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We have been with Amica for a long time and they have generally been pretty good on any claims we have had. But this last billing cycle, we received a letter stating "you have not received the best possible insurance rate because we see there have been inquiries into your credit." Not only is this not relevant, but also not true.

When delving into it further, Amica gave us about 8 different reasons for this arbitrary premise. It included such ridiculousness as "your credit score is not perfect. It's not based on any credit score company, it's Amica's own credit rating." Since I own about $2 million in unencumbered assets, this is highly offensive.

They then launched into several other excuses such as "we received reports that your mileage isn't what we thought it would be" and "there are more than 400 points that we consider in offering rates." (but could not share a list of those). Not a way to treat a long time good customer.

User's recommendation: Shop around.

Location: Pueblo, Colorado

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