Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and Amica Mutual. QuoteWizard is an independent company that helps you find your right policy at your best rate.
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 |
Esurance
|
Amica Mutual
|
| Worst If |
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 DiscountThis 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 DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer. Emergency Road Assistance DiscountYou can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium. Pac-12 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
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. |
| 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 |
| Esurance Auto Insurance | Amica Mutual Auto Insurance | |
|---|---|---|
| 2016 | 48 | 29 |
| 2015 | 67 | 59 |
| 2014 | 47 | 66 |
| 2013 | 43 | 61 |
| Esurance Auto Insurance | Amica Mutual Auto 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 | -- |
| Esurance Auto Insurance | Amica Mutual Auto 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 |
| Esurance Auto Insurance | Amica Mutual Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A++ |
| Moody's | -- | -- |
| S&P's | -- | A |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also 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 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. |