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I've been with Amica for just 2 years. Switched because they saved me $500/year for my auto insurance. I have auto draft payment so never late. No claims or tickets. Had a slight rate increase the first year of about $80 and thought that wasn't too bad. My upcoming renewal has a $350 rate increase.

The agent said my state had an increase in coverage requirements. This barely affected me since my coverage was very similar to what the state required. But the rest of my policy went up $25-60 across the board for every category.

What is interesting is I got a quote from Progressive with lower deductibles and will be $200 cheaper than Amica's renewal.

Now here is where I got really pissed. I filled out another application thru Amica but with coverage tripling what I will have, with same deductibles. They quote was $100 cheaper than my current renewal and $171 cheaper than my renewal with the increase in coverage.

I started this off with a live chat thru their customer service by asking what my annual premium would be if I increased my coverage. When I got that I then asked why it was higher than a quote I just got. She couldn't answer that. Then I asked why as a current customer my rates increased so much where as a new customer they would be cheaper. She would no longer respond to me and after 10 minutes at idle with no response I closed the window.

I am financially better off now than 2 years ago. Have one car paid off and a year to go on another. Pay my bills on time. have a good solid income.

Maybe some of you have better luck with them but I think that they pull you in with low initial costs then raise it back up.

Location: Little Rock, Arkansas

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Katharyn Fst

When is Amica sending me the dividend check

Guest

Agreed, Amicas rates have gone up every year for me too. Now paying 500$ more than was paying in 2013. I thought is was because I had to also file a claim, which incidentally they have low balled and delayed payment on for the past 5 years!

Guest

We have 3 auto policies and 2 home policies with Amica. We've been with Amica for over 10 years.

Never had a home claim. FICOs are excellent and last auto claim (other than glass) was at least 6 years ago. Just found out the cost of our rental home policy is going up 41.75%! Pretty sure the cost of rebuild didn't increase that much in one year.

Now I'm waiting for a call back. If this is not an error, I will be shopping to move ALL of our policies.

Guest

All insurance companies give you a great rate when you sign up initially which is always lower than what you are currently paying. If you don't switch insurance companies every 3-5 years then you are missing out on lots of discounts. You have to keep these guys honest and the only way to do that is take business away from them!

Guest

FYI insurance rates have gone up on home or auto etc ACROSS the board pretty much in every state. Look at the CAT losses that have been absorbed, fraud etc. nationwide...just in tn 2012! Unfortunately, all those losses in other States do affect you...me..everyone.

Insurance rates are based on your personal insurance score...derived from your credit, experience, past loss history, tickets, territory, rate class/use, vehicle type, and loss ratios overall.

Keep in mind on homeowners your Cov A (dwelling) is not based on purchase price, but replacement cost....including debris removal. Have any of you noticed that durable goods have sky rocketed.?...metal, wood, building materials....

Insurers/agents must have enough coverage to replace your home as is or you are SOL in the event of CAT loss...thereby leaving them wide open for a E & O loss.

Bottom line...as a consumer You should shop around...find yourself an independent agent whom represents MANY different companies...You can compare rates. Save money and get personalized service with an agent whom knows you and your insurance needs. The added plus is that you can compare rates of many different carriers at once. As an agent myself...I value my clients opinions and different situations to create a package that is exclusive for them.

Ps Amica, State Farm , American Family, Allstate, Liberty Mutual ...are all CAPTURED agents....meaning they Sell ONE product...THEIRS.

Guest

i switched from state farm which i was with for 2 year and they jacked up my rate each year and ended up with 2200, so i called up amica and they were able to get me the save coverage with 2% deductible for 1500 so i was happy. Then i receive the renewal policy mind you i only been with them a year they jacked up the rate to 1975 that's s 25% increase on my second year.

Called them up and they were like Texas rates has increased across the board.

Sound to be like a bait and switch. so i will be waiting for this policy to finish then i am switch again.

Guest

I have been with Amica for 3 years. Initially, I had both auto and home insurance with them.

Last year, I had to switch auto insurance because my rates went up 25 % and I did not file any claims, get into any accidents or receive any tickets. My home insurance went up by about 10 % last year, but I adjusted my coverage down so that the difference was minimal.

Now I received my renewal packet and there is a 25% increase in the premium - once again no claims. Bait and switch for sure.

Guest

For those of you that are berating a post because the poster spoke to an online CSR, you are ignorant of the ways of AMICA. AMICA is not an insurance company, they are a mutual company, and have no agents, or brokers.

They only have company employees. whether that be online, or on the phone. As far as the dividend checks that were spoken of in a couple of posts, when I lived in GA I still got the checks.

When I moved to FL 5 years ago, I was told they quit giving the checks to FL residents. Once again, the reason for the checks was because they are a mutual company, not an insurance company, in the sense we know insurance companies to be.

Guest

I have been with Amica for 12 years. No claims, and nothing bad on my driver lisense.

First, a few years back, they quit sending dividend checks, if you live in Fl. Now, I am due to renew, and I get a $350 a year rate increase. I got the same song and dance as the rest of you. Due to Florida increasing the coverages...yada yada yada.

I called State Farm. Got quoted less than I paid for Amica last year, and with more coverage. It is astounding to me that the State Farm folks didn't get the same rate increases, due to the state increasing coverages, as the Amica folks told me about. I will be changing over to SF next week.

This is how we treat loyal customers in America. Screw them all you can, and bleed them dry.

Guest

AMICA is a wolf is sheep's clothing. Their annual rate increases are egregious based on supposedly insuring only the lowest risks. Inflation is low and there is no excuse for 15% auto rate increases despite anything their representatives or insurance commissioners say.

Guest

Just switch to AMICA in Sept. They gave me a fabulous quote for home and auto.

The dwelling replacement cost they quoted me was $272K at 130% replacement, which was right in line with other companies I contacted for quotes. Once I signed with AMICA, I elected to have EFT from my credit card. After the first premium payment, I received a call from the agent who signed me up stating, the corporate office reviewed my coverage and based on the exterior inspection they need to increase my replacement cost to $324K in order to qualify for the 130% replacement. This is just another "bait and switch" rip-off corporation.

Big business who thinks they can manipulate the consumer at will.

It's time for Americans to fight back! There should be a movement to "Occupy Insurances".

Guest

Switched from Allstate to Amica with home, auto and umbrella as Amica was cheaper, especially with auto.

Then on the first renewal, my coverage for the dwelling (the estimated cost rebuild) was increased by 12%! I ws told this was because the inspection (outside only) revalued the cost. I was never informed what the difference was.

In my opinion this is a game of: lure in new customer with lower rate, then increase replacement cost to drive up premium. Customer is consequently over-insured and over-charged. Even in the event of a loss, the insurance will only need to pay what it costs to rebuild - not the $$ amount you actually paid for.

Nice little scam with the fear of customers.

Guest

Not surprised that they raised your rates when you moved to Florida. Same thing happened when I moved to Arkansas. At first, I guessed it was about stolen cars, but now I realize people drive a lot crappier in the south and they don't slow down for pedestrians or anything on two wheels.

Guest

Exact same thing happened to me. Almost 12%increase the first year, and 17.7% coming up this year.

No accidents, no tickets, etc.

These companies should get a clue and try to keep their good customers. Guess I'll have to play the game and jump to the next company.

Guest

This issue is the same with most of the companies. They would rather find new customers than retain existing customers. I had been with Liberty Mutual for 10 years when a 20% increase finally urged me to seek out a replacement. I changed to Amica. Now, three years later Amica jacked my rates up 25%. I called 7 insurance companies to shop around.

Turns out Liberty Mutual is back down to what I paid last year (before the 25% jack up) so its back to Liberty Mutual (for now). I am sure it will happen again next year and I will be shopping again.

Its all BS. Welcome to the everybody wants to scam you out of your money matrix (otherwise known as Americas version of polluted capitalism.

Guest

Amica raised my homeowner's in Tampa around 35% in a single year. I dumped them and found cheaper.

Then I moved to North FL. They raised my car insurance in late 2010 despite my car now being 6 years old and worth less. No accidents. No claims.

I called asked why I had a jump (about 10 - 15%) and they said it was just normal adjustments for FL. I dumped them and got GEICO, which was cheaper. AMICA used to send out a sort of dividend check as well but stopped that a long time ago. I never made a claim.

So I can't say how that'd go. But they definitely have been mildly aggressive with rate increases.

Guest

Thank you so much for the info. Your insight is totally amazing, dude.

I donรขโ‚ฌโ„ขt know how I made it this far or how I would have gone out to acquire new insurance without having your knowledge displayed here. You, my friend, have a gift that you should share with the world, dude

.

Guest

Also dude, online quotes are typically pending underwriting. If you had only gotten as far as the online chat customer service rep, I'm guessing you hadn't even gotten close to underwriting yet. Your quote probably wasn't final.

You should have also been checking to see if your agent is a broker, or just an employee of the insurance company. If it's a broker, it's possible that he's upcharging you. It might have nothing to do with Amica.

Bottom line, everything you described in your story was based on impulse and emotion. There's too many holes in your story.

Guest
reply icon Replying to comment of Guest-253001

GMoneyGross, Please keep your rude comments private.

Guest

Dude, your story doesn't make sense at all.

First, why are you putting your trust in something that an online chat customer service agent said? If that's not bad enough, you berate this person (who is probably some person in India) over something your agent told you. WTF. Like the online chat person knows anything about what the *** you are talking about.

If you recieved a lower quote online, you should have taken it directly to the agent, and asked for an explanation. That's assuming you actually had an agent that you could meet in person, which you did not indicate. If your agent isn't a live person, my recommendation would be to get a live agent that you can meet in person, and discuss details of your policy.

Second, get a clue. All insurance companies will find ways to raise rates. Progressive always advertises that they are the lowest. I moved my auto insurance from Progressive over to Emcompass, and they killed Progressive. Point is, insurance companies are a horse a piece. The grass will always seem greener on the other side.

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