score70Ameriprise Auto Insurance Review: Quotes and Service (2023)
Compare Rates
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score705/5
discounts
3/5
complaints
3/5
satisfaction
4/5
stability
2.6/5
affordability
pros
Offers multiple add-on coverages such as accident forgiveness, roadside assistance, rental car reimbursement and gap insurance
Also offers OEM as an add-on coverage, which ensures aftermarket parts will not be used when repairs are made to your vehicle
Offers almost all commonly available discounts plus several not typically offered, such as volunteer discount (for 25 and under), new customer, low mileage and loyalty discounts
cons
Does not provide a discount for anti-theft system
Does not provide add-on coverage for new car or better car replacement or for deductible modification
Verdict
Ameriprise insurance premiums are moderately priced, and the company offers a number of discounts so you can save even more. Its MoneyGeek scores for financial stability and discounts are above average and are average in terms of customer satisfaction and complaints.
MoneyGeek analyzed different cheapest car insurance companies and the best car insurance providers nationwide to collate and compare information about the policies and each insurer. This information can help you choose the optimum car insurance provider for you. You can also use MoneyGeek’s comparison tool to differentiate Ameriprise against other insurance providers.
How Does Ameriprise Rank for Customer Service?
Ameriprise’s parent company, American Family, ranks fifth in MoneyGeek’s list of the best car insurance companies, with a score of 84 out of 100. Ameriprise is an ideal choice for students, as it offers student and education discounts to help students reduce their premiums.
Customer Satisfaction Rating
Based on data provided by J.D. Power, Ameriprise has a customer satisfaction score of 835 out of 1,000. This score is equal to the industry average, so Ameriprise's overall satisfaction is comparable to a typical insurer.
Customer Complaint Ratio
Ameriprise
The National Association of Insurance Commissioners (NAIC)’s customer complaints ratio has a median of 1.00. American Family’s score is 3.12, which means this company has many more complaints against it than the national average.
Ameriprise Auto Insurance Quotes: How Much Does it Cost?
MoneyGeek calculated affordability scores based on J.D. Power survey data and found that Ameriprise is moderately priced.
To see how much a car insurance policy would cost for you, it’s a good idea to get several personalized quotes for comparison. Unless you are shopping only for the cheapest car insurance policy, you may wish to consider factors such as coverages and discounts, customer satisfaction and complaints, and other variables apart from pricing.
Is Ameriprise Car Insurance Expensive or Cheap? Why?
Ameriprise is a moderately-priced car insurance company for an average driver.
Insurance companies do not share their method of calculating the rates for car insurance policies. Generally, however, all insurers tend to charge higher premiums based on certain factors like your driving history, age and where you live.
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Discounts Offered by Ameriprise That Can Help You Save
Ameriprise offers multiple discounts, which include most of the common ones like multiple cars, safe driving, bundling, pay-in-full, defensive driving, good student and airbag discounts. However, it does not offer the anti-theft system discount, which most insurers typically offer.
Still, Ameriprise does offer a number of unique discounts not offered by most car insurers. Among others, these include new customer and automatic payment discounts as well as a volunteer discount (for drivers under 25) and a low mileage discount for policyholders who drive less than 7,500 miles per year.
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The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.
Does Ameriprise Offer Broad or Unique Coverage?
Ameriprise, like all car insurance companies, offers standard coverages such as liability insurance, comprehensive and collision insurance.
You can also buy add-on coverages from Ameriprise, including rental car reimbursement, gap insurance, roadside assistance and accident forgiveness.
Ameriprise also gives you the option to add original equipment manufacturer (OEM) coverage. This additional coverage, which is not widely offered, ensures aftermarket parts will not be used when repairs are made to your vehicle.
What Online Auto Insurance Tools Does Ameriprise Offer?
Ameriprise offers all of the standard auto coverage features, as well as a good selection of add-ons. You can get some of these extras along with your standard coverage at no additional cost. Others are offered only to customers who enroll in the company’s affiliate programs. You should shop for car insurance by comparing rates from several providers so you can find the cheapest coverage for your needs.
Ameriprise’s website offers an online rate calculator and tools for online claim reporting and bill payments. This provider presents excellent coverage options and discounts.
- Type of FeatureDescription
- CalculatorsUse the rate calculator to find out your payment amount.
- Online Price QuotesYou can get a personalized quote by entering your ZIP code and details online.
- Online Bill PayAmeriprise offers the options of direct full-pay, installments and payment holiday.
- Online ClaimsYou can file your claim online if there are no injuries and only two cars are involved in the accident.
- Payment OptionsYou can elect to pay by check, money order, credit card, debit card or pre-authorized withdrawal from your bank account.
Other Ameriprise Insurance Products
You can get a discount if you bundle several different types of insurance policies with Ameriprise. Take a look at everything they have to offer aside from auto insurance.
- Type of ProductDescription
- Homeowners InsuranceAmeriprise homeowners insurance protects your home and also safeguards you from check fraud, identity theft and more.
- Renters InsuranceAmeriprise renters insurance covers personal property, liability protection, living expenses and earthquake damage.
- Umbrella InsuranceUmbrella insurance offers additional coverage if your insurance claim is more than your home or auto insurance plan's liability limits.
- Condo InsuranceCondo insurance is included with home insurance.
- Landlord InsuranceThis policy protects rental property and gives peace of mind to landlords.
Financial Strength
American Family gets a financial strength rating of A (excellent) from AM Best, which identifies it as a top insurance company. This rating is an independent opinion of a provider’s financial strength and ability to meet its contractual insurance obligations.
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How to Make a Car Insurance Claim With Ameriprise
You can report a claim online or on Ameriprise's 24/7 hotline. A claims representative will contact you to verify what happened. You may be required to provide photo and video evidence, as well as the police report. If your vehicle is damaged or totaled, Ameriprise will give you an estimate of the repair or replacement cost based on which you can claim a settlement.
Contact Ameriprise Car Insurance
Methodology and Assumptions
To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.
About Mark Fitzpatrick
sources
- AM Best. "About AM Best." Accessed January 2, 2021.
- J.D. Power. "2019 U.S. Auto Claims Satisfaction Survey." Accessed January 2, 2021.