AMICA - Auto

Pros:

Cheap rates

Friendly Under Writting Staff

Cons:

Claims Department is a nightmare

Adjustes need to work on professionalism

I was hit in early july by an under insured motorist--not even to mention the driver didnt even own the car and had a permantly revoked lincense. I reported the accident to Amica and finally 3 days later my lovely ( sarcasm) adjuster calls and ...

Pros: No claims filed, so no feedback warranted.
Cons: Customer service was inept, and even downright rude when trying to cancel policy.

I have never been in an accident, no claims, tickets, nothing in my 27 years of driving...my premium last year was comparable with 2 other companies, which where increasing their rates annually despite my crystal clear record. Of course, my new amica ...

Pros: highly recommended by many
Cons: being denied for having a clean record.

I recently looked up from a search engine to see who has the best recommendation from the consumers for auto insurance. Amica came up on top. So I decided to get a quote from their website and was very happy with the quote and took the time to call in ...

Pros: supposedly claims go quickly through them (wouldn't know)
Cons: incompetent agents, expensive

But in Georgia, they aren't the best. I would know I had insurance with them for one year.

First off, they put my payment to someone else's account. Mistakes happen, but it shouldn't have taken 2 months to resolve the problem.

Secondly, they couldn't offer any discounts for my being a great driver who's driven 10 years without filing any claims, including the one year that I was with them.

And worse, I was going to renew but the agent I spoke with was so absolutely incompetent that she was confused about the different aspects of auto insurance and even made me confused and felt like I was being ripped off.

I went to Progressive and paid $350 less per year.

Pros: Easy to reach an agent.
Cons: Expensive. They seem to deceptively increase premiums and don't seem to value their customers.

I have had Amica for over a year and must say that I am disappointed with the service that I have received. I had heard so many reviews about them prior to switching insurance coverage so I decided to go with them. I feel like they are trying to rip me off any chance they get. My premiums keep going up even though I have filed no claims and have had a perfect driving record for the past ten years. One of the rate increases was over $150 for moving less than 5 miles away in a good neighborhood. I think they are too expensive for what I am getting from them. When I have called them before the agent I spoke to didn't seem to care if I stayed with their company or not. Seems like they don't value their customers.

Pros: Price Customer service
Cons: Strict underwriting guidelines for homeowners

We bought auto insurance from Amica because the rates were affordable, but primarily because of the discount for carrying homeowners and auto insurance with the same carrier.

We were generally satisfied with the auto insurance, and I really can't write much about it further. We never had any claims, etc.

You may want to read my review of Amica's home insurance service.

Pros: Paid them 20,000 over a 10 year period. Never made a claim!
Cons: Paid them 20,000 over a 10 year period. Never made a claim!

I was a Amica policyholder for 10 years without a claim (Auto & Homeowners), and my auto rates were raised for late payments. The late payments occured over three years (one late payment each year) one was three days late, second was due to the Anthrax attack at my local PO (Trenton, NJ) and the third was 4 days late. I called and asked them to reconsider due to me being such a good customer. I was refused by a CSR, Manager and General Manager. I now have a new insurance company with better rates. Buyer beware!!!

Pros: Very unpleasant customer service.
Cons: Very disrespectful to customers.

The customer service representative I dealt with referred to inexperienced drivers who had prior traffic accident records as "bad apples"! Very disrespectful to the customers.

Pros: Price, Customer Service
Cons: None that I've come across

I've had Amica for both my car and house for about 3.5 years now. I found Amica on the Texas Department of Insurance web site. I'd never heard of them before that time. When I switched to Amica my car insurance was with Allstate. I had a new house built and Allstate would not insure my house (I didn't meet their credit worthiness even thought I could have a house built) so I started looking around.

I ended up with Amica who was HANDS DOWN the least expensive car insurance in the state. Over the past 3 years I've comparison shopped from time to time and Amica is still usually 400 - 500 less a year for identical coverages.

I'm also a notorious car shopper being on my 5th car in 5 years. Amica customer service is WONDERFUL about giving my rates on potential vehicles and handling the switches.

I've only good things to say about Amica.

Pros: None
Cons: Don't value their customers business

I was a Amica policyholder for 10 years without a claim (Auto & Homeowners), and my auto rates were raised for late payments. The late payments occurred over three years (one late payment each year) one was three days late, second was due to the Anthrax attack at my local PO (Trenton, NJ) and the third was 4 days late. I called and asked them to reconsider due to me being such a good customer. I was refused by a CSR, Manager and General Manager. I now have a new insurance company with better rates. Buyer beware!!!

Pros: The best service for the best price
Cons: nothing-tbd

I was a loyal 20 year client of Allstate. Then I moved to the Great West and was shocked when Allstate raised my rates about $1200 per year. Wow! Anyway- I checked with Amica and they are now saving me about $650 per year from what Allstate quoted. Fortunately, I can’t say much about their claims- but from everything I read they are the best. Plus they gave me a discount for my Lo Jack unlike Allstate who doesn't seem to care if my truck would be recovered. I could never understand how a quick recovery of the insured vehicle does not benefit them- Oh well. I guess I will now give Amica my homeowners. They seem to appreciate my business more.

Pros: great if you don't file a claim
Cons: Awful customer service, will hike up your rates for no reason.

I don't know how Amica got rated #1 in customer service by J.D. Power and Associates. Yes, they appear to be great until you file a claim with them. I've had auto and home insurance for over 7 years and never filed one claim. I got into an accident and my car was totaled out. It's been a month and they still haven't settled the claim! They don't care if you do not have a car to drive. They ignore your phone calls and give you the run around. Customer service is terrible, stay away!

Pros: Very fast and responsive thru emails,
Cons: Less phone support

I am in MA and I have had Amica Auto for last 8 months. They have been very responsive and cooperative but only through emails.
Another good thing was they considered my international driving experience while quoting the price.

Could never talk to anyone over the phone but once I found an agent she was pretty good in replying.
I had an accident and my car was totalled. They were pretty fast in sending me the cheque. I had 97 camry with about 127000 miles on it. I got about $5700 for it based in KBB value which I thought was amazing.

I have to wait and see how they do with my rates next year because of the accident and all....

Goods----Did not haggle much over price of the totalled car

Bads----During the accident for a couple of days no one from the insurance company explained the steps to follow after the accident even though I reported accident within hours of happening.

Pros: Excellent customer service. Professional, caring, customer oriented organization.
Cons: NONE!!!!!

I am not one to write raving reviews, I'm rarely ever pleased with a company much less their customer service.

Amica however is the exception to my negative outlook. I have unfortunately had to file several claims with them over the last 20 years and not once...NEVER have I had anything but excellent service from start to finish.

Amica has also gone to bat for me on several occasions when I felt I was being unfairly treated by another insurance carrier who insured a driver that was responsible for causing damage to my car and once, my home.

They have far exceeded my expectations. My one complaint with AMICA is I can't complain about them.

Pros: Cheaper than most auto insurance companies serving NYC.
Cons: Poor customer service.

Couldn't even sign up for a policy - customer service reps don't give you the full details about the policy. They seem a little shady about who they are willing to give their policies to. Give you SOME details at first but then change their story later. They also do not return your messages (experienced this w/ 2 reps). Some of the reps are rude. Right before I was ready to sign up for a policy, they tell me that I need a DRIVEWAY and the car cannot be taken out on a loan or else I can't get a policy - major details the first rep seems to have skipped the first time I discussed signing up w/ them! Now all of a sudden I HAVE to HAVE driveway??? Right, so all of AMICA's customer's in NEW YORK CITY have driveways??? (Sigh) This experience was a prelude to what it must be like to actually file a claim w/ them once you ARE a customer. Don't even bother! Just bite the bullet and sign up w/ GEICO like I did - they are EXPENSIVE but RELIABLE!