Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and The Hartford. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Amica Mutual and Hartford are two big names in the world of insurance. Amica Mutual was founded in 1907 and Hartford was founded in almost 100 years prior, in 1810. Hartford is well liked because it offers good deals for AARP members, while Amica is well liked because it has a straightforward claims process.
On the other hand, Amica has subpar customer service and Hartford doesn’t provide 24-hours customer service support. Still, both companies have a wide variety of discounts and excellent J.D. Power ratings.
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 |
Amica Mutual
|
The Hartford
|
| Worst If |
Amica Mutual
|
The Hartford
|
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. |
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
| Bundling Coverage Discounts | Amica Mutual | The Hartford |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Amica Mutual | The Hartford |
| 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 | The Hartford |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Amica Mutual | The Hartford |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Amica Mutual | The Hartford |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Amica Mutual | The Hartford |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Amica Mutual Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| 2016 | 29 | 30 |
| 2015 | 59 | 72 |
| 2014 | 66 | 69 |
| 2013 | 61 | 67 |
| Amica Mutual Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Among the best |
| Policy Offerings | Above average | Among the best |
| Pricing | Average | Among the best |
| Local Agent | Average | Average |
| Call Center Representative | Among the best | Average |
| Insurer Website | -- | Among the best |
| Amica Mutual Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | Above average |
| First Notice of Loss | Among the best | Above average |
| Service Interaction | Average | Below average |
| Appraisal | Among the best | Average |
| Repair Process | Average | Among the best |
| Rental Car Experience | Below average | Average |
| Settlement | Among the best | Above average |
| Amica Mutual Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | -- | A2 |
| 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. |
The Hartford
The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. Download the Hartford Smartphone app for iPhone or Android. |
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. |
The Hartford
The Hartford Towing and LaborTowing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car. The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have. Services Covered
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |