Amica Mutual Insurance allows all customers to cancel their policy at will, for any reason. But you could face a cancellation fee of up to $29, depending on when your policy started.1
Here’s what you should know about canceling your Amica coverage and comparing quotes to get a new policy in place.
The Amica website offers little information about its cancellation process. Drivers who want to cancel an Amica auto insurance policy should call the customer service phone number at 1 (800) 242-6422.
Amica has a virtual assistant chatbot on its customer service page. If you ask for information about canceling, the chatbot sends you a link discussing ways to save by staying with the company or providing you with the same telephone number listed above.
If you have any questions about your policy or renewal date, talk to your insurance agent.
Customers who want to cancel their Amica insurance policy must know their renewal date. Since Amica charges a fee for canceling coverage mid-cycle, you can save money by terminating your car insurance as close to your renewal date as possible.
You can find your renewal date on your insurance documents or your customer profile on the Amica website. You should also have new coverage ready to avoid a gap in coverage. Allowing your auto insurance to lapse could mean fines from your local government and a lack of protection if you’re involved in an incident between policies.
Before you cancel your Amica car insurance, compare rates from multiple car insurance companies to find the best new policy for your specific needs. Rates can vary widely between insurers depending on their payment structure, discount options, and the state where you’re purchasing a policy. Insurers consider your age, driving history, location, and credit history when setting your rates.2
If you’re looking at new insurance policies to save money, you can do a few things to help lower your premium costs.
First, consider bundling multiple insurance products like life insurance, auto insurance, and home insurance. Bundling makes paying your bills more convenient, and many companies offer multi-policy discounts. Second, see if you qualify for other discounts, such as those for having safety features in your car, making good grades, or taking a defensive driving course.
You may also be able to save money with different payment options, like auto pay or paying your premium once per year instead of every month.
Once you’ve compared rates from multiple insurance companies, choose the best fit for your needs. Your new insurance agent will help ensure you have all the necessary information and documentation on file to begin coverage.
When securing your new policy, you must provide personal and vehicle information. You should be able to provide the following information to your new insurance company:
Desired effective date of new policy
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Once you have your new policy, you’ll need to contact Amica to cancel your current auto policy. The Amica website doesn’t offer an online cancellation option. You’ll need to contact a customer service representative at 1 (800) 242-6422 or a local agent.
If you’re canceling your policy in the middle of your coverage term, you may have to pay an early termination fee of up to $29. You can save money by tracking when your policy is due to renew and cancel right before your renewal date.
In some circumstances, you may qualify for a refund from Amica. If you pay your insurance premiums up front and cancel before your coverage expires, Amica will return a portion of your premium amount minus any cancellation fees.
Ask your insurance representative about any refunds when canceling your policy. If you haven’t received any updates within 30 days of canceling your policy, call back to ask about the status of any refund.
Amica is typically more expensive than its competitors, sometimes by more than $200 monthly. The company has high rankings from most third-party rating services (except the Better Business Bureau), but its discount options are limited. Drivers with incidents on their record will also pay higher rates for an Amica policy.
Here’s a look at how Amica compares to some of its competitors so you can find the best option for your car insurance.
Drivers in the U.S. can cancel their insurance policies at any time.3 But you should always have new coverage before canceling a current policy to ensure continuous protection.
Yes. Amica charges a cancellation fee of up to $29 to customers who cancel their policy before the end of their coverage term. You can avoid this cancellation fee by ending your policy close to your renewal date.
Yes. Legally, all drivers in the U.S. can cancel their auto insurance at any time. But drivers who allow their policy to lapse without purchasing a new policy may face fines and penalties for driving without insurance coverage.
The simplest way to confirm that the cancellation of your Amica insurance policy is complete is to contact customer support. You should also receive a cancellation notice by email or mail confirming your cancellation.
Yes. Amica allows drivers up to 10 days past their due date before it considers the bill delinquent. The total owed will roll over to your next monthly payment.
Amica may cancel your policy if you don’t pay your premium within 30 days of the due date.
Amica doesn’t allow you to cancel your car insurance through your online account. You must contact customer service or an agent to cancel your auto insurance policy.
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