What discounts does Amica offer?

The average cost of Amica auto insurance is $249.08/mo, but you can save up to 25% by asking about hidden discounts for students, families, and homeownership.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 18, 2021

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Things to remember...

  • With over 1.5 million policies, Amica is one of the largest auto insurance providers in the United States
  • The company offers several auto insurance discounts for qualifying drivers in a bid to help them reduce their auto insurance rates
  • Some of the available discounts include lower rates for bundling your policies and the loyal customer discount among others
  • With Amica, you won’t be able to enjoy the safe driver discount unless you have the Amica Platinum Choice Coverage added to your policy

Millions of US citizens are yet to find a firm financial footing, eight years since the end of the Great Recession. According to a 2015 report by the Federal Reserve Bank, 76 million people — that’s 31 percent of the entire adult population — are struggling to make ends meet. That means people are struggling with their bills, including their monthly auto insurance payments.

Your auto insurance policy protects you from loss after an accident. But in return, you are supposed to pay a premium. Sometimes the premiums are so expensive that some people can barely keep up.

High auto insurance rates are the reasons why Amica and other auto insurance providers across the country offer discounts to lower these costs and encourage good behavior on the roads.

Taking advantage of available discounts can lower your auto insurance rates significantly. However, keep in mind that comparison shopping is the best way to keep your rates down.

Comparing quotes from multiple providers increases your chances of obtaining coverage that best suits your auto insurance needs vis-à-vis discounts, rates, coverage, etc.

Auto Insurance Discounts Offered At Amica

With over 1.5 million policies, Amica is one of the largest auto insurance providers in the United States. Amica’s discount system isn’t the best in the industry, but the company does offer some interesting discounts that might be appealing to many.

Here are the discounts you might want to take advantage of if you are planning to purchase an auto insurance policy from Amica.

– Safety Discounts

Amica offers lower rates for drivers who install anti-theft features in their vehicles.

Some of these features include a vehicle tracking system, vehicle recovery system, passive alarm that automatically sets itself when the vehicle is turned off, an active alarm that cuts off the starting system, ignition, and fuel as well as an alarm system that has a loud horn or a siren.

Other features such as an electronic stability control and air bags can also lead to lower rates. Some of these features are factory installed.

Note that anti-theft features don’t lower your collision coverage rates. If you feel like you are not getting the discounts you deserve, you can always switch to another provider. Shop around. Compare quotes from various providers until you find coverage that meets your needs.

– Student Discounts

Insuring a teen driver can be expensive. Amica offers discounts for teenage drivers in high school and college who attain good grades and are safe drivers. Amica also offers the ‘student away at school’ discounts for parents whose children are in school or 100 miles away from home.

– Defensive Driver Discount

The more the skills you have as a driver, the lower your chances of getting involved in an accident. Getting a defensive driving course improves your skills behind the wheel, and with Amica, it might qualify you for lower rates. In some states, Amica’s defensive driver discounts are limited to mature drivers.


– Multi-Car Discounts

If you have more than one car in your household, you can insure them with Amica and get a discount. The multi-car discount available to customers who own more than one vehicle and insure all of them with Amica.

The company makes it less expensive for drivers to obtain the coverage they need if they bundle up all the vehicles under one special package.

– Multi-Line Discounts

With Amica, the more policies you have, the lower your rates will be. Though the company started as a car insurance company, it has diversified its insurance products to cover other areas such as homeowners/condo/renters and life insurance.

You can choose to bundle either your home and auto policies or life and auto policies. Any combination of policies you have with Amica will earn you lower rates via the multi-line discount.

– Homeownership Discount

If you own a homeowners’ policy with Amica, you will get lower rates on your car insurance. So, if you have a house or a condo insured with Amica, you can purchase coverage for your auto with the company and enjoy the homeownership discount.

Check with your agent just to be sure on how to proceed.

– Auto Pay Discount

Many drivers choose to set up automatic payment methods with their car insurance companies to make sure they have their payments on time and avoid lapses in coverage. With this type of payment, premiums are deducted from savings or checking account every month.

Amica insurance offers their customers a discount for using the automatic payment method.

– Paid-In-Full Discount

Amica insurance offers discounts to customers who pay their premium in full rather than paying in monthly installments. You get to enjoy up to a ten percent discount just for making the entire payment upfront. You also get to receive a discount if you sign up for an e-policy or an e-bill.

– Legacy, Tenure, and Loyalty Discounts

If you are under the age of 30 and have been under your family member’s auto insurance policy, you qualify for a legacy discount when you finally decide to purchase your own policy.

You may be eligible for lower rates if you have been with your insurance company for several years and then switch to Amica.

This type of discount is referred to as the tenure discount. Amica recognizes and rewards long-time customers via the loyalty discount.

Amica offers good driver discount to their customers via the Platinum Choice Auto Coverage. You can have the Platinum Choice Auto Plan added to your policy at any time. Without this particular coverage, you won’t be able to enjoy the good driver discounts offered by Amica.

To find the best discounts, compare quotes from as many providers as you can to get the best auto insurance discounts.

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