If You Have Amica Car Insurance, Consider Stepping Up To Platinum Coverage

Amica is the nation’s oldest mutual insurer of cars, having been originally established in 1907. Today, it ranks as the 23rd largest car insurance company in the country with just under $1 billion in direct premium written each year, though it truly performs above this rating when it comes to customer satisfaction and respect in the industry. You will find Amica at or near the top of every objective survey about car insurance companies in the country as it routinely outranks companies many times its size for value, claims processing and overall customer satisfaction.

One reason Amica outranks many competitors for value and customer satisfaction is its commitment to find new ways to service its customers. As a mutual insurer, it doesn’t have “shareholders” in the traditional sense of the word. Customers are shareholders at Amica, giving the company a slightly different focus than many other insurers. One of the more popular innovations Amica has developed for car insurance customers is its premium service package known as the Platinum Choice Plan. If you are currently an Amica customer (or if you’ve been looking at them as an alternative to a current insurer) it could benefit you to take some time to consider stepping up to a Platinum package.

Platinum Choice basics

When you start building your car insurance coverage plan with Amica, the Platinum Choice option is something you can select that overlays your traditional coverage options (liability, collision, uninsured/underinsured motorist, etc.) With it you get access to some fairly impressive products and services that will compliment whatever you put in place for car insurance protection, including:
Amica’s good driving rewards – a program where you car earn what Amica refers to as Advantage Points, which can be redeemed to lower or eliminate your costs if you are in an accident. These points can be used to:

• Waive an auto accident surcharge
• Pay down or eliminate your deductibles on options like collision or comprehensive coverage

Amica will grant you these Advantage Points as a reward for:

• Staying with Amica as an auto insurance customer
• Adding other Amica policies
• Renewing existing Amica policies
• Completing a year of good driving (with no at-fault accidents or major or points-totaling infractions)
• Referring other drivers to Amica (you earn points if drivers you refer become Amica customers)

Your Advantage Points never expire while you have an Amica policy. You can use your points however and whenever you choose.

Identity fraud monitoring – an innovative feature, Amica's identity fraud monitoring service will keep tabs on your credit files and personal information at all three major credit bureaus (Equifax, Experian and Trans Union) on a 24/7 basis. You will be alerted within 24 hours if unusual activity is detected. You will be given toll-free access for you and your family to an Identity Theft 911 experienced fraud specialist. If a problem occurs, you will receive expert assistance with all documentation and phone calls needed to resolve your case.

Full glass coverage – an option that can save you a bundle down the road, Amica’s full glass coverage will provide you with new windshields or door windows at no cost to you (no deductibles will be applied.) Whether the glass has a small chip or is completely shattered, Amica will pay to repair or replace it and it applies to any damage, big or small. Your choice of repair facilities under this program is not limited in any way. If you need help finding a repair facility, Amica's glass partnership program offers high-quality repair and replacement services from our member shops, including a lifetime guarantee on defective parts and workmanship for replacements as long as you own the vehicle.

Prestige rental coverage – don’t be stranded without a car when yours needs to be repaired as a result of a cover able accident. With this coverage, you have no daily limit on your rental charge. Amica gives you up to $5,000 per accident toward the rental of a comparable car. It ensures you can drive a car with the performance and luxury similar to your own. Coverage applies when your vehicle is in a covered loss, whether your car is involved in a hit and run, in a total loss, is stolen or in any other covered accident, your $5,000 limit applies and continues until your vehicle is repaired or you are able to purchase a replacement.

Flexibility with these options

While you can add each of these elements, separately, to your Amica car insurance plan, you will get a better deal if you take on the entire Platinum package. Depending on the state where you live and the plan you have in place, you can add Amica’s Platinum Choice for no additional premium (and might even find yourself eligible for a premium discounts as you bundle these options.)
Not all of the elements of the Platinum plan are available in all states and not all of the range of discounts with Platinum are equally available in all states, so be sure to consult your Amica representative to see what’s available where you live and drive.

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(Note: this article is intended for informational purposes only and should not be read as a solicitation or a promotion. The author has no affiliation with Amica or any other car insurance provider.)

 License: Royalty Free or iStock source: Image courtesy of Amica Mutual

Jeffrey Davidson is a writer and consultant with more than 25 years of experience working with insurance companies across many lines. He currently writes about car insurance for Reply!. You can find his article on other options for saving on car insurance.