns and I have yet to see resolution. I asked Amica to provide a quote for the same coverage I had at USAA, upon which they claimed to have done for a monthly fee of $189. They then proceeded to charge me additional $17/mo. for a $1M umbrella which should have been include in the original quote as this was a part of my USAA package. Then there was an additional $10 for whatever, as well as $3 fee because I chose to send my payment from my checking account, for which I had no charge at USAA and never alerted to by Amica. Amica's approach makes customers nervous, as there appears to be no end to what Amica surprises are to come!
We saw your review and would like to discuss your concerns with you directly. Could you please email your contact information to email@example.com so we can reach out? Thank you. –KD
Amica Auto Insurance expert review by Matthew Brodsky
Amica Auto Insurance was founded in 1907 and is the oldest mutual insurer of automobiles in the United States. They scored an A++ rating from A.M. Best Company.
Wide coverage range: Amica offers a complete range of coverage options, from vehicle, passenger, liability and comprehensive packages.
Nationwide: Amica has 44 offices across the country, making them easy to contact and get support from.
Discounts: They offer a number of great discounts, including those for people with multiple cars, as well as loyalty discounts for customers who stay with them over time.
No new car loss depreciation deduction: They offer no deduction for depreciation when a new vehicle is declared a total loss within the first year of owning it.
Roadside assistance: Amica also offers towing and labor coverage on the roadside to help drivers deal with unexpected breakdowns. They will also reimburse you for calling a towing company.
Best for: Drivers with new cars and drivers with cars in poor condition.
Amica Auto Insurance Company Information
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- Amica Auto Insurance