Two car insurance companies that can give you good rates on auto policies are Amica Insurance and USAA Insurance. Both are sold by insurance brokers who also sell other products but you can also get car quotes directly from them online.
Both Amica and USAA are considered to be second rate insurance companies that will give you good coverage for less, but not the personalized service that you would get if you went with a larger or more popular insurance provider. That may sound as a minus point for these companies but really, during these tough times, it’s exactly what most people need!
How Does Amica Insurance and USAA Insurance Measure Up to Your Needs?
Amica will give you good quotes for your car but will often quote you on the state minimum instead of the average coverage, which is $100,000. If you have an accident and only carry the state minimum insurance, you may be under-insured. In such a case, if judgment is for more money, you may end up having to pay more money in a lawsuit. So when you get a quote from Amica, make sure that you understand the extent of the coverage you are getting.
Very often, when you get a quote from Amica Insurance, you can also get a quote from the USAA company. Both of these companies are considered to be good companies to go with if you are looking for discount insurance. Both will give you quotes online and even over the phone. You can pay for both of them by credit or debit card.
Amica will charge you a service fee to pay for your insurance premium by credit card. And although both USAA and Amica will allow you to pay for your insurance premiums on a monthly basis, Amica charges a slightly higher service fee for this service (this amounts to an extra $2). Amica does not charge you to pay for the insurance premium right online by credit or debit card.
In general, Amica will give you standard insurance with a $1,000 deductible. The premium that you pay depends upon your age as well as your accident and ticket history (assuming you’re the driver of course). And speaking of age, Amica is a company that can offer better rates for younger drivers. If you have teenaged drivers in your home and are looking for a good insurance company that will not charge a lot of money for premiums, you may want to consider Amica right off the bat.
On the other hand, if you have tickets or accidents on your record, you may want to use Amica anyway as they are more lenient when it comes to those with poor driving records.
Amica Car Insurance and USAA Car Insurance both offer discounted car policies to all drivers without the fuss of having to deal with an agent. But again, offering “discounted insurance” does not mean you get “discounted coverage” too. Compare policies and you’ll soon find out that you actually get MORE by dealing with Amica and USAA.