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How Do South Florida Drivers Feel About Amigo Auto Insurance?

The word “Amigo” means “friend” in Spanish, which is exactly what the insurance agents at Amigo Kingsway want to convey to their customers. Their head office is located in sunny Miami, FL, and in case the name didn’t make it clear, they are equipped to take care of the unique automotive insurance needs of Hispanic residents in the South Florida region.

Amigo Insurance Review

It’s hard to get a consistent reading on where Amigo stands, both in terms of financial strength and how their customers feel about the service. Despite going by many names (Amigo, Kingsway Amigo, Kingsway Financial Services, Mendota, etc.), the major credit reporting agencies don’t seem to have any concrete information on the financial strength of this company.

As far as customer reviews go, there isn’t very much information on that, either. The company’s Facebook page has only a handful of reviews, two of which are from unhappy customers which describe their negative experience with Amigo in detail. There are also three more reviews from people who chose not to leave a comment. To their credit, however, they happen to have an A+ rating with the Better Business Bureau.

Ratings Agency Rating
A.M. Best No Rating
Better Business Bureau A+

Amigo Insurance Discounts

It is very unclear what discounts, if any, you should expect to see from Kingsway Amigo Insurance. In the past, they have offered the following discounts:

  • Transfer discount
  • Renewal discount
  • Multi-Car discount
  • Paid in full discount
  • Safe-Driver discount
  • Multi-Policy discount
  • Homeowners discount
  • Passive restraint Discount
  • Anti-theft device Discount
  • Senior Operator Course discount

However, all such information has been removed from all websites associated with Amigo, Amigo Kingsway, Mendota, and its affiliates. To find out what discounts they still offer, and how much you can save with them, your best bet is to contact an agent and discuss your insurance needs with them directly.

Amigo Auto Insurance Options

Most companies, especially those who claim to be able to provide customers with “coverage tailored to your specific needs”, tend to offer at least the bare minimum of coverage required by law. In the state of Florida, where Amigo does business, those minimum coverage options are:

  • Property Damage Liability
  • Personal Injury Protection
  • Bodily Injury Liability (if you have a serious accident on your recent driving history)

Other forms of coverage which Amigo may offer include:

  • Towing and Labor
  • Medical Payments
  • Uninsured Motorist
  • Rental Reimbursement
  • Comprehensive and Collision

The company’s new website also implies that they can help people who “have difficulty obtaining insurance from other sources”. For most drivers, the hardest type of coverage to get is SR-22 insurance. If you are in need of this specific type of policy, you might want to think about contacting an Amigo agent.

Comparing Amigo Insurance Quotes

It does not appear as though Amigo has a quick, efficient way to obtain a quote from their agency over the internet. But they do provide plenty of numbers for you to call if you would like to get in touch with a local insurance agent near you.

Miami Auto Insurance Comparison Legend: Electric State Farm Allstate Infinity Miami Miami Beach Hialeah Doral Coral Gables 20 40 60 80 100 120 140 160 180 200 $91 $103 $122 $141 $97 $56 $110 $147 $112 $194 $147 $207 $91 $157 $124 $137 $92 $103 $122 $160

The chart above contains estimated rates from a handful of large providers who can issue Miami residents an auto policy. You can use the data above to figure out whether a quote given to you by an Amigo insurance agent is the right price. Too low of a quote, and it may be too good to be true. Too high of a quote, and you may need to keep shopping around for the best deal.

Pros and Cons of Amigo Insurance

Pro Con
They have an A+ rating with the BBB There is little information available about the financial strength of the company or how happy their customers are
They prefer to do local, face-to-face business with Latin-American residents in Miami This company isn’t technologically savy; there is no way to get information, a free quote, or specifics about their policies online
They strive to help drivers obtain insurance when they have been turned down by other companies, or have unique legal requirements

Amigo Auto Insurance is a local insurance carrier in the Miami area who caters to the Hispanic South Florida population as well as drivers who have trouble obtaining conventional auto insurance. They prefer to do business in-person or over the phone (as demonstrated by their nearly complete lack of an online presence) which some customers may highly prefer. However, the dearth of information surrounding the company’s financial strength and customer satisfaction may be a cause for concern.

If you’re looking into Amigo for your automobile insurance needs, don’t stop there – enter your zip code below for several fast, free online quotes near you. It’ll only take a few minutes, and it could save you hundreds of dollars each year.

Corporate Headquarters
3155 N.W. 77 Avenue,
Miami, FL 33122

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