Amica Auto Insurance: Coverage and Discounts
Headquartered in Lincoln, Rhode Island and established in 1907, Amica is the oldest mutual insurer of automobiles in the United States. Amica is known for its financial strength and customer service. Amica has a A+ Superior rating from AM Best Company. Its assets as of December 31, 2019 were $5.4 billion. Amica Property and Casualty Insurance Company is a wholly owned subsidiary of Amica Mutual Insurance Company that provides auto insurance in select states around the country. In addition to Amica Insurance Auto, the company offers home, marine, personal umbrella, liability and life insurance products.
Choosing the Right Coverage with Amica
Here is a look at the different types of car insurance coverage available with Amica.
Medical Payments. Known as MedPay, this insurance covers certain medical expenses for you and your passengers if you are in an accident.
Personal Injury Protection (PIP). This no-fault insurance coverage pays for medical expenses and lost wages if you or your passengers are injured in a car accident.
Bodily Injury Liability. This insurance pays for injuries to others when you’re responsible for an accident.
Property Damage. This type of insurance pays for damages you cause to someone else’s property. Property damage insurance covers damage to vehicles and damage to other kinds of property such as houses and mailboxes.
Uninsured and Underinsured Motorist Bodily Injury. This insurance pays for injury expenses if the driver who caused the accident doesn’t have enough insurance to cover your injury costs.
Uninsured and Underinsured Motorist Property Damage. This type of insurance pays for damage to your vehicle if the driver who caused the accident is uninsured or doesn’t have enough insurance to cover your damages.
Collision. This kind of insurance pays to repair or replace your car if it’s damaged in an accident with another vehicle or an object such as a tree, pothole or guardrail. Collision insurance covers accident-related repairs, towing due to an accident and vehicle replacement if your car is totaled. Remember that liability will not cover your bills if you’re at-fault in the accident; only collision will.
Comprehensive. This type of car insurance covers damage to your car that isn’t the result of collision with a vehicle or object. Comprehensive insurance covers fire, hail, hurricanes, fallen trees, natural disasters such as earthquakes and floods, theft and vandalism, towing due to an accident, accidents involving birds and animals and rocks kicked up by other cars.
Full Glass Coverage. This glass insurance covers repairs or replacement to the car’s windshield, windows and other auto glass without a deductible. With full glass coverage, small chips and cracks are covered as well as full glass replacement.
Roadside Assistance. Available 24 hours a day and seven days a week, roadside assistance covers towing, changing flat tires, jump-starting dead batteries, delivering gas if you run out, getting your car out of the mud or snow and unlocking car doors if you’ve locked yourself out.
Rental Car Reimbursement. This coverage pays for transportation costs if your car can’t be driven after an accident or if the car is in the shop for repairs. Rental car reimbursement covers rental cars and other transportation such as ridesharing and taxis, trains and buses.
Platinum Choice Auto. Amica Auto Insurance also offers a Platinum Choice Auto premium coverage package. Platinum Choice Auto includes glass repair or replacement without a deductible, a credit monitoring service and new car replacement coverage that replaces a totaled car with a new one. To qualify for new car replacement, your car must be under one-year-old and have fewer than 15,000 miles.
Platinum Choice Auto also includes prestige rental coverage with no daily limit and a $5,000 maximum that allows you to rent a car similar to the one you own after it’s been damaged in a covered accident.
You may add any of the individual coverages in Platinum Choice Auto to your auto insurance policy or you may buy the Platinum Choice Auto package as a whole.
Amica Auto Insurance Discounts
Amica Car Insurance offers a number of discounts for their auto insurance customers. Scooping up discounts will help to lower auto insurance premiums. Let’s take a look.
Be a Loyal Customer. If you’ve been an Amica Car Insurance customer for at least two years, you’re entitled to a discount and the longer your relationship with Amica Car Insurance the more you can save.
Be a Homeowner. Owning a home may entitle you to a discount with Amica even if the home is not insured by Amica.
Bundle Policies. Save as much as 30 percent when you combine an auto insurance policy with a home, condo, renters, life or umbrella policy.
Multi-Car Savings. Do you own more than one car? You can save up to 25 percent when you insure two or more cars with Amica Auto Insurance.
Young Driver Training. Amica Auto Insurance offers discounts for drivers under 21 who complete an accredited driver training program.
Good Student. Amica Auto Insurance offers a good student discount for full-time high school or college students, ages 15 to 25, with a “B” average or higher.
Student Away at School. You qualify for this discount if you have a full-time student included on your Amica auto policy who is away at school, without a car.
Parent Loyalty. If you are under 30 and your parents have had an auto policy with Amica for at least five years, you may qualify for a legacy discount.
Accident-Free. Get an auto insurance discount from Amica Auto Insurance when you’ve been claim-free for the past three years.
Defensive Driving Training. Take a driver safety course and earn a discount on your Amica Car Insurance.
Anti-Theft. Get a discount from Amica for keeping your car safe with anti-theft devices such as car alarms and GPS tracking systems.
Electronic Stability Control. Receive an insurance discount from Amica if your car is equipped with electronic stability control. Electronic stability control helps to maintain handling when driving on wet or icy roads.
Passive Restraints. Does your car have passive restraints, such as airbags? You may be eligible for a discount from Amica.
Forward-Collision Warning. If your car has a collision-avoidance feature that alerts you to potential accidents, you may qualify for a discount from Amica Car Insurance.
Adaptive Headlights. Got a car with headlights designed to make driving in low-light conditions safer? You may be able to save money on your Amica Auto Insurance policy.
Pay in Full. Get a discount when you pay the entire balance of your Amica Auto Insurance premium up front.
AutoPay. Make automated payments and save money on your Amica Car Insurance policy.
Paperless. Get an additional discount when you choose to go paperless with your AutoPay statements.
Get a Free Auto Insurance Quote Online Now.
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