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Do you want to know more about Amigo Insurance before you buy it? Want to delve into the details of Amigo Insurance and understand its detailed offerings?

This article dives deep into the minute details of Amigo Insurance. It thoroughly examines its policies, coverages, and services to help you make a knowledgeable decision.

Key Takeaways:

What is Amigo Insurance?

Amigo Insurance Home Page
Source: Screenshot from amigoinsurance.com

 

Amigo Insurance Agency is an Illinois-based private Insurance company that offers insurance products and services in multiple verticals, including Auto Insurance, Motorcycle Insurance, Homeowners Insurance, Commercial Insurance, Renters Insurance, SR-22 Insurance, Travel to Mexico Insurance, and Uber/Lyft Driver Coverage.
Following their tagline “Quote, Pay, Print and Smile,” their focus is to simplify the process for clients to get customized insurance as per their needs and lead a peaceful life.

Amigo Insurance Agency’s Company Details:

Company Name

Amigo Insurance Agency, Inc.

Year Founded

2003

Headquarters

Cicero, Illinois, USA

President & CEO

Carlos Santiago

Number of Employees

68

Revenue

$19.5 million

website

amigoinsurance.com

Types of Insurance:

Amigo Insurance offers a wide variety of Property and Casualty (P\C) Insurance products and services specializing in Auto Insurance.

The types of insurance products and services offered by Amigo’s insurance chain are as follows:

  • Auto Insurance
 
  • Motorcycle Insurance
 
  • Commercial Insurance
 
  • Homeowners Insurance
 
  • Renters Insurance
 
  • SR-22 Insurance
 
  • Travel to Mexico Insurance
 
  • Uber/Lyft Driver Coverage

Amigo Auto Insurance

Amigo Insurance Auto Insurance Page
Source: Screenshot from amigoinsurance.com

Auto Insurance is a must if you own a car, as it saves you from financial loss or any other costs associated with a car accident. Car accidents are unfortunate events that do happen.

If you or your car damages the property of others or causes bodily injury, then there is a high possibility of you getting sued. Proper auto insurance saves you from such instances. Amigo solves that issue with economical auto insurance rates and reliable vehicle coverage.

Amigo Auto Insurance provides one of the most comprehensive auto insurance with all the essential coverages at affordable rates. It also allows you to customize the insurance policy and coverages to suit the client’s needs.

Queries to be made to an Auto Insurance Agent before getting the Insurance:

  • Do you want to keep the premiums low? Then inform the agent how much you can afford to pay if you are involved in an accident. Ideally, it would be best to pay higher for repairs and opt for a higher deductible.
 
  • It would help if you enquired about the insurance firm’s level of service and ability to pay the claims.
 
  • Ask them about the discounts the Auto Insurance company offers, such as good driver discounts, discounts for getting multiple policies, or student discounts.
 
  • Get detailed information about the process of filing a claim and points of communication just in case you are involved in a car accident.

Amigo Auto Insurance Coverages:

  • Property Coverage

 

If there are damages caused to your car or if your car is stolen, the Property Coverage offers protection

 

  • Liability Coverage

 

The Liability Coverage protects you against lawsuits if you are responsible for property damage or bodily injury to others due to an accident.

 

  • Medical Expenses Coverage

 

In case you need to treat your injuries, rehabilitate, or sometimes if you have lost wages because of your inability to work post-accident or if the accident results in death and there is a need to arrange a funeral, then the costs associated with all these things are covered by the Medical Expenses Coverage.

 

Note: Usually, there are six different kinds of coverage in Auto Insurance. Most of the states require only some of them. However, some states and the lender from whom you are financing the car may ask for all the coverages to be included.

Amigo Motorcycle Insurance

Amigo Insurance Motorcycle Insurance
Source: Screenshot from amigoinsurance.com

Amigo Motorcycle Insurance provides comprehensive, affordable rider and motorcycle coverage.

It provides the same coverages as included in Amigo’s Auto Insurance Policy.

Queries to be made to a Motorcycle Insurance Agent before getting the Insurance:

  • Do you want to reduce your premiums? Then convey the amount you can afford to pay in case of a motorcycle accident or if it is damaged or stolen. Usually, it can be reduced by raising your deductible.

  • Ask the agent about the discounts provided by the insurance firm. Ask if they offer discounts if you insure multiple motorcycles or take a safety class. Discounts are also often offered if you are part of a verified motorcycle group or association and your bike is parked in a garage.

  • You should also ask the agent how much medical and liability coverage you should have to suit your needs.

  • Ask about the detailed process for filing a claim and how prompt actions are taken in case you meet with an accident when contacting customer care.

Tips and Suggestions to Reduce the Motorcycle Insurance Premium:

  • If you are a motorcycle rider, you can get 10-15% discounts if you graduate from a safety training course like the Motorcycle Safety Foundation (MSF) rider course. It is beneficial if you are a rider below the age of 25 as they are considered high-risk clients by Motorcycle Insurance companies.

  • You can also get discounts if you maintain a good riding record with no traffic violations.

  • If you are in the northern states, you can save on your premiums by opting for the “lay-up” policy, which provides all coverage except comprehensive during winter.

  • If you insure multiple bikes or part of an Organization/Association or a mature rider, you get additional discounts on your premium.

  • Also, keep in mind that the type of motorcycle (sports or vintage) and the age also determine your premium’s value.

Amigo Commercial Insurance

Amigo Commercial Insurance is designed to protect your business from unforeseen events.
They protect you from damages caused by any accident or unfortunate events. It also protects you from a lawsuit from your employees if they are victims of an accident or feel they have been wrongly terminated.
It also offers protection to items and equipment, including cars used for business. You can always speak to the Amigo Commercial Insurance agent to customize your policy to suit your needs as per your business and the kind of risks that your business face.

Amigo Insurance Commercial Insurance Page
Source: Screenshot from amigoinsurance.com

Amigo Commercial Insurance Coverages

  • General Liability Insurance Coverage:
  • If there is bodily injury and related costs of medical care owing to any events or loss of services, or if your company needs to provide compensation in case of any death, then this coverage offers protection against such incidents.
 
  • If physical damage is caused to someone else’s property or any loss of use of anyone’s property, this coverage covers it.
 
  • Suppose there are any injuries from something that your company produced or the services rendered by your company. In that case, the Products-Completed Operations provides liability protection against the costs of the damages and the legal expenses that may be required if the injured party sues your company.
 
  • Suppose a person sues your company due to a product-related injury or accident. In that case, your company produces Products Liability insurance specifically designed for that purpose.
 
  • If any liabilities may be associated when signing a contract, then the Contractual Liability coverage offers protection against those liabilities.
 
  • Common coverages include Reasonable Use of Force, Borrowed Equipment, Liquor Liability, Non-Owned Vehicles, Fire, Lightning, Explosion Damage, Water Damage Liability Protection, and Legal Defense Costs.
 
  • It also protects Medical Payments, Personal Injury, and Advertising Injury and offers specially designed liability protection for a business per its owner’s need.

 

Some of the additional commercial coverages that can be included separately are as follows:

Commercial Auto Insurance Coverage:

  • The common practice among clients is to use the same vehicle insurance for both business and pleasure. However, getting Commercial Auto Insurance coverage is advisable when using the vehicle for business.
  • If a business owns it, the business name should be reflected on the “Principal Insured” section of your policy document, or else you might face issues when filing a claim.
  • The Commercial Auto Insurance Coverage by Amigo includes protection against liability, collision, comprehensive medical payments or personal protection, and coverage for uninsured drivers. You can further customize the policies by talking to an agent.

Worker’s Compensation Insurance Coverage:

  • The Worker’s Compensation Laws were introduced to protect the interests of the employees just in case they are injured or are victims of unfortunate events in a company. It is mandatory in some states.

  • They primarily include offering monetary rewards. It is not to be confused with health insurance. This coverage deals explicitly with injury-related claims.

  • Worker’s Compensation Insurance Coverage will help your company if any of your employees are injured on the job, and you must pass on the benefits to them when they file a lawsuit against your company.

  • It covers payments to workers if they lose time from work due to an injury, medical expenses, and rehabilitation services. It also covers death benefits to surviving families, including spouses and dependents.

Amigo Homeowners Insurance

Home is the most expensive investment for most people in their lifetime. So, protecting an investment as valuable as this is always a good idea.

If your home is caught up in any disasters, then Amigo Homeowner’s Insurance offers protection against the financial losses you may incur.

Amigo Insurance Homeowners Insurance Page
Source: Screenshot from amigoinsurance.com

It is a package policy that includes damage to your property and the liability to pay for damages to anyone else’s property or bodily injury to other family members or anyone else. It also includes pets.

It covers most disasters, such as floods and earthquakes, with some exceptions. However, you should remember that the coverages for floods and earthquakes are separate and must be added to your policy to be covered.

Queries to be made to a Homeowners Insurance Agent before getting the Insurance:

  • It would be best if you talked with the agent regarding the features of your home and all the things you own in the house so that you can estimate the costs of rebuilding the house and replacing those belongings. The premium of the insurance will be dependent on the info.
  • What are the discounts that apply to your homeowner’s insurance? Does it provide discounts for multiple policies, discounts for having a security system, discounts for having a fire resistance system, etc.?
  • Ask how promptly assistance will be provided in case of a disaster and the details for filing a claim. Also, please enquire about the point of communication when contacting them after any unfortunate incident.

Amigo Homeowners Insurance Coverage

  • Natural Disaster & Fire Coverage

If you are a victim of a natural disaster or a fire and your house is damaged or destroyed in the process, the insurance will cover the expenses to repair or replace it altogether.

  • Guest Coverage

This coverage protects against any costs associated with injury, liability, and medical care of guests in your home.

  • Theft & Vandalism Coverage

It covers the loss or the cost of repair of your house just in case you are a victim of theft or vandalism.

  • Coverage for Lender

If you have financed your home, the lender may require insurance for any unforeseen events. This coverage provides protection for your lenders in any such situation.

Note: The homeowners must remember that the Amigo Homeowners Insurance will cover costs associated with unforeseen events or incidents and will not cover costs associated with routine maintenance. It is the homeowner’s responsibility.

Amigo Renters Insurance

Renters insurance is for those renting places to stay and not owners of that home. All your belongings in a rented place or a friend’s place are not insured, even if the house owner has home insurance.


Amigo Renters Insurance is a cost-effective way to protect your items and belongings from fire, theft, smoke, etc. In the case of any disaster, the renter’s insurance will pay for the repairs or even replace them if they are a total loss.

Amigo Insurance Renters Insurance Page
Source: Screenshot from amigoinsurance.com

Amigo Renters Insurance Coverages

  • Personal Property

It offers protection of your personal properties in the rented house, including clothes, electronics, jewelry, and furniture.

  • Additional Living Expenses

It offers protection in case you are in a situation where you are suddenly without a place to stay and need money for food and a temporary place to live.

  • Liability Protection

It offers liability protection if somebody sues you if they are injured while at your rented property.

Amigo SR-22 Insurance

Sometimes the DMV may ask for SR-22 Insurance in addition to regular Vehicle Insurance if you drive under the influence of alcohol, drive without proper vehicle insurance, are a habitual offender, or were involved in an accident.

Amigo SR-22 Insurance offers services to cover the requirements of the DMV. The cost of the premium may vary depending on the severity of the violation or the offenses.

For example, suppose it is just a parking ticket violation. In that case, the premium will be standard and affordable. Still, if someone is driving under the influence of alcohol or drugs, it may significantly increase the value of the premium.

Amigo Insurance SR-22 Insurance Page
Source: Screenshot from amigoinsurance.com

 

Important Points to notice regarding SR-22 Insurance:

  • Depending on how severe the crime is, the SR-22 Insurance needs to be carried out for a designated period of time.

  • During the time of the SR-22 Insurance, one must maintain continuous liability coverage. It is usually applicable for up to three years.

  • If there are any breaks in the coverage, the insurance company is forced by law to report it, which may lead to the suspension of the driving license.

  • Besides having the appropriate insurance, drivers with SR-22 must abide by all traffic laws and should not drive vehicles after consuming alcohol.

  • Once the SR-22 designated time period is complete and the driver has abided by all the laws, the SR-22 status will expire, and all the driving privileges will be restored.

Amigo's Travel to Mexico Insurance

If you are in Mexico and unfortunately have an accident, your Auto Insurance from the United States will not cover it.

Amigo Travel to Mexico Insurance ensures you are covered for minimum liability, including damages and injuries, so you can drive freely with peace of mind and without worrying about Mexican Authorities detaining you to prove that you can cover the costs.

Amigo Insurance Travel to Mexico Insurance Page
Source: Screenshot from amigoinsurance.com

 

Documents Needed for Amigo’s Travel to Mexico Insurance

  • Your travel Itinerary (Dates) for your Mexico travel

  • Your Driver’s License

  • Your Vehicle Registration

  • Your Proof of insurance in the United States

Amigo's Uber/Lyft Driver Coverage

Suppose you are an Uber or Lyft Driver or any driver for any other gigshare companies like DoorDash, Instacart, or TaskRabbit. In that case, it is advisable for Amigo’s Uber/Lyft insurance coverage.


Although companies like Uber and Lyft provide insurance, if you are driving and not delivering a package and meet with an accident, your insurance may not cover the injury or damage costs.


So, without proper coverage in such instances, you will become a victim of substantial financial loss, whether you need bodily injury medical costs or if others sue you because of the injury caused by you to them or their properties.


Amigo’s specialized Uber/Lyft Coverage ensures it offers you protection with coverages beyond the minimal requirements of the rideshare companies.

Amigo Insurance Uber-Lyft Insurance Page
Source: Screenshot from amigoinsurance.com

Drawbacks of Amigo Insurance

  • It is limited to only Illinois, Indiana, Wisconsin, Texas, and Mexico, with pending coverage areas in Nevada, Arizona, and Georgia.

  • It is a small private insurance company compared to the insurance giants like Progressive or Allstate, with less than $20 million in revenue.

  • Although it provides all kinds of P/C Insurance, its main focus is Auto Insurance. There is a lot of room for improvement in other areas.

  • Its travel insurance, which is auto insurance, is only limited to Mexico.

  • It does not have an iOS app.

Amigo Insurance Competitors

As per Zoominfo, Amigo Insurance’s Top Competitors are as follows:

Name of the Insurance CompanyRevenueNumber of Employees
Cal Coast Insurance$ 97.3 million74
Clauss Bovard Agency Inc.$8.8 million<25
Nielsen-McAnany Insurance Services Inc.$11.5 million40
Insuramerica$6.5 million<25
Funakoshi Insurance Agency$6.9 million33
Purdy Insurance Agency Inc$6.8 million<25

 

How to Get a Free Quote for Amigo Insurance?

Online Quote

To get the quote through their online service, follow the following steps:

Step 1: You need to visit the Amigo Insurance Homepage.

Amigo Insurance Quotation Dropdown Menu on Homepage
Source: Screenshot from amigoinsurance.com

Step 2: You can either select the type of insurance you want and then enter the Zip code and click the “Get a Quote” button on the “Get a Quote” form in the top right section and go straight to the form page, or You can click on “Get a Free Quote” button on the main menu.

Amigo Insurance Car Insurance Quotation First Page
Source: Screenshot from amigoinsurance.com

Step 3: As the page loads, click the “Get a Free Quote” button on the main menu, and enter the zip code.

Amigo Insurance Quotation Form
Source: Screenshot from amigoinsurance.com

Step 4: Then as the form loads, enter all the information regarding your location, name, and email and check whether you want a Non-owner Policy or not and if you already own insurance, and then click “Continue.”

  1. Enter the Vehicle details.
  2. Enter the Driver Details
  3. Receive the Quote.

Note: It should be noted that online Quotation may not be available for specific states, and a direct agent needs to be contacted for a quote. If it is not allowed, it will display a message on the screen when getting a free quote.

Get Quote over Phone Call

To Get Quotes over a Call, contact the following number: 773-847-9000

Amigo Insurance Call Us Form
Source: Screenshot from amigoinsurance.com

If you want the agent to call you, go to Amigo’s Call Us Page, fill out the form, submit it, and the insurance agent will you back.

Get Quote In Person

Amigos is currently present in Illinois, Indiana, Wisconsin, Texas, and Mexico, with pending coverage areas in Nevada, Arizona, and Georgia.

Amigo Insurance Find an Agent Page for In-Person Quote
Source: Screenshot from amigoinsurance.com

To get a quote in person, go to Amigo’s locations page and enter your zip code. It will show the locations with marker pins on the map where you can visit to talk to Amigo’s agents in person.

How to Buy Amigo Insurance?

You can either get a quote online by filling out a form and after looking at the policy and the premium costs, you can pay online to buy Amigo Insurance.
Alternatively, you can talk to an agent over the phone or physically, discuss your requirements and draw up the coverages according to your need and then purchase the policy through the agent.

How to Make a Payment for Amigo Insurance?

To make a payment online, you can either go the Amigo’s home page and scroll down to the footer and click “Make a Payment” or go to Amigo Insurance’s payment page and make the payment by fetching your details after entering your phone number and zip code. You can also enter your account number, but it is optional.

Amigo Insurance Make Payment Page
Source: Screenshot from amigoinsurance.com

 

How to Make a Claim for Amigo Insurance?

Online Claims Process

1.  To File a claim, you can visit Amigo’s home page, scroll down to the footer, click “Claims,” or go directly to Amigo’s Claims Page.

2. Then Enter the following details:

    • Policy Holder Information
    • Other Driver Information (If Applicable)
    • Claim Details
    • Add up to 5 Photos
    • Description of the Claim

3. Click on “Submit Claim”

Amigo Insurance Claim Details Page
Source: Screenshot from amigoinsurance.com

Phone, email, or Contact Us Claims Process

Alternatively, you can call them at 773-847-9000 or mail them at [email protected].

If you have any questions about coverage, you can also ask them by sending a message by writing the name, subject, and email. The agent will then respond asap.

 

Amigo Insurance Contact Us for Claims Page
Source: Screenshot from amigoinsurance.com

 

Amigo Insurance App

If you are using an Android phone, you can download the Amigo Insurance Mobile App from the Google Play Store to manage your account.

Amigo Insurance Customer Care

Amigo Insurance provides reliable coverage for multiple verticals and is known for its customer service. To get hold of their diversity of coverage and valuable services, you can use the following methods of communication.

Amigo Insurance Phone Number: 773-847-9000

Amigo Insurance Email: [email protected]

FAQs:

The most frequently asked questions are as follows:

If you are involved in an accident with an uninsured person, your auto insurance will bear the costs of damages and medical expenses, but only if it has full coverage. Liability-only coverage will not cover accidents with uninsured drivers.

Suppose you are held as the at-fault party in an accident, and the damages or the medical expenses exceed your policy coverage limitations. In that case, you will be held personally liable to pay the excessive remaining amount. If your coverage is $25000 for property damage, but the actual damage is $30,000, then your insurance will pay the $25,000, and you need to pay the excess $5000.

Liability Only Insurance covers only the minimum insurance coverage requirements of the state. However, it only covers the costs of the damages or medical expenses of the other driver or damage to the property of others, but it does not cover the damages, repairs, and replacement of your car.
On the other hand, Full Coverage Insurance covers the cost of damages, repair, salvage of vehicle, and replacement of your vehicle, but a deductible (ranges between $500 to $1000 mostly) must be paid by you.

On A Final Note

Amigo Insurance Agency Inc. is a small private insurance providing comprehensive auto insurance and many other insurances as part of their wide array of P\C Insurance offerings. It can be a good option for the people of the states where it is present who want good insurance at an affordable price.

It also offers customization options to suit your needs. It can be a great fit if you are a first-time buyer who wants to test the water by buying insurance and upgrading to better offerings.

 

Disclaimer: All the information presented in the article has been collected independently by BitMoneyAlpha and has not been reviewed or approved by Amigo Insurance. The product information may vary. Please check the issuer’s website for the latest information. The statements and opinions expressed in this article belong to the author and do not necessarily represent the views or opinions of any insurance issuer. The content is for informational purposes only. It is not financial advice.

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