Liberty Mutual vs. Amica Insurance

The Liberty Mutual phone number is 1 (800) 290-8711 for customer service, and customer service representatives are available 24/7. You can also contact Liberty Mutual by logging in to your Liberty Mutual accout online or visiting a local agent. 

How to Contact Liberty Mutual

• Call 1 (800) 290-8711 to speak with a customer service representative
• Go to Liberty Mutual's website and use the chat function
• Mail your request to Liberty Mutual at Liberty Mutual Insurance Group / Personal Market - RPC / PO Box 1604 / New York, NY 10116-1604
• Visit a Liberty Mutual agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Liberty Mutual. For instance, to file a claim, you can file online, over the phone, or through the Liberty Mutual mobile app. However, to cancel your policy with Liberty Mutual, you will most likely need to call 1 (800) 290-8711.

Liberty Mutual Phone Numbers

To learn more, check out WalletHub's full review of Liberty Mutual.

The Amica phone number is (800) 242-6422 for sales and customer service, and customer service representatives are available Monday to Friday, 6 AM - 1 AM and Saturday and Sunday, 7 AM - midnight ET. You can also contact Amica by going to Amica's website and using the chat function, emailing customer service, or mailing a written request. 

How to Contact Amica

• Call (800) 242-6422 to speak with a customer service representative
• Go to Amica's website and use the chat function
• Mail your request to Amica at Amica Scan Center / PO Box 6700 / Providence, RI 02940-6700
• Visit a Amica agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Amica. For instance, to file a claim, you can file online or over the phone. However, to cancel your policy with Amica, you will most likely need to call (800) 242-6422.

Amica Phone Numbers

To learn more, check out WalletHub's full review of Amica.

The phone number for Liberty Mutual roadside assistance is 1-800-426-9898, and representatives are available 24/7. Alternatively, you can request assistance through Liberty Mutual's website or mobile app for roadside emergencies like towing and battery jump-starts.

What Liberty Mutual Roadside Assistance Offers

• Free towing for $50 to $200 per tow
• Jump starts
• Lockout services
• Fuel delivery
• Tire changes
• Winching/extraction

To learn more about your options for roadside assistance, check out WalletHub's guide on the best roadside assistance companies.

Yes, Liberty Mutual has accident forgiveness for car insurance customers. Liberty Mutual accident forgiveness applies to one accident every five years, and it can be earned for free if you haven't had any accidents, claims, or violations in the last five years.

Keep in mind that Liberty Mutual accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past five years, the other named drivers cannot have an accident forgiven.

On average, Liberty Mutual premiums go up by 69% after an at-fault accident. This just goes to show how much of a money-saver accident forgiveness can be. But even if you don't qualify for Liberty Mutual accident forgiveness, there are still other ways to lower your rate after an accident.

To learn more, check out reviews and key information about Liberty Mutual, as well as our guide to accident forgiveness.

Yes, Liberty Mutual offers rental car insurance. If you already have a personal auto policy with Liberty Mutual that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered.

You can talk to a Liberty Mutual customer service representative at 1 (800) 290-8711 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Liberty Mutual to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.

Liberty Mutual Rental Car Coverage

Liability Insurance. Liberty Mutual liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others' medical expenses and repairs to others' property resulting from an accident you caused in your rental vehicle.

Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with Liberty Mutual, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your Liberty Mutual collision and comprehensive coverage limits may not be high enoughif you are renting a car with a much higher value than your personal vehicle and the car gets totaled.

Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.

Liberty Mutual also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, Liberty Mutual will pay about $30 to $90 toward the cost of your rental, up to 30 days. You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, Liberty Mutual will pay up to $25 per day, but no more than $600 per claim for your rental. Allstate also offers discounts from rental companies like Enterprise and Hertz to make your coverage stretch even further. 

To learn more, check out reviews of Liberty Mutual on WalletHub, as well as our guide to rental car insurance.

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

• 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.

Amica insurance rates go up by an average of 17% after an accident. Drivers who have Amica accident forgiveness will not see their car insurance rates go up at all after their first accident in a certain number of years, however. Policyholders accumulate “good driver rewards” for each year of good driving and can use them to lower their deductibles or prevent their premiums from going up after an accident. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.

The exact amount that premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, and the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.

To get Liberty Mutual affiliation discounts, a customer must be a member of the military, a teacher, a full-time student, a member of an affiliated credit union, or an employee of an affiliated company. Liberty Mutual affiliation discounts generally save qualifying policyholders 5% to 10%.  

Liberty Mutual Affiliation Discounts

• Military: A discount if at least one member of the household is active, retired, or reserved in the United State Armed Forces. Discount amounts vary, but drivers can save up to several hundred dollars a year.
• Teachers: Specialized $0 deductible car insurance options – including vandalism loss protection, personal property coverage and collision coverage – that apply to teachers' vehicles and the belongings within them while on school grounds and during school functions.
• Students: Discounts for students with a GPA of B or better and students who attend school more than 100 miles away from their car.
• Affiliated Organization: Discounts for customers associated with particular employers or credit unions. Liberty Mutual partners with more than 20,000 organizations, and you can call the company to see if your employer or credit union qualifies.

Keep in mind that the eligibility details for Liberty Mutual's affiliation discounts vary by state. Also, the company offers a wide variety of general car insurance discounts that can help auto insurance customers save even more.

Yes, Amica is a good insurance company, offering car, home and life insurance to people in 49 states. Amica has earned A+ ratings from insurance industry watchdogs like the BBB and A.M. Best, and it has an average user rating of 3.5/5 on WalletHub. Amica does have more customer complaints than average, however, according to the National Association of Insurance Commissioners.

Amica Mutual Insurance Company, as it's officially known, is based in Lincoln, Rhode Island, and it has been in operation since 1907. It currently offers a variety of insurance policies for cars, boats and homes, as well as coverage for pets, special events and small businesses. You can save by bundling Amica Insurance policies, too.

Why Amica Insurance Is a Good Company:

• Has been in business since 1907
• A+ rating with the Better Business Bureau
• A+ rating with A.M. Best
• Averages 3.5/5 among user ratings on WalletHub

You can get a free Amica Insurance quote online or by contacting an agent at 1-800-242-6422.

To learn more, check out WalletHub's Amica insurance review

An Amica umbrella policy covers claims beyond the financial limits of an existing auto or home insurance policy. An umbrella insurance policy from Amica costs about $100-$400 per year, and it can add $1 million, $2 million, or $5 million in additional liability coverage.

What Amica Umbrella Policies Cover

• Additional bodily injury and property damage liability limits
• Dog bites
• Liability from a car accident in a different country
• Defense against charges of libel, slander and defamation of character

Amica's umbrella policies are a good choice for customers with a high net worth who want extra coverage for property damage, injuries, and possible lawsuits that could result from various types of accidents. Umbrella policies may also cover claims that might not be covered by standard liability policies, like slander, libel, and psychological harm.

You can get a quote for Amica umbrella insurance by calling 1-800-242-6422. To be eligible, you will also need a home or auto policy from Amica.

To learn more, check out reviews and key information about Amica on WalletHub, as well as our guide to umbrella insurance.