As the name suggests, Connect car insurance connects Costco and American Family Insurance customers to its car insurance services. Known in the pastas Ameriprise Auto and Home Insurance, Connect was rechristened recently in 2020 with its acquisition by American Family Insurance. Powered by American Family, Connect offers auto, home, and umbrella insurance.
Pros and Cons
Offers range of discounts
Customer service can be improved
Exclusive member benefits
Absence of local agents
Unique coverage options
Digital claims and payments
See what you could save on auto insurance
Unique Connect Auto Insurance Features
What does it do?
This allows a Connect customer to renew your policy even after multiple accidents.
New Car Replacement Insurance
Covers the cost of a new car of the same make if yours is destroyed in an accident and needs replacement.
Premiere Safety Discount
This offers discounts based on one's safe driving history.
It allows the repair of windshields free of cost with the Glass Repair Deductible Waiver.
Personal Injury Protection: If you or your passengers are injured in a collision, it helps pay for medical costs and other healthcare expenses, regardless of who is at fault.
Liability Coverage: Medical and legal expenses of at-fault accidents are taken care of with this.
Comprehensive Coverage: This covers the cost of replacement or repair of your vehicle caused due to weather, fire, or vandalism.
Collision Coverage: Any damage caused to your car due to a rollover or a collision is covered through this.
Medical Payments: This would cover the funeral and medical expenses that arisedue to an accident.
Roadside Assistance: This covers you under instances of a flat tire, dead battery, or locked car key. It provides $75 per incident excluding the cost of gas, battery, or other fluids.
Rental Reimbursement: This can be used if the car you've insured is in the shop and you need to rent a car.
Connect Extra Car Coverages
Accident Travel Expense Coverage: Connect offers extra coverage for transport or accommodation if you've met with an accident 100 miles away from home and your vehicle is fit to commute.
Stolen Key Expense Coverage: This coverage is included in the comprehensive coverage without any deductibles under $250.
New Car Replacement Coverage: If your new automobile is damaged in an accident, new car replacement coverage can help you replace it with a vehicle of the same make and model for up to 110 percent of the sticker price, as long as the accident occurs within the first year of ownership or 15,000 miles.
Gap Coverage: Connect'sgap coverage provides you with the amount dueon a vehicle and its actual cash value if it is destroyed, damaged, or stolen.
Connect Auto Insurance Discounts
Connect extends its discounts to students, drivers with good driving history, drivers who purchase their insurance through Costco, American Family Members, bundle discounts, based on tenure and car safety features.
Member Discounts: All Costco members, and members of the American Family can avail of all the standard discounts offered along with 5-10% saving on their insurance rates.
Safe Driver Discounts: Completing a safe driving course, or having a clean driving record without an accident for 3 years makes one eligible for safe driver discounts.
Bundle Discounts: Connect provides discounts to the policyholders who bundle their car insurance with their home or life insurance. Multi-car discounts if you insure more than one car, and a multi-product discount if you are clubbing it with other insurances.
Safety Feature Discount: Cars with safety features like anti-lock brakes, airbags, automatic seatbelts, and other anti-theft devices are eligible for Connect discounts.
Garaging Discount: Connect offers discounts to those parking their cars in a garage. However, this is specific to locations.
Student Discount: Student drivers with impressive academic records are eligible for this.
Educational Discount: Connect also provides discounts to those who have completed 4 years of college education after high school.
Tenure Discount: The loyal members of Connect are eligible for discounts based on their years of association with the company. You are eligible for lower rates once you complete a specific tenure.
Connect Customer Feedback
Though restricted to 44 states, the discounts, and the lower premium rates are the important factors that have determined its popularity. The discounts are impressive, it even features options to cover 6 months premium for a 5-month payout. The proportion of complaints points to a major disappointment regarding customer service.
See what you could save on auto insurance
Connect car insurance is an affordable car insurance with lower average premium rates than most of its counterparts. It provides a string of discounts to members of American Family Insurance as well as the other policyholders. Though the absence of agents and digital streamlining is considered good, an unimpressive customer support is a major drawback here.
Since Connect falls under American Family, the independent rating of the company is unavailable. However, it is considered financially stable to pay out claims. It works well for those aiming at bundling their insurance and for those planning to manage their insurance digitally.
About Connect Auto Insurance
Established in 1987 as IDS Property Casualty Insurance Company, Connect was later known as Ameriprise Auto and Home Insurance. It was acquired by American Family Insurance on October 1, 2019, and was renamed Connect. Connect is situated in De Pere, Wisconsin, and provides es auto, home, and umbrella insurance through a partner-based distribution model. The partners of Connect also include Costco Wholesale and Ameriprise Financial.
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
Frequently Asked Questions
What states is Connect insurance available?
With the exception of Alaska, Louisiana, Maine, North Dakota, Rhode Island, and Wyoming, Connect sells insurance in all other states and Washington DC.
How do I cancel Connect insurance?
Policyholders must contact a customer service representative at (888) 239-9953. The cancellation will occur either immediately or at a later scheduled date.
How do I get a quote from Connect?
Connect insurance has streamlined all its policy handling digitally. One can obtain their quotes online by email or phone.
Is Connect and American Family Insurance the same?
Connect was acquired by American family insurance and provides auto insurance to its members. It also helps with the bundling of insurances, ensuring lower premium rates accordingly.