Compare Esurance vs. Amica Mutual Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates
Esurance and Amica Mutual are both well-known companies in the world of insurance. Esurance was founded in 1999, and Amica was founded almost a century earlier, in 1907. Both companies offer a wide selection of auto discounts, but have their respective strengths and weaknesses. While Esurance has an extensive online platform that makes buying auto insurance incredibly easy, its roadside assistance is quite subpar. On the flip side, Amica has a straightforward and smooth claims process, but has low customer service ratings. However, Amica’s J.D. Power ratings in a 2015 claims satisfaction study placed the company among the best, once again highlighting how great its claims process is. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Esurance Amica Mutual
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Amica Mutual
  • You want a straightforward claims process
Worst If Esurance
  • You want excellent roadside assistance
Amica Mutual
  • You’re relying on impeccable customer service

Special Car Insurance Discounts

Esurance Amica Mutual
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance Amica Mutual
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance Amica Mutual
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Esurance Amica Mutual
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance Amica Mutual
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance Amica Mutual
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance Amica Mutual
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance Amica Mutual Insurance
2016 48 29
2015 67 59
2014 47 66
2013 43 61

U.S. Auto Insurance Shopping Study (2016)

Esurance Amica Mutual Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Average
Local Agent Average Average
Call Center Representative -- Among the best
Insurer Website Among the best --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Esurance Amica Mutual Insurance
Overall Satisfaction Below average Among the best
First Notice of Loss Below average Among the best
Service Interaction Below average Average
Appraisal Below average Among the best
Repair Process Below average Average
Rental Car Experience Below average Below average
Settlement Below average Among the best

Financial Strength Ratings

Esurance Amica Mutual Insurance
A.M. Best A+ A++
Moody's -- --
S&P's -- A

Mobile Apps

Esurance Amica Mutual
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here

Roadside Assistance

Esurance Amica Mutual
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly.