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Amica vs. Progressive

Amica and Progressive are two of the many companies in the business of providing auto insurers to drivers and their families. Car insurance is legally required in virtually the entire United States in order to drive a vehicle. Some new companies are offering pay by the mile insurance plans but the vast majority of car insurance customers prefer traditional policies that provide the same coverage whether they have a spike up in miles driven or not.

Some consumer products cost the same whether you buy them on the east coast, the west coast or any point in between. Car insurance, however, is a variable cost product. The amount you pay for your insurance (known as your premiums) will depend of many factors. One of the more important factors is your driving safety record. Although Amica and Progressive can provide insurance to drivers who don’t have a perfect record, consumers without a history of accidents or moving violations will get very competitive rates right off the bat.

Car insurance consumers must decide of the coverage they are comfortable with. IN addition to liability insurance, they should think about whether they want to pay for additional coverages such as collision insurance. If your car is relatively new, you may very well want to cover the cost of repair should you get into an accident. But if your vehicle is older, the book resale value may not make it worth your while to pay for such protection.

The auto insurance industry is governed at the federal and state level. Virtually every state has an Insurance Commissioner whose office overseas and regulates insurance activities within their border. One of the main goals of this regulatory environment is to help ensure that insurance companies have sufficient financial reserves to pay out their claims.

It’s a bit of a complicated consumer product, but you don’t have to be totally on your own if you’re in the market to insure your cars.

Rates by age

Age bracket Progressive avg. annual premium Amica avg. annual premium
Teens $8,248 $5,366
20s $2,287 $1,631
30s $1,646 $1,631
40s $1,644 $1,151
50s $1,542 $1,105
60s $1,403 $1,066

All About Amica

Amica Insurance is a well established player in the insurance industry. They have been providing auto insurance to customers going back to their inception in 1907, the very dawn of the automobile age. At first they were known as the Automobile Mutual Insurance Company of America and, over time, shortened it to the acronym Amica. As indicated by their name, they are not a publicly traded company owned by share holders in the firm. They are technically owned by their policy holders and this type of organization is known as a mutual company. Many feel that this type of corporate organization, free from the sometimes overly short term pressures from Wall Street, allows a company to take a longer term view of their operations.

Amica has a long record of strong customer service and they are known as a stable, financially secure operation. Which is important because, if you need to make a claim, you want it settled as expeditiously as possible,

Amica Discounts and Savings

If you are willing and able to combine your auto, life, and home insurance together with Amica you may be able to save up to 25% in most states based on their current sales promotions. Also, like many other providers of car insurance, Amica may be able to provide additional discounts if you have more than one vehicle to insure.

But, at the end of the day, the final price you’ll pay for insuring your vehicle with Amica will depend on a variety of factors which will collectively form a consumer profile of yourself. The location of your primary residence – do you live in a rural area, a city, a suburban area – can result in different rates for the average consumer, all other things being equal. This is because different locales have different rates of incidence of vehicular accidents and all insurance companies price their policies accordingly.

Amica is a highly regarded company and customers and the business press alike. They have won 50 J.D, Power customer satisfaction awards since 200 and in 2019 they won a spot on Forbes magazine’s list of Best Midsized Companies in America.

All About Progressive

In 1937, the entrepreneurs Jack Green and Joseph Lewis started a new insurance entity known as the Progressive Group of Insurance Companies. The car insurance industry was still in it’s early days and the two partners had a vision to expand auto insurance coverage beyond the relatively small pool of drivers with perfectly clean records. In more modern times they have continued to be an innovative company. They were among the first large auto insurers to have a web presence on the internet and were among the earliest financial services companies to enable mobile device based transactions.

Progressive have grown mightily since their early days. In recent years they have earned gross revenues in excess of $30 billion annually and have reported net incomes of over $2.5 billion. They claim to have over 18 million customers for their various product lines and offer customer support 365 days a year, 24 hours per day.

Progressive Discounts & Savings

The rates you’ll receive from Progressive will, of course depend upon your personal needs and personal history. You will need to decide on the depth of coverage you want including whether you want collision insurance, roadside assistance and a host of other adjunct insurance products over and above simple liability coverage.

Progressive offer a wide variety of potential discounts that you may be eligible for. They offer discounts if you have multiple policies with them and if you insure multiple vehicles with them. They offer discounts to good drivers and good students. You can even get discounts by obtaining your insurance from they online rather than seeing an in person agent. But remember, other companies also off a menu of discounts.

Discounts

Discount Type Amica Progressive
Passive Restraint Discount up to 40% up to 10%
Multiple Vehicle Discount up to 25% up to 30%
Anti-Theft Device Discount up to 25% up to 5%
Multiple Policy Discount up to 10% up to 10%
Low Mileage Discount up to 10% Varies
Student Away at School Discount up to 10% up to 10%
Good Student Discount up to 10% up to 10%
Anti-lock Brake Discount up to 5% --
Preferred payment discount Varies Varies
Electronic Stability Control Varies --
Family Discount Varies --
Driving training discount Varies --
Paperless documents discount Varies Varies
Paid in full discount Varies Varies
Home Owner Discount Varies Varies
Good Driver Discount Varies up to 26%
Loyalty Discount Varies Varies
Provider Switch Discount Varies Varies
Prepay Discount Varies Varies
Defensive Driver Discount Varies Varies
E-billing Discount Varies Varies
Claims Free Renewal Discount Varies --
Good Credit Discount -- up to 84%
Starting your auto quote online discount -- Varies
Signing documents when you buy online discount -- Varies
No lapse in coverage discount -- Varies
Discount Finder -- Varies
Military Discount -- Varies
Continuous Coverage Discount -- Varies
Youth Driving Discount -- Varies
teenSMART Discount -- Varies

Comparing car insurance rates

Be smart. Look at all possible ways to spend less for the products offered by both Amica and Progressive. See which would be the cheaper deal for you and your family. Both companies will offer a suite of potential coverages so be sure that you have the same levels of coverage in each proposal, when you compare them. General.com will work to get the lowest costs for your car insurance through our easy to use web tool. With only a few clicks you will be on your way to making these insurance providers carriers compete for your business.

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