Car Insurance
Choosing auto insurance means finding the right level of protection for your needs and budget. YourPlan offers three coverage tiers designed to make that decision even easier. Review your options to see how you can customize your coverage.
Compare auto coverage options with YourPlan
YourPlan builds on the standard coverages in your auto policy and gives you flexible packages with additional options to modify features for more peace of mind or adjust coverages that may not align with your needs.
Our Essential, Advantage and Signature tiers build on one another, with each level adding additional coverages and benefits to the last. The comparison chart below shows what’s included in each tier on top of the many standard coverages already built into your auto policy.
| Essential | Advantage | Signature | |
|---|---|---|---|
| New Car Replacement | Included | Included | Included |
| Unlisted Driver Liability Coverage | State Minimum Limits | Policy Liability Limits | Policy Liability Limits |
| Full Glass1 | - | Included | Included |
| Roadside Assistance1 | - | $100 per disablement | $300 per disablement |
| Rental and Alternative Transportation1 | - | $1,200 per disablement | $2,250 per accident |
| Accidental Death Benefit | - | $10,000 | $50,000 |
| Quality Parts Guarantee | - | Included | Included |
| Better Car Replacement | - | - | Included |
| Accident Forgiveness | - | - | Included |
Coverage and feature availability may vary by state.
Learn more about these coverages
Below is a brief overview of the auto coverages and features available through YourPlan.
New Car Replacement
In the event of a covered total loss to a brand-new covered vehicle, we’ll pay to replace it without any adjustment for depreciation and physical condition, subject to your deductible and certain conditions.
Unlisted Driver Limited Liability Coverage
This coverage modifies how liability coverage responds in the event of an accident depending on who is operating the vehicle. The Essential auto policy will restrict coverage to the state minimum liability limits if anyone other than you, a resident family member or listed driver is using your covered vehicle, with the bene t of a reduced premium. The Advantage and Signature packages provide full liability coverage up to your specified limit for unlisted drivers using your covered vehicle with your permission.
Full Glass Coverage
Full Glass Coverage lets you repair or replace damaged windshields and windows without paying a deductible, helping you avoid unexpected costs when chips or cracks happen.
Roadside Assistance
If your covered vehicle becomes disabled, roadside assistance helps get you back on the road or to a safe location with services like towing, tire changes and jump starts.
Rental and Alternative Transportation Coverage
Rental and Alternative Transportation coverage helps you stay on the move by covering the cost of a rental car or other alternative transportation, such as Uber/Lyft, while your vehicle is being repaired after a covered loss, so you can keep your routine on track without interruption.3
Accidental Death Benefit
This benefit provides financial support should the unthinkable happen in a covered accident, offering an added layer of security during an unforeseen tragedy. It helps ease the financial burden families may face by providing a payout specifically designed for accident related loss.
Quality Parts Guarantee
This feature helps ensure your vehicle is repaired using new, reliable original equipment manufacturer (OEM) replacement parts, as long as they are still available, so your car is restored to factory-like condition.
Better Car Replacement
With Amica’s Better Car Replacement coverage, if your car is totaled in a covered loss, your settlement is based on the value of a vehicle one model year newer than your totaled vehicle, helping make replacing your car easier.
Accident Forgiveness
Accident Forgiveness helps protect you from a rate increase after your first at-fault accident. That means more confidence your premiums won’t jump because of a single qualifying incident.
Bundle-Exclusive Benefits
Managing your insurance is easier when your policies are all in one place. At Amica, you can combine your policies and save, whether you choose Amica Essential, Advantage or Signature. Simplify your life and leave more time for what's important.
Multiline Discount2
Save up to 30% when you bundle your auto, home and life insurance policies with Amica.
Single-Loss Deductible3
Pay no more than one deductible if your home and vehicle are damaged in the same covered loss.
12-Month Auto Rate Lock4
Combine home and auto insurance and your auto rate won’t increase in the first year.
1 Limits may be modified.
2 Discounts not available in all states and may vary.
3 Your home and auto policies must by written by Amica and must include a Single-Loss Deductible endorsement. The deductible for the covered loss will be the highest single deductible that applies to any item of covered property loss. Other terms and conditions may apply.
4 Your home and auto policies must be part of the Essential, Advantage or Signature offerings by Amica. Other terms and conditions may apply.
AMIC-16-050827