Is Amica Auto Insurance Good for New York Drivers?
Last Updated on October 3, 2021
Choosing the right car insurance company for your needs can be tricky. You’ll always want to make sure you are protected while you’re out on the road. As a New York resident, you’ll have so many different providers to choose from. One of these providers is Amica, a small regional insurer. Here’s what you need to know about Amica before you purchase a policy in New York.
About Amica Mutual Insurance Company
Amica Mutual is based in Rhode Island and has been in business since 1907. They are one of the oldest providers of car insurance in the United States. In addition to car insurance, Amica also offers a number of other policy types, including home insurance and life insurance. Although they are a relatively small company, they are licensed to provide insurance in every state except Hawaii.
|Amica Insurance Company Information|
|Address||100 Amica Way
Lincoln, RI 02865
Amica Car Insurance Coverage Types
Amica offers all of the standard types of car insurance coverage that you would expect as a New York driver. These include the liability coverage required by state law, as well as standard coverage types like collision, comprehensive, uninsured motorist, and personal injury protection. While these coverage types aren’t legally required in New York, they provide you with extra protection that can really come in handy in an emergency.
Amica also offers some unique perks with their standard coverage packages that you wouldn’t typically get from other insurance companies. These perks include free airbag replacements and free glass repair, as well as free lock replacement for lost or stolen keys. They also offer up to $1,000 in bail bonds and wage reimbursement if you are required to go to court as part of a claims resolution process.
They also offer a number of extra perks through their Platinum Choice Auto package. These include accident forgiveness, a diminishing deductible, extensive rental car coverage, and identity theft monitoring. Some of these perks are also available on their own in some cases. Customers can earn points through Amica’s Good Driving Rewards program, and you can use these points to lower or eliminate your deductible as well as earn accident forgiveness.
Amica Pricing and Discounts
Amica has relatively affordable pricing for its car insurance policies across the board. When compared to larger national insurance companies, their prices are consistently cheaper regardless of driver demographics. This is true even for people who have a history of accidents or are generally considered ‘risky’ to insure. Of course, the amount you pay will still depend on factors like your age, driving history, and the type of car you drive, among other things.
One area where Amica stands out is by providing affordable prices for young drivers. Younger drivers typically pay much higher prices for car insurance because they are inexperienced. Amica not only offers affordable pricing for these drivers but also offers discounts that help them. For example, Amica offers a legacy discount for families. Any driver under the age of 30 can save money on their own policy if their parents have had a policy for five years or more.
Amica has a long list of discounts available to drivers. These include discounts for being a safe driver, bundling policies, having safety features on your vehicle, and much more. When signing up for any car insurance policy, it’s important to ask about discounts to make sure you’re not missing out on any opportunity to save money.
Amica Financial Stability Ratings
It’s always important to make sure your car insurance company can pay out claims, regardless of the current economic climate. Amica currently has an A+ rating from AM Best, which indicates that they are very financially stable. AM Best is an organization that rates the current financial stability of insurance companies.
Amica Customer Service
One area where Amica really stands out from the competition is its customer service. While many car insurance providers get negative reviews for their customer service, Amica is consistently responsive and is able to process claims quickly. They also have fewer complaints than average for an insurance company of their size. They also have an A+ rating from the Better Business Bureau.
Amica also has an excellent website that provides plenty of information about its coverage. You can easily get a quote online and sign up through their website, although you can also do this over the phone. You can also pay your bill and view your insurance ID through their online portal. When you need to file a claim, you can do so online or by calling their 24/7 phone number. Amica also has a mobile app that allows you to track your claims and view other aspects of your insurance policy.
Advantages of Amica Car Insurance
Amica car insurance comes with plenty of advantages for New York drivers. The biggest advantage of using Amica for your car insurance is its affordable rates, especially for younger drivers. The cost of living in New York can be expensive, so these reasonable rates can be incredibly helpful for customers.
Amica also offers some unique perks with its insurance policies that you won’t often see at other companies. They also give customers the opportunity to earn diminishing deductibles and accident forgiveness with their history of good driving, so you can actually save money on your policy the longer you stay with them. Finally, Amica offers reliable customer service and a robust website where you can get a quote, pay your bills, and even file a claim. This makes it a great option for busy customers who prefer to manage their policies entirely online.
Disadvantages of Amica Car Insurance
Amica provides consistently strong car insurance coverage for New York drivers. The biggest disadvantage of using Amica car insurance is that they don’t offer quite as many coverage add-ons as other insurance companies. For example, they don’t currently offer rideshare coverage, something that is in very high demand in New York. If you need specialty coverage, Amica may not have the exact type of policy for you.
Overall, Amica Mutual is a very reliable car insurance company that has a lot to offer New York drivers. Their customer service and affordable prices make them a good option for many drivers. When shopping for car insurance policies, be sure to get quotes from several different companies before making a final decision. Since every company has its own formula for calculating pricing, you might be surprised by who can offer you the best value.