Comparing quotes is the best way to get your lowest rates from top insurers like Amica Mutual and American Family. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Amica Mutual and American Family are two big names when it comes to auto insurance. American Family was ranked the #6 auto insurer for 2016. It offers great extra coverage and reliable agents. But the lack of follow-up on claims and complaints hurt its scores. Amica is liked for its quick follow-up and claims process.
Amica’s customer service has received low satisfaction ratings. And the company is known to drop clients without notice. Still, its financial strength and J.D. Power ratings are superior to those of American Family.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Amica Mutual
|
American Family
|
| Worst If |
Amica Mutual
|
American Family
|
Amica Mutual
Legacy Discount.For drivers under 30 who have been with Amica under a family member’s insurance policy. Anti-Theft Devices Discount.This discount is given to customers who install anti-theft devices. For example, an alarm system, active or passive alarms, or vehicle recovery/tracking systems. Electronic Stability Control Discount.For cars with four-wheel electronic stability control system. Platinum Choice Auto.Another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can get multiple levels of security for your car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage. |
American Family
Teen Safe Driver ProgramAmerican Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers. Business Car InsuranceBusiness car insurance covers the car owner and his employees if/when his business is on the move. Classic Car InsuranceThis special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need. |
| Bundling Coverage Discounts | Amica Mutual | American Family |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Amica Mutual | American Family |
| 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 | Amica Mutual | American Family |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Amica Mutual | American Family |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Amica Mutual | American Family |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Amica Mutual | American Family |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Amica Mutual Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| 2016 | 29 | 33 |
| 2015 | 59 | 32 |
| 2014 | 66 | 18 |
| 2013 | 61 | 9 |
| Amica Mutual Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Above average |
| Policy Offerings | Above average | Above average |
| Pricing | Average | Above average |
| Local Agent | Average | Above average |
| Call Center Representative | Among the best | -- |
| Insurer Website | -- | -- |
| Amica Mutual Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | Average |
| First Notice of Loss | Among the best | Average |
| Service Interaction | Average | Above average |
| Appraisal | Among the best | Average |
| Repair Process | Average | Average |
| Rental Car Experience | Below average | Above average |
| Settlement | Among the best | Average |
| Amica Mutual Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A- |
| Moody's | -- | -- |
| S&P's | A | A |
|
Amica Mutual
Amica Mobile. This app helps you access the company’s website from your mobile device. Use it to make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile app here. |
American Family
My AmfamAmerican Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The My Amfam app is downloadable for iPhone or Android here. DreamVaultThis app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download the DreamVault app here. |
Amica Mutual
Amica Roadside AssistanceRoadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car. Roadside Services Covered
Contact Phone NumberCall 866-286-9968 to receive help on the road right away. |
American Family
American Family Emergency Roadside ServiceService's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out. Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront. Roadside Services covered
Contact Phone NumberCall 1 (800) MYAMFAM (1-800-692-6326) |