Pros: Helpful on the phone. A selective insurer.
Cons: High cost, depending on location. You may be disappointed with their claims service.
Amica is a high-end "white glove" auto insurer. They are choosy. Apparently, they turn down a lot of folks.
One friend even told me that he couldn't get Amica because he doesn't park his car in a garage, but on the street.
No doubt about it. They are very helpful and courteous on the phone. You get right through with your questions.
However, you pay a lot for all this service. Their rates are more than double the low-end insurers in my state. They are even a third more than Allstate. In fact, they cost more than State Farm , GEICO, Progressive, American Family -- you get the idea.
You can get an annual dividend, reducing your cost. However, the dividend does not make this insurance price competitive with other companies -- at least in my state. (Apparently, they are more competitive in California, comparable to many other insurers.)
Call or visit the website for your state insurance department. My state has a real eye-opening document, listing costs for hypothetical drivers, as well as the complaint rates in our state.
Here I discovered there are 31 less expensive auto insurance companies that provide coverage where I live. Wow!
Their claims service has not been horrific with me, but it's not good either: Ten years ago, I had an accident and they would not repair my odometer. It worked the day before the accident, but now it didn't. The cause? The accident! I had to pay to get it fixed myself.
Then too, I disagreed with their contract claims adjuster about a more serious issue. My car at the time was old, so the adjuster claimed my odometer was 100,000 miles too low! Yes, a nice round 100K.
Finally, the adjuster relented. (This, of course, is difference between repairing a car and totalling it.)