I've been with Amica for just 2 years. Switched because they saved me $500/year for my auto insurance. I have auto draft payment so never late. No claims or tickets. Had a slight rate increase the first year of about $80 and thought that wasn't too bad. My upcoming renewal has a $350 rate increase.

The agent said my state had an increase in coverage requirements. This barely affected me since my coverage was very similar to what the state required. But the rest of my policy went up $25-60 across the board for every category.

What is interesting is I got a quote from Progressive with lower deductibles and will be $200 cheaper than Amica's renewal.

Now here is where I got really pissed. I filled out another application thru Amica but with coverage tripling what I will have, with same deductibles. They quote was $100 cheaper than my current renewal and $171 cheaper than my renewal with the increase in coverage.

I started this off with a live chat thru their customer service by asking what my annual premium would be if I increased my coverage. When I got that I then asked why it was higher than a quote I just got. She couldn't answer that. Then I asked why as a current customer my rates increased so much where as a new customer they would be cheaper. She would no longer respond to me and after 10 minutes at idle with no response I closed the window.

I am financially better off now than 2 years ago. Have one car paid off and a year to go on another. Pay my bills on time. have a good solid income.

Maybe some of you have better luck with them but I think that they pull you in with low initial costs then raise it back up.

I applied for a homeowners insurance policy with Amica and was denied coverage simply because I foster dogs for animal rescue organizations. The fostering I do has been minimal - three over the past five years. Two were small mixed breeds and one is a border collie. I work through organizations that are registered non-profits with the IRS and all dogs are temperment tested before coming into rescue. I wanted all animal lovers to know that Amica's policies are not dog friendly.