For Those Who Have Amica Insurance

Discussion in 'Budget Board' started by SandyinMonterey, Jan 11, 2017.

  1. SandyinMonterey

    SandyinMonterey DIS Veteran

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    Just wondering if you are happy/pleased with them. After 34 years of being with the same insurance company, I think I'm ready for a change. It's a little scary for me though because I've been with one company for so long. Worried that they'll get me with a low rate and then next year sock it to me. Then the other side of me says they're all the same and it's a crap shoot.
    TIA
     
  2. chabs

    chabs DIS Veteran

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    I had Amica from the time I learned how to drive at 17 until it was time for my son to get his license. My mother had me brainwashed saying how great they were and you wouldn't want to switch to a "bad" insurance company, that Amica was well worth the high premiums. Amica wanted an astronomical amount to add him to our policy so I decided to look around. Switched to Geico and never looked back. Been in a couple of accidents (not my fault) and was very happy with their service. I pay about a third of the cost with 2 kids on my insurance now than what Amica wanted to add one. Wished I switched years ago, it would have saved me a ton of money.
     
  3. cmarsh31

    cmarsh31 DIS Veteran

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    Similar here. Was with them since I started driving. DH had one non-moving accident, they put a "surcharge" AND jacked up our insurance. I was dumb. By the time I realized what was going on, they had charged us THREE times the cost of the repair! When I called... she said, yeah, sometimes it doesn't make sense to use your insurance to fix your car (it was well over $1000 of damage, so it wasn't really a small amount). I asked simply for the last year of the "surcharge" to be dropped since even she agreed they were totally screwing us. Nope. Nothing. I switched (pulled everything - homeowners, etc) and am paying half as much, with accident forgiveness now. It was scary... but I like our new bill much better!
     
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  5. SandyinMonterey

    SandyinMonterey DIS Veteran

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  6. SandyinMonterey

    SandyinMonterey DIS Veteran

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    Thank your for the feedback. It's sounding like this is not the way to go. I'm just fed up with my current insurance company. We have auto, home, and several other policies with them and 34 years NEVER made a claim. Moved to a new state and made our first claim after finding out the tub and master bathroom shower leaked. Was denied! Told not covered due to poor workmanship. The man who came to the house at the time kept asking if it was plumbing and I kept saying no because we had several plumbers out. He said wouldn't been covered for that if it was plumbing. I'm thinking of going to an insurance broker.
     
  7. amcnj

    amcnj DIS Veteran

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    I have had them most years since I started driving and have had no issues with them. Any claims were resolved to my satisfaction, I was able to use a repair facility of my choosing, and experienced no haggling or nickel and diming. But they can be more expensive than other companies. To keep them honest I check prices every few years by applying to another highly regarded company in my state that is known to be less expensive. Most times I have checked they are both very close in price. There were one or two period years over the decades when Amica was getting a little high and I switched to this other company for a few years, then when things evened out again went back to Amica. I would recommend getting price quotes from several places. Keep in mind that some places also give dividends, so inquire about them, and compare prices after adjusting for any dividends. When I first started purchasing insurance Amica offered a dividend on all lines of insurance in my state. Then they eventually stopped the dividend on auto insurance here, but still offer it in some other states, and I still get it on my homeowners insurance. I forget if it was 20 or 25% of the premiums this past year.

    My son recently left my policy when relocating out of state. He is a young driver still and checked Amica and Geico. Even after the dividend (Amica still pays an auto dividend in his new state) said Geico was $200 less. So he opted to go with Geico, and I told him to just keep an eye on rates and get quotes from others periodically to make sure Geico isn't doing the rate creep thing over time.
     
  8. hsmamato2

    hsmamato2 <font color=magenta>Tink in Training-Good Girl,Bad

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    IDK... it seems like the only 'reward' for staying with one insurance company is constantly higher rates.... Like 8 years back we had Liberty Mutual for cars,Amica for house. Then Lib. Mut. skyrocketed for no reason,and we switched over to Geico for cars (so much cheaper) meanwhile Amica for house was creeping upwards yearly.... (15 years!) for no reason on our part. Just switched it all back to...Liberty Mutual! As I found an agent that got me the best discount on house and cars over both my current companies! Go Figure! It makes me suspect that the lower rates are a result of changing companies!
     
  9. Anthony1971

    Anthony1971 DIS Veteran

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    First and especially when you move to a new state you should shop around for insurance not just pick one but multiple... yes time consuming.. I start would be seeing who your neighbors use and who they had experience with in that area. As far as insurance covering a leaking tub and shower... you can appeal the answer BUT insurance companies in general cover damage from a problem not defective products or poor workmanship. There are some exceptions like if you can prove you had the tub installed last year and it is an issue as your insurance company will sue the installer. However you may want to check your contract from when you bought the house as in general plumbing is covered for one year especially a pre existing problem unless this was changed in your contract.
    On a side note I can not understand why both a tub and shower stall will leak unless it is the plumbing in the wall. A few things to check as it may just be one? the chalking around the tub against the walls and floors same in shower stall. See if the sheetrock behind the tile on the wall is soft (press on the tile but be warned it can fall off if this is the case) as then water is getting behind it and the builder may have used regular sheet rock and not at least green board ideally cement board.... Lastly because you had one plumber out who may or may not be a good plumber and did not take the time to solve the issue do not think another may not solve it.. (ask neighbors for who the use for a plumber) You may also consider it time to redo the bathroom yes can be expensive but in the end it should solve your problems without spending $$ to fix the issue and have the same bathroom or at least just have the tub and shower stall redone.
     
  10. SandyinMonterey

    SandyinMonterey DIS Veteran

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  11. schrammalot

    schrammalot Mouseketeer

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    I love them for our renters. The only time we needed them, they made the whole process simple and cut us our check within the week. Car insurance was also good: they went to bat for me when the postal service refused to respond to my messages (never get rear ended by a USPS truck). Expensive as anything, though.
     
  12. mmfox316

    mmfox316 Mouseketeer

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    I have had them for over 25 years. Very happy.
     
  13. SandyinMonterey

    SandyinMonterey DIS Veteran

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    So....I received an advertisement from Amica in the mail. Thought it may be a sign so I called to get my "free quote." Amica was way over what I now pay for auto insurance and that was minus one vehicle (he couldn't give me a the quote with all the cars).
     
  14. Golf4food

    Golf4food Male pirate last time I checked. Yep. Still male.

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    Have had Amica for 5-7 years now I guess? Only one claim, not our fault, paid quickly and subrogated the at-fault driver's insurance. Cheaper than we can get with an employee discount from our major insurer employer. I like the 10 payments per year option - no payments in December and January is nice. Amica is the highest rated insurer that most people can utilize - only USAA is rated more highly, but they are military and have a bit of an unfair advantage. If you want cheap, go with Geico or someone, but be willing to accept getting what you pay for.
     
  15. chabs

    chabs DIS Veteran

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    It's ridiculous to say you get what you pay for-that is Amica's way to try to justify their high prices to their consumers and to scare people into staying with them. I've had both Amica and Geico and there was no difference in the level of service. In fact, I actually like Geico better. Never had an issue with either, Geico just offers me more service at a cheaper price. You are still paying the same overall cost per year whether the company breaks it up into 10 or 12 payments so that would not be a deciding factor for me.
     

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