Amica Mutual Insurance Company

If you are looking for an insurance company who is large enough to be financially stable but also has strong ratings in customer service, Amica Mutual Insurance Company may be the company you are looking for. It is one of the oldest auto insurance companies in America. As a mutual insurance company, Amica is owned by the policyholders. It was founded in 1907 by A. T. Vigneron. He based the company on the notion of writing insurance policies for preferred risks and offering lower auto insurance rates . Back in the days of the early 1900’s car insurance became extremely important to automobile owners because of the danger of exploding gas tanks.

As the company became more successful it added additional insurance lines: homeowners’ insurance was added in 1956, personal liability insurance in 1970 and life insurance in 1973. The headquarters are located in Lincoln, RI. The focus of the company’s insurance products is its auto, homeowners, marine and personal excess liability policies.

Key people in the organization include Robert A. DiMuccio, President and CEO; James Loring, CFO; and Vince Burks, SVP Corporate Communications. Amica boasts assets of over $4 billion with over one million policies in force. Its subsidiaries include Amica Life Insurance Company, Amica General Insurance Agency of CA, Inc., Amica Lloyd’s of Texas, Inc., Amica Property and Casualty Insurance Company and Amica General Agency, Inc. The company’s mission statement relays its focus on customer service stating that the “customers always come first.” Amica is unique in the insurance industry for being one of the few large companies that still ranks high in the area of customer service.

Amica does not sell insurance products using direct insurance agents . Rather, customers may call, email or visit a local office to buy a policy. You won’t be dealing with a middle-man if you buy an insurance policy from Amica, you will be dealing with the insurance company directly. The company has 40 local offices and employs over 3,000. The company has worked to integrate the latest technology into its claims management and billing systems which will allows greater efficiency in servicing its customers.

Financial Strength Ratings and Company Awards

Amica Mutual Insurance Company has a stellar reputation by such insurance rating organizations as A.M. Best and J.D. Powers & Associates. The company’s main strong point seems to be in the area of customer service, receiving high rankings year after year. In fact, J.D. Powers & Associates ranked this company highest in customer satisfaction for 11 years straight. A.M. Best gives the company the ranking of “A++” Superior. The company was also listed in the Ward’s Top 50 list for the years of 2006 and 2008-2012. It is also a BBB accredited company with a rating of “A+.” Insure.com awarded Amica with its People’s Choice Award in 2012.

Pros

• Highly-rated by A.M. Best, J.D. Powers & Associates and other insurance rating organizations
• Consistently receives customer service awards year after year
• Customer praise in the areas of customer service and the speed in paying claims
• Variety of customer payment options available

Cons

• Some customer complaints about the handling of claims
• Reports of increases in premium without explanation
• Few local offices or agents to service customers

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American family auto insurance claims

While American Family Auto Insurance may not be as well known as some other auto insurance companies such as The Hartford or USAA, it is the tenth largest auto insurer in the United States and the fourth largest property and casualty mutual insurance company in America. It is listed in the Fortune 500 companies in the United States. American Family Insurance has as it motto, “All your protection under one roof.” In addition to auto insurance, the company offers home, life business, health, umbrella, farm & ranch insurance as well as retirement products.

The company was founded in 1927 by Herman Wittwer and was first called Farmers Mutual Automobile Insurance Company. Mr. Wittwer started his company by offering automobile insurance to farmers, who he thought to be better risks as they often did not drive their vehicles in the winter but put them in storage.

Over the years, the company expanded its products and territory to include 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin. In 1963, the company changed its name to American Family Mutual Insurance Company. American Family has over $5 billion in policyholder equity. Its corporate headquarters is located in Madison, Wisconsin.

Auto Insurance Products

American Family sells its auto insurance products through a network of approximately 3,500 agents. With your auto policy, you can purchase collision, comprehensive, bodily injury liability, property damage liability, uninsured/underinsured motorist, medical expense insurance and personal injury protection. You can choose to receive a quote online or visit one of the local offices. There are a variety of benefits and auto insurance discounts available with American Family’s auto policy.

Iscounts

• Auto & Home Premium Advantage
• Auto & Life Discounts
• Air Bag Discount
• Multiple Vehicle Discount
• Accident Free Discount
• Good Student Discount

Optional Coverage

• Auto Rental Reimbursement Coverage – This coverage is offered in partnership with Enterprise Rent-A-Car. You can also use a rental company of your choice. You can choose the level of coverage that meets your needs.
• Emergency Road Service – Emergency road service is available with the “sign and drive” option which allows you to have emergency repairs for covered towing & labor operations completed without having to worry about upfront payments or having to be reimbursed.

Safety Program

Teen Safe Driver Program – If you have a teenage driver living with you, this program allows you to actually see your teen’s driving habits. The insurance company cannot view the driving. This is accomplished by in-car technology called a “drive-cam.” A professional driving coach offers tips for improvement based on driving behaviors. There is no charge to enroll your teenage driver in the program.

Ratings, Customer Service & Awards

According to a customer survey by Insure.com, 86 percent of current American Family auto policyholders plan to renew their coverage. J.D. Power and Associates rates American Family excellent in the area of its claims process. American Family has an “A+” rating with the Better Business Bureau and is rated “A” Excellent by A.M. Best.

Not only does American Family rate well in the areas of customer service, claims and overall customer satisfaction but it has also received awards for its service in the community. It has received the gold award fro the Wellness Council of America for its comprehensive approach to employee health. The League of American Bicyclists awarded a bronze metal to American Family for helping to improve bicycle safety in the Madison, WI area. In 2010, the company was awarded the Teen Driving Safety Leadership Award by the National Safety Council.

Pros & Cons

Pros

• Excellent customer service and claims record
• Attractive features, discounts and benefits including the teen safe driver program

Cons

• Auto coverage is only available in 19 states
• The website is a little hard to navigate if you are trying to find explanations for benefits or receive an auto insurance quote.
• You must enter a VIN to receive a car insurance quote. While this information allows the company to provide a more accurate quote, some people feel uncomfortable providing this information online or may not have the VIN yet if they are just shopping for a vehicle.

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America Life Insurance

American Life Insurance is one of the reliable company since 87 years ago. American Life Insurance is a life insurance company that has been recognized globally and have many branches all over the world. American Life Insurance gives many tax advantages to all holders of insurance policies as well as take care of your life insurance policies related such as, health insurance, wealth management policy , pension insurance , medical insurance and so on.
Nowadays life insurance is one important factor in everyone's life . By the time you go to the insurance company , age is not the main criteria when it comes to getting your life insured. American Life Insurance is generally known as one of the insurance company AIG, and most Americans have come to the company to insure him . The market value of this company is very high . If you find a company ranked in a financial book , you will see their vast financial transactions with other financial institutions .
In the two American Life Insurance life insurance policies , especially related to this , namely AIG Insurance Company Term Life Insurance and Whole Life Insurance . In this case the Term Life Insurance is a policy that is taken for a short period of time and Whole Life Insurance is a policy for a long period of time , where you get yourself insured for your whole life.
AIG insurance company is a life insurance company, then according to what the needs of ordinary people . One of the advantages that when insured yourself on your life insurance company is going to get a lot of profit on all your life insurance life insurance policy that no other life insurance company provides you as this company provides you with the benefits when you are still alive.
American Life Insurance today has increased the relationship with their vast flowing customer's have started life insurance online services . So that everyone can easily access it and make it convenient for them to get themselves and their family members insured staying within the very comfort of their own homes.

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