Amica Auto Insurance Company of Arizona
Amica Mutual Insurance Company was established in 1907, which makes Amica the oldest automobile insurance agency in the United States.
Amica has received rave reviews from A.M. Best Company, who has continually given Amica its highest rating of A++.
J.D. Power and Associates said that Amica Insurance ranked “highest in customer satisfaction among national auto insurers eight years in a row.” Amica offers all-inclusive auto coverage with many options to customize your insurance plan.
What Kind Of Liability Coverage
Does Amica Offer Arizona residents?
At Amica, you can choose between combined single limit coverage and split limit coverage.
Combined single limit coverage will give you one single total amount of coverage for you to use as needed. It offers you flexibility in the event that you want to use the entire coverage amount for everything, including bodily injury and property damage.
Split limit coverage will split the coverage amount by assigning and distributing your protection between bodily injury and or property damage. As long as your coverage limits are sufficient, both options offer you good protection.
How Much Liability Coverage Is Sufficient?
According to Amica, $300,000 of coverage is enough. The combined single limit coverage will split this amount up in any combination between bodily injury and property damage. Split limit coverage will separate the greatest amount of coverage per person per accident for bodily injury and it will have a separate section for property damage. In general, a spilt limit plan is quoted in three numbers.
How Much Property Damage Liability
Is Adequate In A Split Limit Insurance Plan?
Property damage is represented by the third part of the split limit plan (the last number in the auto insurance quote). Damage to the other driver’s automobile is generally what is meant by property damage liability. Amica suggests carrying at least $100,000 because if you cause a multi-car accident, the average amount of $25,000 or $50,000 that most people carry, isn’t going to cover all the damages. A combined split limit policy will allow you to use the whole $300,000 for the property damage.
What Type Of Discounts Does
Amica Offer Arizona residents?
Several types of discounts are offered to Arizona residents to promote good driving behaviors and to repay faithful customers.
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A Multi-Line discount is given when you insure both your vehicle and home with Amica, and another discount may be available if you add Amica’s life insurance policy to it.
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A Multi-Car discount is given when you own and insure more than one car with Amica.
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Accident Prevention/Defensive Driver Class discounts are given to drivers who effectively finish classes that are intended to better your driving skills.
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A Good Student discount is offered to good student drivers.
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If your vehicle has built-in anti-theft devices, rates (other than collision) are reduced.
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If your vehicle is outfitted with a vehicle recovery system like On-Star, you may be eligible for reduced rates (except collision).
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If your vehicle comes with a vehicle tracking system like a global positioning system, you may be eligible for a discount.
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Vehicles equipped with factory installed airbags are eligible for discounts.
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If the vehicle is being used by a student who is over 100 miles away at school or college without a vehicle, you may be eligible for a lower rate.
What Are Some Unique Features
That Amica Offers Arizona residents?
For no extra costs, Amica policy holders will enjoy the following:
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No depreciation deduction when a new automobile is declared totaled within the first 180 days of ownership.
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No deductible for lock replacement if your lose your keys or they are stolen.
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No deductible for glass repair if replacement is not needed.
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No deductible for restoration or replacement if your air bags are deployed.
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Total compensation for lost earnings if Amica requires your attendance in court, and up to $1,000 for bail bonds.
What Kind Of Roadside Assistance Coverage
Does Amica Offer Arizona residents?
Amica’s Towing and Labor coverage comes with the added benefit of roadside assistance. One phone call to Amica’s toll free number will have help sent to you no matter where you are or what time it is. Repairs can even be made on the spot by Amica service professionals, or you can select a company of your choice and be refunded for any towing costs.
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