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Amica, an established insurer, offers auto insurance that can also be customized with discounts and add-ons not provided by other insurers. This provider is also among the most highly rated auto niche. It’s worth looking into for your auto insurance needs, it is also the best car insurance for young adults.
Knowing what type of car insurance you need and what you are required to purchase when shopping for car insurance is essential. Car insurance is required in most states to allow you to drive a car. While minimum coverage requirements may vary from one state to the next, most states require liability insurance and coverage for uninsured or underinsured drivers.
We will discuss everything you need to know about Amica and how to apply for Amica good student discounts.
What Is Amica
Before we get to know how to apply for Amica good student discount, Let’s know what Amica is all about, Amica is the oldest mutual auto insurance company in America, was founded in 1907.
Amica is the oldest provider of car insurance in the United States. It also has excellent financial ratings. AM Best has given the insurer an “A+” rating (Superior).
Amica provides all necessary auto insurance coverage, including liability protection and coverage for uninsured or underinsured motorists. Additional coverage options include collision coverage, comprehensive coverage, and gap coverage. Full glass coverage, roadside help, rental reimbursement, and accident forgiveness are available.
Amica also offers Platinum Choice Auto, a premium auto policy. This coverage option includes additional perks like glass repair or replacement without a deductible, credit monitoring, and new car replacement coverage. There is also premium rental car coverage that has no daily limit.
These perks aside, Amica’s premiums may be higher than those of competitors for car insurance.
Who Owns Amica Insurance
It is 100% owned by its policyholders. Although it is not the most prominent national insurer, Amica has a strong reputation for customer service. They have high satisfaction ratings with very few complaints and boast high satisfaction ratings.
Pros and Cons of Amica
Before we get to know how to apply for Amica good student discount, Let’s know the Pros and Cons of Amica
Pros
- Excellent customer service ratings: J.D. Power’s 2021 U.S. Auto Insurance Study awarded Amica the top ranking in New England.
- Live chat: Customers can reach Amica via live chat for assistance or questions. To use this feature, you must log in to your Amica account.
- Multiple discounts: Amica has a wide range of discounts on its car insurance products. These discounts include loyalty, student discounts, savings for excellent driving records, and many more.
- Premium coverage: Amica has a Platinum Choice Auto option that provides credit monitoring, new car replacement coverage, and rental car coverage with no daily limits. There is also glass repair and replacement without a deductible.
Cons Explained
- No rideshare coverage: Amica doesn’t currently offer rideshare insurance. This is an essential consideration for those who plan to make extra money driving for Uber and Lyft.
- No local offices, no agent experience: Amica doesn’t use agents to sell their insurance products. Its physical offices are also limited.
- Discounts are not available in every state: Amica’s terms and conditions state that “discounts may not be available in all States and may vary.”
Account Management
Before we get to know how to apply for Amica good student discount, Let’s understand the account management of Amica, Amica does not sell insurance products through an agent network. This is why it created seamless online services for customers. Customers can access the Amica online portal and the Amica mobile application to view their policies, make claims, pay premiums, and more.
Customers can use the online chat to contact customer service or change their policies. This is a significant advantage when compared to other insurance companies.
Amica Auto Insurance Coverage
Before we get to know how to apply for Amica good student discount, Let’s understand the Amica auto insurance coverage, Knowing what type of car insurance you need and what you are required to purchase when you shop for car insurance is essential. Car insurance is required in most states to allow you to drive a car. While minimum coverage requirements may vary from one state to the next, most states require liability insurance and coverage for uninsured motorists.
Full coverage insurance is a good option if you need additional protection. Full coverage doesn’t refer to a particular policy type. It’s a combination insurance that includes comprehensive, liability, and collision ranges.
Below are the most popular types of car insurance coverage.
|
Coverage type |
What it pays for |
Required? |
|---|---|---|
|
Uninsured or underinsured motorist coverage |
Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all. |
Often required. |
|
Collision coverage |
Repair expenses from traffic-related accidents, regardless of who’s at fault. |
A car loan or lease may require it. |
|
Bodily injury and property damage liability |
Costs for injuries, deaths or property damage from an accident you caused. |
Typically required. |
|
Comprehensive coverage |
Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism. |
A car loan or lease may require it. |
This car insurance for teens or older people provides the standard auto insurance coverage. You can upgrade to Platinum Choice Auto for an additional cost. This package includes several coverage options, including replacement coverage. Each state has its details. Without purchasing the Platinum Choice Auto package, you can add the following coverage types to the policy:
Accident forgiveness. Points can be earned for driving well, being a good customer, and adding policies to your existing policy. The points can be used to get accident forgiveness. This prevents you from increasing your price if you are involved in an accident.
- Your deductible can be removed.
- Identity fraud monitoring: This program monitors your credit file and gives you access to a fraud specialist in case your identity has been stolen.
- Complete glass coverage: No deductible is required for glass replacement or repairs.
- If your car is damaged or inoperable, you can get up to $5,000 for a similar vehicle’s rental.
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Amica Car Insurance Discounts
Before we get to know how to apply for Amica good student discount, Let’s talk about Amica Car Insurance Discounts, Amica offers customers a variety of discounts that could help them save money on their auto insurance premiums. Below are some potential deals that you may be eligible for.
Policy Discounts
- No Claim Discount: You could qualify for a discount if your insurance has not been used for at least three years.
- Loyalty Discount If Amica has been your auto insurance for at least 2 years, you may be eligible for a discount. Amica increases your insurance premiums the longer you have been insured.
- Legacy Discount Customers under 30 years old may be eligible for a discount if Amica’s auto insurance has covered them for at least five consecutive years.
- Homeownership Discount You can also get a discount for being a homeowner even if Amica doesn’t protect you.
- Multiple Policy Discount – Amica customers can save up to 30% when they bundle auto insurance with other policies such as umbrella and life, home, condo, or more.
- Multi-Vehicle Discount: Additional 25% off for multiple vehicles that Amica insures
Vehicle Discounts
- Anti-Theft Discount You can save by adding an approved anti-theft device to your vehicle.
- Passive restraint discount: Vehicles with automatic occupant restraints such as airbags are eligible for a reduction.
- Discount on Adaptive Headlights: Customers may receive discounts when purchasing headlights designed explicitly for a night and low-light driving.
- Forward Collision Warning Discount: Customers get a deal if they have a collision-warning system.
- Electronic stability discount: Those with an electronic stability control system installed may be eligible for a second discount.
Driver Discounts
- Defensive Driving Course Discount: Adult Drivers who have completed an approved driver training program may be eligible for a discount.
- Discount for Good Students: Full-time students between 15 and 25 may be eligible to receive a discount for maintaining an A average.
- Driver Training Discount: Younger drivers may receive a discount after completing an approved training course.
- School Away Discount Your child could be eligible for a discount if they are enrolled full-time in school without having access to their car.
Payment Discounts
- Autopay Discount – Customers who have set up autopay to pay their premiums receive a discount.
- Paperless Discount – Customers can receive their bills and other information electronically to get a discount
- Paid in-Full Discount – Amica gives value to customers who have paid their premium by the due date of the first bill.
To get free Amica car insurance quotes, Click Here
How To Create An Account With Amica
Before we get to know how to apply for Amica good student discount, Let’s make sure we know how to create an account with Amica, how Always have your account or policy number handy. This information can be found on your billing statement, policy declarations, and auto ID card.
1. Account Setup
-
- Account setup chooses to create an online account or visit the login webpage.
- To verify your identity, enter your personal information, including your account or policy number.
2. Login Information
- Use your primary email address to create a login ID.
- This step is not necessary if your primary email address already exists.
3. Confirmation
- An email will be sent directly to your primary email address. The online account must be authenticated within one day of receiving this email.
4. Create Password
- The password must be between 8 and 72 characters. It should include at least one number, as well as both an uppercase letter and lowercase letter.
- Your first and last names or any part of your login ID cannot be used as a password.
How To Apply For Amica Good Student Discount
Follow this steps to know how to apply for an Amica good student discount
Eligibility
Offers to college-educated full-time students in good standing and college graduates between the ages of 15-25.
Payment Options
After we have known how to apply for an Amica good student discount, let’s talk about Amica payment option. Amica says you have many options for paying your auto insurance bill.
- Online payment via your online account
- Register for auto-pay
- Mail-in payment
- Paying by phone
Amica customers can pay by check, money order, or transfer from a bank account. Amica accepts Visa Mastercard, Discover, and American Express for customer payments.
Complaints and Customer Satisfaction
After we have known how to apply for an Amica good student discount, let’s discuss complaints and customer satisfaction. According to data from the National Association of Insurance Commissioners covering three years, Amica had less than expected complaints about auto insurance to state regulators relative to its size.
|
2021 J.D. Power study |
Amica ranking |
|---|---|
|
Auto insurance claims satisfaction |
No. 4 out of 18 companies. |
|
Auto insurance shopping |
No. 2 out of 12 companies. |
Customer Service
After we have known how to apply for an Amica good student discount, let’s talk about Amica excellent customer care. Amica sells direct to customers online, but it offers a variety of customer service options.
Claims support is available seven days a semaine, 24 hours a year. Live chat is open Monday through Friday, 8 a.m. – 6 p.m. ET, Saturday 10 a.m. – 5:30 p.m. ET. There are different hours for the support and sales live chats. You can also contact them via their website, mobile app, online account access, and mail.
Amica’s mobile application gives customers access to many features and services. Customers can access the mobile app on Android and iOS to track and make claims, view policy information, pay bills, and much more. Amica’s mobile application also allows you to access a copy of your insurance card.
Strong third-party reviews also give the Amica app high marks, It is also the best auto insurance for young drivers. So is is amica a good car insurance? Absolutely Yes!!!
NB Ready to Save Money on Your Auto Policy Call Amica number Today at 800-242-6422
