AMA Auto Insurance Reviews

DON'T BE FOOLED BY AMA INSURANCE!
I went in to get insurance on my 18 year old vehicle. My wife and I are senior citizens. We signed the paperwork presented to us, which included a statement about a $100 premium retention if we cancelled the policy within 30 days. We specifically asked the agent, before signing the paperwork what would happen if we sold the vehicle, and he clearly told us that there would be a $100 premium retention if we cancelled early. The quoted premium for 1 year was $2,267, which is fairly close to the value of the vehicle.
Less than 48 hours later, we found a national insurer who offered us exactly the same coverage for $450 for 1 year. So we went back in to the AMA office to cancel the policy (less than 48 hours of receiving it). The agent told us we would not only lose the $100 premium retention, but they would also be charging us a $100 penalty for early cancellation. This 'penalty' was not mentioned in any of the paperwork we signed, nor was it mentioned by the original issuing agent.
We spoke to a supervisor, but she didn't care. She just said we breached the contract and would have to suffer the penalty for it. She didn't care that we were long time members of AMA, and she didn't care that we are seniors on a fixed income. In the end, we had to leave without any satisfaction because it was clear that they were not going to do anything for us. Their ethical practice and behaviour in forcing us to accept a penalty that was not mentioned in any conversation or described in any contractual documentation for less than 48 hours is despicable. SHAME ON AMA INSURANCE!

Half hour wait to connect, asked me personal question and told my insurance rate changes due to being single, hung up when I asked questions why.

Please, Please go with another insurance Company. This Company was the most scummy Insurance company I have ever had and honestly if I could have afforded a lawyer to sue the crap out of them I would have. Insanely long story over the course of 5+ years but TLDR:
I had a loan for a $60,000 car and took it on and off parking insurance for the winter ( it was a nice car and I only drove it in the summer )
When you have a loan it is REQUIRED you have full insurance if you drive it.
Spring time I had requested them to put my car back on full insurance in person.
The person who assisted me made an error and gave me BASIC INSURANCE.
(I STILL TO THIS DAY DON'T EVEN KNOW HOW THAT IS POSSIBLE ON A CAR WITH A LOAN)
I obviously have an accident a short while after that (within the month) and I go to claim my insurance (cause I obviously thought I was on full insurance, they denied because I only had basic).
They stole MY documents with my signature on them when I went in person to talk to them about this to try and hide the evidence. They kicked me out and refused to give me my documents (WHICH HAD MY WRITING ON IT AND I HAD BROUGHT IN)
A short while later they Emailed the documents to me which were clearly crumpled up and thrown in the trash.
An absolute unbelievable experience dealing with them regardless of the outcome. To take documents that I BROUGHT IN and KICK ME OUT without giving me my stuff back is INSANE.
And to also not take the fault for messing up and giving me the wrong insurance is just insanity, I obviously was out all the money I put into the car, and also out all the money I paid for FULL INSURANCE UP UNTIL THAT POINT.
(Which I have proof of obviously)
I have brushed over a lot of other stuff that occurred but I HIGHLY suggest you look elsewhere for insurance. :)

I recently phoned AMA to let them know I wouldn’t be renewing my auto insurance. I did this because when I didn’t renew my home insurance I was plagued with email messages, phone calls, and letters about renewing my home insurance. I wanted to avoid that.

The representative kept saying I was cancelling my policy. I clarified that I was not cancelling it - I wanted it to continue until the policy’s end date in December.

This week I received a letter confirming that I asked them to ‘cancel’ my automobile policy. I would have ignored this except at the bottom of the letter it indicated they had CC’d the company that I have a loan with for my vehicle.

Why did they violate my privacy? Do they own shares in that finance company! Even so wouldn’t that be an inappropriate conflict of interest?

If they were concerned I was going to break the law by not having insurance, why write to a company that can’t enforce that law?
It seems to me this was a kind of juvenile petulant tactic to show their displeasure that I wasn’t renewing with them.

I had insurance with another company which took effect a day before my AMA policy expired before even advising them I was not going to renew with them. That really isn’t their business and I feel it’s a breach of my privacy. Not professional or appropriate.

Y’all aren’t ready for this one
Okay, so one day I decide I don’t wanna be with AMA anymore so I call and cancel my insurance, and pay whatever I need to pay so that they can finalize my cancellation I think I’m in there clear, the same day I sign up with a completely different insurance company. A couple of weeks pass by and to my surprise, AMA was still taking money but it was completely within their rights too because of the insurance term BUT another month goes by and AMA was still taking money from me, so I called them and was just disrespected from the beginning of the phone call to the end. But this dispute went one for days, and I was only able to get less than $300 but I was paying insurance over $400.

Phone customer service -10000000000/10 This is my third time calling on the phone and they treat their customers terrible. Absolutely no sense of customer service. Called 3 times, 3 different answers and the way they talk is awful. A representative talking to me like she is doing me a favor when I’m the one taking my business to you. SOO RUDE. Can’t imagine people like her still stay at the job. Need some serious auditing for customer service. My money with them for a full year so I can’t do anything about it. I’m practically STUCK with them. All other insurance companies are so much better. WORST CUSTOMER SERVICE. I haven’t been this frustrated in some time a company.

During COVID times, my father was in and out of the hospital and I was in an air cast for almost 6 months. My daughter and I worked together to become a multigenerational household to reduce expenses. Unfortunately, by doing this, the AMA decided that by having my daughter and son-in-law in the same home, I have to put them as full-time drivers on my policy changing my insurance payments from ~233$ per month to~550$ per month. Resetting my policy back to day 1. They then demanded that I pay the first 3 months immediately as a new client/policy, not even taking into account the 15 interrupted years as a client. It’s heartbreaking to be treated so poorly. There was some miscommunication during the move, but it was not necessary to be so aggressive and threatening in their response. I guess this is just an invitation for me to leave and look for a different insurance company that cares about loyalty, history and compassion during difficult times.