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Ameriprise Car Insurance Review

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Introduction

Are you looking for auto insurance? What are your usual criteria when planning to buy one? Of course, it will be to buy low-cost auto insurance with ample coverages and discounts. However, it won't be easy to find cheap auto insurance with decent coverage and discounts. But that's where Ameriprise auto insurance can be a blessing for a driver!

Whether auto insurance or home insurance, Ameriprise offers equal or cheaper rates than its competitors. Now known as Connect, Ameriprise auto insurance is available in 44 states and the District of Columbia. The insurer also provides coverages as a standard option when other insurers provide them as an optional one.

Ameriprise auto insurance can be a good choice if you're a low-risk driver. But, you may find comparable auto insurance rates, coverages, or discounts with other insurers. So, it would be best if you got multiple quotes before buying an insurance policy. Our detailed review of Ameriprise auto insurance and Ameriprise customer service will help you decide whether to buy this affordable insurance for your car!

Pros and Cons

PROS CONS
Offers affordable rates for low-risk drivers High-risk and young drivers need to pay a high cost for the insurance policy
Provides discounted insurance rates for Costco members Not ideal for a customer planning to buy a single insurance policy without bundling
A good choice for customers who like to bundle all their insurance policies together There is no discount for anti-theft systems. It doesn't offer add-on coverage for a new car or a better car replacement, or deductible modification
Mostly they have good customer service scores  
Offers multiple add-on coverages like roadside assistance, rental car reimbursement, accident forgiveness, and gap insurance. OEM optional coverage is also available.  

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Ameriprise Auto Insurance Coverages

Like other insurers, Ameriprise auto insurance provides standard coverages like liability, comprehensive, and collision. In addition, the insurer also provides coverage for roadside assistance, gap insurance, uninsured/underinsured motorists, medical payments, personal injury protection, and rental car reimbursement. You can also get original equipment manufacturer (OEM) coverage via Ameriprise.

Depending on your location, Ameriprise offers some extra coverage that may come standard with your auto insurance coverage. Most of the benefits listed below are common among major auto insurance companies; however, Ameriprise stands out with a few unique alternatives. For instance, many Ameriprise auto insurance policies provide accident forgiveness, which drivers normally purchase as additional coverage.

Accident forgiveness: You won't get charged for your first at-fault collision if you've had your policy for more than three years. This coverage isn't available in Kansas, California, or North Carolina.

Accident travel expense coverage: The insurer will contribute to your travel or lodging cost If you get involved in an accident more than 100 miles from home.

Streamlined claims and policy management process: You can report an accident by phone or online 24/7. You'll often get recommendations for repair shops. After buying the policy, you can maintain it online, including altering user information and payment methods.

Stolen key coverage: Comprehensive coverage covers your stolen car keys. There is no deductible for replacements that cost less than $250.

Glass repair deductible waivers: Your coverage deductible gets waived if your windshield can be repaired, such as from cracks on a road trip. The coverage won't be applicable for the replacement of the entire windshield.

Ameriprise auto insurance also provides several optional coverage options. Although adding these advantages to your policy would increase your premium, their availability will give you more flexibility in your policy coverage.

Comprehensive Glass Deductible: You can choose between paying no deductible or a low deductible for glass damage to your vehicle.

Collision Deductible Waiver: This coverage waives you collision coverage deductible when another driver is at fault.

Towing: Provides coverage for roadside assistance and covers the cost of towing a disabled car.

Substitute Transportation: When your car gets totaled, it covers the expense of a rental car up to select limits.

Ameriprise Auto Insurance Rates

High-risk drivers need to pay higher premiums when compared to safe drivers. The Ameriprise auto insurance rates vary based on the driver demographic. The premium rates of younger drivers are more than the older drivers. In addition, an at-fault accident increases your policy rate considerably.

Age category Drivers with a clean driving record Drivers with an at-fault accident on record
30-year-old single male $1,195 $2,078
20-year-old single female $3,343 $5,354
A 35-year-old couple with an 18-year-old son $3,238 $4,441

Ameriprise Auto Insurance Discounts

The insurer provides many auto insurance discounts based on your lifestyle while combining with other insurance policies. So, for example, if you're a safe driver who takes good care of your car, you could qualify for several discounts on your policy. However, Ameriprise's consumer discounts may be limited to specific states.

Ameriprise also offers discounts when combining your auto insurance with your homeowners or umbrella policy. The more you combine, the discounts get higher. And, if you're a client of Ameriprise Financial, the company's financial planning arm, you'll be eligible for a discount on your auto or home insurance policy. If you are a Costco member, you can save money on your house and auto insurance plans if you purchase them through Ameriprise.

Discount type Details
Multi-car It gets you discounts when you insure multiple cars
Garaging Offers a discount for drivers who park their car overnight in a garage
Good driver Discount for safe drivers. Available only in California
Defensive driver Offers a discount for drivers when they complete a state-certified defensive driving course
Multi-product It gives you a discount when you bundle auto, home, and umbrella insurance policies
Tenure Provides lower premium rates for customers who stay with Ameriprise for three years or more
Good student Discount for students who secure high marks in school
Student away Provides lower premium rates for student drivers who live around more than 100 miles away from home
Vehicle safety Offer a discount if your car has safety features like airbags, anti-lock brakes, or automatic seatbelts
Accident merit rating Ameriprise gradually reduces accident-related surcharges to your premiums each year, provided you don't get into another at-fault accident in the states where accident forgiveness isn't available
Premier safety Provides discount for drivers who have a clean driving record for the past four years

Ameriprise Auto Insurance Customer Satisfaction

Based on the Ameriprise auto insurance reviews, we found that Ameriprise offers average service for the customers. Most negative Ameriprise auto insurance reviews are about coverage ineligibilities, claims processing, and payments. A few customers also had issues with being unable to contact Ameriprise customer service representatives.

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Way.com Summary

Ameriprise auto insurance can be a good choice if you’re looking for an affordable insurance policy. The insurance rate can reduce significantly if you qualify for their discounts. However, one major drawback is that high-risk and young drivers need to pay high costs for the insurance policy.

Ameriprise customer service has a decent reputation. But, we found that customer complaints are more for auto insurance policies than home insurance. Ameriprise has an A+ rating from the Better Business Bureau (BBB) and an A rating from AM Best. So, the company has financial strength good enough to pay out the claims.

About Ameriprise Auto Insurance Company

Ameriprise Auto and Home Insurance is an insurance company that prioritizes customer satisfaction. In their own words, they are ‘insurance—handled with care. Ameriprise Financial, the parent firm, was founded in 1894 and is now listed on the New York Stock Exchange. One of the main features of the auto insurance firm is that it offers Costco customers discounted insurance rates, so it’s sometimes referred to as Costco Ameriprise Insurance. Now the firm is famous as Connect, owned by American Family Auto Insurance.

Contact Details

Type of Contact Contact
Home Office 3500 Packerland Drive
De Pere, WI 54115
Customer Service 888-239-9953
Claims Support 800-872-5246

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

Is Ameriprise a good company?

Yes. Ameriprise auto insurance is a good choice if looking for low-cost car insurance. In addition, some unique coverages and discounts can lower your premiums further. Safe drivers need to pay less for the policy. However, the premiums for young and high-risk drivers tend to be high.

Does Ameriprise have accident forgiveness?

Yes. The insurer provides this coverage as not an optional one. So, if you have had auto insurance for more than three years, you won’t get charged for your first at-fault collision. But, a driver based in California, North Carolina, or Kansas, won’t get this coverage in their auto insurance policy.

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