Amica Car Insurance Discount Programs

Amica car insurance offers discounts for many different reasons. Drivers can enjoy savings when they purchase additional insurance policies, complete driving classes, or equip their vehicles with safety devices.

Multiple Policy Discounts

Drivers who purchase additional forms of insurance through Amica can receive a discount on each insurance policy they own, including their auto insurance. Amica offers home insurance and life insurance policies and each policy comes with different form of discounts for current auto insurance customers.

The benefits of using one company for all of your insurance needs include a reduction in the amount of paperwork you have to deal with regarding insurance payments, as well as the opportunity to work with someone you are familiar with when you need to learn more about your insurance options.

Discounts for Driving Classes

Amica offers discounts for drivers who complete official driver education programs in the states that allow these discounts to be offered. Defensive driving classes will qualify a driver for a discount on car insurance because that driver will have a reduced risk of being involved in an accident.

Amica appreciates anything a driver can do to increase their safety and lessen their need to file an insurance claim for any reason. Some states limit these safe driver discounts to drivers who are senior citizens, while other states will allow the discounts to be offered to drivers of any age.

Anti-Theft and Recovery Systems

Drivers can earn discounts and protect their vehicles from theft at the same time. Amica offers specific discounts for drivers who install electronic anti-theft devices on their vehicles. Discounts are also offered for drivers who install tracking equipment that allows the police to recover a stolen vehicle quickly, before it can be damaged too severely.

These anti-theft discounts apply to the Other Than Collision rates offered through a standard Amica car insurance policy. They must be built-in devices rather than portable devices like steering wheel locks. Amica can provide you with a list of approved devices if you are interested in earning an anti-theft and recovery discount.

Academic Discounts

Good students can enjoy reduced car insurance rates. Any high school or college student that can show at least a B average on their semester reports will receive a discount through Amica in states that allow these kinds of discounts. Good students tend to be better drivers because they understand the importance of being responsible. This responsibility is exhibited by good grades and by a reduced number of accidents. Since the main reason that adolescents generally pay more for car insurance is because they have been statistically shown to drive more carelessly, good grades are a way to prove that an individual adolescent does not follow that careless driving trend.

Safety Equipment Discounts

Amica offers discounts for drivers who have their cars equipped with safety features that reduce the damage and injury for anyone in the car when there is an accident. Driver and passenger airbags and anti-lock brakes are commonly found on newer vehicles and will earn a driver a discount with Amica insurance. The less severe the injuries are after an accident, the less the insurance company will have to pay for medical bills and treatment. This reduced risk earns drivers lower insurance rates.

Discounts for Students Away From Home

When students go away to college, they tend to leave their vehicles garaged at home. Since the cars are not being driven daily, the insurance rates can be reduced. Amica offers special discounted rates for students who attend college or high school in areas that are distant from their stated place of residence.

The discounts greatly reduce the cost of insurance while the car is not being driven, while maintaining protection for the car when it is taken out for the occasional weekend drive. Students will be required to prove that the cars are not being driven in order to receive the discount.

Insure More Than One Vehicle

Amica also offers discounts for drivers who choose to insure more than one vehicle through Amica. The vehicles must be owned and driven by family members who reside in the same home. The insurance policies do not need to be identical in order for the discount to apply to each driver's policy.

Anyone who owns more than one vehicle and chooses to insure both vehicles through Amica will qualify for a discount on their policy as well. This discount is taken advantage of most often by parents with driving children or spouses who own two or more cars.