Auto Insurance

Learn About Our Auto Discounts

We offer several discount programs* to encourage good habits and reward our loyal policyholders. You may already be benefitting from some of these discounts, and we'd be happy to talk with you about all of the available options in your state.

For You

Multi-line: Amica provides a discount for combining multiple insurance policies with us. More policies mean more savings! You could add:

  • Auto
  • Home, condo or renters
  • Life
  • Umbrella

Multi-car: If you own and insure two or more autos with us, lower rates apply.

Homeownership: If you own a house or condo, you can qualify for a discount on your auto insurance. You can save even more if you get a home insurance policy with us. 

Loyalty: Your customer loyalty earns a discount because we recognize the value of a long-term relationship.

Tenure: If you've been with your insurance company for several years and then switch to Amica, you may be eligible for a lower rate.

Legacy: You can qualify for a discount if you’re under 30 and have been with Amica under a family member’s policy.

Paid in full: Earn a discount when you pay your annual premium in full.

E-discount: When you sign up for e-policy and e-bill, you’ll receive a discount.

AutoPay: We'll give you a discount when you sign up for automatic payments.

For Your Vehicle

Anti-theft devices: Amica reduces rates on the other than collision portion of your policy if your vehicle is equipped with a built-in anti-theft device such as:

  • An alarm system with a siren or loud horn
  • An active alarm, which cuts off the fuel, ignition or starting system
  • A passive alarm, which automatically sets itself when the vehicle is turned off
  • A vehicle recovery system, such as LoJack
  • A vehicle tracking system, such as OnStar

 Lower rates apply if your vehicle is equipped with factory installed air bags. Additional premium reductions apply if your vehicle includes head and torso-protecting side airbags.

Electronic stability control: A discount is available if your vehicle is equipped with a factory-installed four-wheel electronic stability control system.

For Your Drivers

Driver's training: A discount is available for new drivers who take driver's training classes.

Defensive driver and accident prevention classes: We have discounts for policyholders who successfully complete classes that help them become better drivers. In some states, these discounts are limited to mature drivers. We also offer an online class through to make the process easy for you. 

Good student discounts: We offer a discount for good student drivers.

Student away at school: If your child is a full-time student at a school or college more than 100 road miles away without a vehicle, you may qualify for a lower rate.

Call us at 800-242-6422 or contact us​ to verify the available discounts in your area.

*Not all discounts are available in all states