Amigo Car Insurance Review (2024)

Amigo Insurance is a smaller insurance provider that offers coverage in a few states with plans on growing. While it’s not as recognizable as larger car insurance companies, Amigo commands a loyal following of happy customers.

Amigo offers car insurance in Mexico, Wisconsin, Texas, Illinois, and Indiana. The company’s immediate plans are to spread into Arizona, Nevada, and Georgia.

From state-required minimum liability to full coverage, Amigo car insurance might be right for you. However, you should always compare prices with other companies to get the best deal. Enter your ZIP code into our free tool to see what rates might look like for you.

Amigo Insurance Monthly Rates vs U.S. Average

Factors Affecting Coverage Cost With Amigo Insurance

When considering an insurance policy with Amigo Insurance, various factors come into play that can significantly impact the cost of your coverage. Understanding these factors is crucial for making informed decisions about your insurance plan. Explore the key elements that affect the coverage cost with Amigo Insurance, providing you with insights into what drives the pricing of their policies.

The cost of insurance coverage is influenced by a multitude of factors, and Amigo Insurance is no exception. Your circumstances, such as your location, driving history, type of coverage needed, and even your vehicle, can all play a role in determining the final price you pay for your insurance.

By understanding these factors and how they affect your coverage cost with Amigo Insurance, you can make more informed choices to secure the protection you need while staying within your budget.

How much does Amigo insurance cost?

Unfortunately, Amigo is not forthcoming with its prices. You can make Amigo insurance payments online, but there is no online option to get a quote. Even if you fill out the online form, you might not see what Amigo can do for you. In all likelihood, you’ll see insurance companies Amigo is partnered with rather than Amigo quotes.

However, you can get an idea of how much Amigo insurance will cost by looking at the average insurance price in the states it operates in.

Customers tend to say that Amigo is affordable, meaning rates from this company should be around the average cost in your state. It might even be cheaper. However, if you want to see exactly what a quote would look like for you, you’ll need to call the Amigo car insurance phone number.

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Coverage Options With Amigo Car Insurance

While Amigo operates in several states, it’s most popular in its home state of Illinois. Amigo started with the goal of providing an easy, honest insurance experience for its drivers.

As with most of its competitors, Amigo offers three primary forms of car insurance:

• Liability. Most states require a minimum amount of liability coverage (including all the states Amigo operates in). Liability pays for damage you cause in an accident to both people and property.
• Comprehensive. If your car is damaged outside an accident, comprehensive will help repair it. This includes damage from weather, animal contact, vandalism, fire, and theft.
• Collision. No matter who causes the accident, this type of coverage will help repair your car after an accident.

Amigo also offers a few additional coverages you can add to your policy, though not as many as competitors. These include:

• Underinsured/uninsured motorist. While drivers are legally required to carry insurance, not every driver follows the law. Underinsured/uninsured motorist protects you from drivers with inadequate insurance.
• Medical payments. Medical bills add up quickly, especially after an accident. Amigo offers coverage for injuries, rehabilitation, lost wages, and funeral expenses.
• Mexico car insurance. As one of the only insurance companies in America to offer coverage in Mexico, you can buy coverage if you have plans to drive in Mexico anytime soon. Amigo offers both short and long-term coverage.

While it doesn’t have the most extensive list of products out there, Amigo has everything you need for broad protection on your car.

Amigo makes it easy to manage your plan online once you’re a customer. An Amigo car insurance login gives you full access to your entire account.

Does Amigo Offer Car Insurance Discounts?

Amigo Insurance stands out among smaller insurers by offering a range of discounts to its customers. Despite its size, Amigo ensures that policyholders can benefit from various cost-saving opportunities. Here is a breakdown of the discounts available:

1. Good Driver Discount
2. Good Student Discount
3. Bundling Discount
4. Multi-Car Discount
5. Safety or Security Features Discount

While Amigo’s list of discounts may not be as extensive as some other insurers, there are still ample opportunities for policyholders to save on their insurance premiums.

Process for Filing Amigo Car Insurance Claims

Ease of Filing a Claim

Amigo Car Insurance understands the importance of a hassle-free claims process. They offer multiple convenient methods for filing a claim, ensuring that policyholders can choose the option that suits them best.

Whether you prefer online submission, phone assistance, or mobile app functionality, Amigo has you covered. This flexibility in filing a claim demonstrates their commitment to customer convenience and satisfaction.

Average Claim Processing Time

When you’ve been involved in an accident or need to make a claim, time is of the essence. Amigo Car Insurance is dedicated to swift claim processing to help you get back on the road as quickly as possible.

While specific processing times can vary depending on the nature of the claim, Amigo strives to provide efficient service. Policyholders can expect reasonable turnaround times for their claims, contributing to a smoother and less stressful experience.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in assessing an insurance company’s performance in handling claims. Amigo Car Insurance has garnered positive reviews from its policyholders regarding their claim resolutions and payout experiences.

This feedback speaks to the company’s commitment to providing fair and satisfactory outcomes to its customers. Hearing from those who have benefited from Amigo’s claims process can provide prospective policyholders with confidence in their choice of insurance provider.

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Technological Advancements and Digital Elements in Amigo Car Insurance

Mobile App Features and Functionality

Amigo Car Insurance offers a user-friendly mobile app designed to enhance your insurance experience. The app provides various features and functionalities that allow policyholders to manage their accounts, access important policy information, and even file claims on the go.

With the Amigo mobile app, you can have your insurance needs at your fingertips, ensuring convenience and accessibility.

Online Account Management Capabilities

For those who prefer managing their insurance policies online, Amigo has created a robust online account management system. Once you become an Amigo customer, you gain access to a secure online portal where you can review your policy details, make payments, and update your information.

This digital platform streamlines the management of your insurance, making it easier than ever to stay in control of your coverage.

Digital Tools and Resources

Amigo Car Insurance doesn’t just stop at providing coverage; they also offer a range of digital tools and resources to help you make informed decisions about your insurance.

Whether you’re looking for educational resources, insurance calculators, or tips on how to lower your premiums, Amigo’s commitment to digital empowerment ensures that you have access to valuable information that can benefit you as a policyholder.

Customer Reviews for Amigo Car Insurance

Customer feedback plays a vital role in assessing an insurance company’s performance. Although Amigo Car Insurance might not have been noticed by professional rating agencies, customer reviews provide valuable insights. Reviews tend to be positive, with many customers expressing satisfaction with Amigo’s offerings.

The company’s support for the Latino community and bilingual services has garnered praise. Customers appreciate Amigo’s willingness to work with high-risk drivers at affordable rates, making it an attractive option. However, it’s worth noting that some customers have reported challenges with the customer service experience, citing difficulties in reaching agents and occasional rudeness.

History and Mission of Amigo Insurance

Amigo Insurance’s history is deeply rooted in a commitment to safeguarding individuals and families. With a legacy spanning several decades, the company has evolved from its modest beginnings into a trusted provider of insurance solutions. Amigo’s enduring mission is to ensure that you receive the protection you need while fostering trust and reliability.

As they continue to expand their reach and enhance their services, their dedication to serving policyholders remains unwavering. Learn about Amigo Insurance’s remarkable journey and their mission to protect you with a legacy of trust.

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Does Amigo offer other types of insurance?

If you need more than car insurance, Amigo can cover most of your insurance needs. These include:

• Motorcycle insurance. Like car insurance, you can buy liability, comprehensive, and collision coverage.
• Commercial insurance. Amigo offers liability insurance and other protections if you own a business, including worker’s compensation and services that cater to small businesses.
• Renters insurance. When you don’t own your home, you can still get insurance coverage to protect your belongings.
• Homeowners insurance. Amigo’s home insurance protects your personal belongings and the physical structure of your home. If you need specialty home insurance, like flood or earthquake, you’ll need to go elsewhere.
• SR-22 insurance. If you’ve lost your insurance coverage or had your license suspended due to traffic incidents, your state might require proof of insurance before you can drive. Amigo can submit an SR-22 certificate for you.
• Rideshare insurance. With the growing popularity of rideshare services like Uber and Lyft, it’s more important than ever for rideshare drivers to have the coverage they need. Amigo can fill in the gaps in Uber and Lyft’s coverages to ensure rideshare drivers are always protected.

As you can see, Amigo offers a variety of insurance products to fit almost any need. As a bonus, you’ll likely be eligible for a policy bundling discount if you buy more than one plan.

Amigo Car Insurance Reviews

One of the best ways to get to know an insurance company is by looking at the reviews. Usually, looking at professional ratings is a good place to start. However, Amigo is simply too small to have been noticed by the Better Business Bureau, J.D. Power, or A.M. Best.

As for customers’ opinions on the company, reviews tend to be positive. And although Amigo is focused on a small area, it has a lot of happy customers. For starters, Amigo supports the Latino community and is bilingual. And its Mexico trip insurance can help you travel out of the states with ease.

Drivers also like that Amigo is willing to work with high-risk drivers at affordable rates. While it’s easiest to get a plan in person, customers enjoy the easy Amigo car insurance online payment options. On the negative side, the most common complaint is about the customer service experience. There have been numerous complaints that agents are hard to get in touch with, and they can sometimes be rude when you do reach them.

Find the Best Car Insurance Rates Today

If you live in Illinois or any of the other states Amigo operates in, this small insurance company might be right for you. With a particular interest in the Latino community, you should consider Amigo insurance for your needs.

Amigo car insurance might be the best choice for you, but you should always compare quotes with other companies before you make a decision. Enter your ZIP code into our free tool to see what rates might look like for you.

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