Can you cancel Amica insurance at any time? This question is about Amica Insurance

Yes, you can cancel Amica insurance at any time by contacting Amica and either canceling your coverage immediately or setting a cancellation date for the future. However, Amica charges a cancellation fee of $25 for canceling your coverage mid-policy. While Amica allows you to cancel at any time, it is important to note that you should never cancel your coverage without a new policy in place if you plan to continue driving your vehicle. Otherwise, you will face penalties for driving without insurance. How to Cancel Your Amica Policy Prepare the necessary information. Before contacting Amica, make sure you have your policy details available. You will likely be asked for your driver’s license number, policy number, and SSN. Contact Amica. You can cancel your Amica policy by calling customer service at 800-242-6422. You can also cancel your policy by contacting your agent directly. Again, you may do this at any time during your policy period. You do not have to wait until the policy renewal date. Pay the cancellation fee. Before your policy is officially canceled, you will have to pay a cancellation fee of $25. Possibly receive a refund. If you are canceling your insurance coverage mid-policy, Amica may refund you for any unused coverage that you paid for. Confirm cancellation. Once your policy has been canceled, you should receive confirmation via email or mail. If you do not receive confirmation within 7-10 business days of canceling your policy, you should call Amica. To learn more, check out Amica reviews on WalletHub.

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Can you cancel Amica insurance at any time?

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This question is about Amica Insurance

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Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 09/21/22 This answer was first published on 09/21/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, you can cancel Amica insurance at any time by contacting Amica and either canceling your coverage immediately or setting a cancellation date for the future. However, Amica charges a cancellation fee of $25 for canceling your coverage mid-policy.

While Amica allows you to cancel at any time, it is important to note that you should never cancel your coverage without a new policy in place if you plan to continue driving your vehicle. Otherwise, you will face penalties for driving without insurance.

How to Cancel Your Amica Policy

Prepare the necessary information. Before contacting Amica, make sure you have your policy details available. You will likely be asked for your driver’s license number, policy number, and SSN.
Contact Amica. You can cancel your Amica policy by calling customer service at 800-242-6422. You can also cancel your policy by contacting your agent directly. Again, you may do this at any time during your policy period. You do not have to wait until the policy renewal date.
Pay the cancellation fee. Before your policy is officially canceled, you will have to pay a cancellation fee of $25.
Possibly receive a refund. If you are canceling your insurance coverage mid-policy, Amica may refund you for any unused coverage that you paid for.
Confirm cancellation. Once your policy has been canceled, you should receive confirmation via email or mail. If you do not receive confirmation within 7-10 business days of canceling your policy, you should call Amica.

To learn more, check out Amica reviews on WalletHub.

Answer Question

Why is Amica so expensive?

Amica is so expensive because of agent commissions and rising costs overall for insurance companies. At $762 per year per year, the average Amica car insurance policy is more expensive than the national average of $671 per year for a policy with minimum coverage.

Amica insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. For example, teenagers pay an average of $2,959 per year for Amica insurance, compared to $762 per year for older drivers. Additionally, drivers who have recently had an at-fault accident pay an average of $1,323 per year for Amica coverage, which is 74% more than drivers with a clean record.... read full answer

Factors That Can Make Amica Insurance More Expensive

Commissions for agents

Rising costs overall for insurance companies

Being a young or inexperienced driver

Purchasing a full coverage policy versus minimum coverage

Causing an accident or being convicted of a moving violation

Living in a high-risk ZIP code

Driving an expensive vehicle

Having a poor credit-based insurance score

If you’re struggling to afford your Amica policy, there are ways for you to lower your rate. For example, you can take advantage of Amica discounts or reduce your coverage. In some cases, it might be better to switch insurers altogether. It’s usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Amica is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub’s Amica insurance review.

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What rating does Amica Insurance have?

Amica Insurance is rated 3.4 out of 5 by WalletHub’s editors, based on factors such as customer reviews and watchdog-group ratings. For example, Amica has a rating of 1.95 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

Amica Insurance Ratings... read full answer

WalletHub Editors: 3.4

A.M. Best: A+

J.D. Power: 4.3

NAIC: 1.95

BBB: A+

Average User Rating on WalletHub: 3.6 /5

To learn more, check out WalletHub’s complete Amica car insurance review.

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Is Amica good at paying claims?

Amica is good at paying claims compared to the average insurance company, according to J.D. Power’s latest claims satisfaction survey. Amica scored 903 out of 1,000 for their claims process, compared to the industry average of 873 out of 1,000.

How Amica’s Claims Process Compares to Competitors

Company ... read full answer	Claims Satisfaction Score
Amica	903/1000
USAA	890/1000
The Hartford	869/1000
Geico	874/1000
Progressive	861/1000

Source: J.D. Power Claims Satisfaction Survey, 2022

It takes about 30 days, on average, for an insurer to pay out a claim, but this may vary depending on the circumstances. To ensure that your claim is handled as quickly as possible, be responsive and detailed when answering any questions your insurance company might have. If your claim is taking too long, you can contact your insurer directly or go to your state’s insurance regulator for help.

To learn more about the claims process, check out WalletHub’s guide to car insurance claims.

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