iconribbonscore78

4/5

discounts

3/5

complaints

3/5

satisfaction

4/5

stability

4/5

affordability


pros

This is an iconReceived the top ranking in California in J.D. Power’s 2018 customer satisfaction survey
This is an iconOffers multiple discounts
This is an iconProvides a five-month payment plan for six-month policies, meaning you don’t have to pay your premium for one month

cons

This is an iconNo mobile app available
This is an iconNot offered in all states
This is an iconTo get some auto insurance perks, you need to pay a $120 Costco membership fee

How Does Ameriprise Auto Insurance Rate?

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. American Family’s score is 3.12, which means this company has many more complaints against it than the national average.

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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Ameriprise Insurance Features

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 Feature
    Description
  • Calculators
    Use the rate calculator to find out your payment amount.
  • Online Price Quotes
    You can get a personalized quote by entering your ZIP code and details online.
  • Online Bill Pay
    Ameriprise offers the options of direct full-pay, installments and payment holiday.
  • Online Claims
    You can file your claim online if there are no injuries and only two cars are involved in the accident.
  • Payment Options
    You can elect to pay by check, money order, credit card, debit card or pre-authorized withdrawal from your bank account.

Ameriprise Auto Coverage

Ameriprise's auto insurance coverage includes comprehensive, collision, roadside assistance and towing, rental car insurance, bodily injury insurance, property damage insurance, uninsured motorist coverage, medical expense insurance, PIP insurance, gap insurance and more.

  • Type of Coverage
    Description
  • Collision
    You can select collision coverage based on your vehicle's value and the estimated cost to repair it.
  • Uninsured
    Ameriprise provides uninsured and underinsured motorist coverage less than or equal to your bodily injury liability limits. It may also offer uninsured motorist property damage coverage, depending on your state.
  • Liability
    Bodily injury liability coverage pays for the costs if you injure an individual in an at-fault accident.
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Optional Insurance Features and Coverage

Ameriprise’s add-on features include towing reimbursement and roadside assistance, rental reimbursement, new car replacement, gap insurance, accident forgiveness, accident travel expense coverage and stolen key coverage.

  • Type of Option
    Description
  • Rental Reimbursement
    You can request and get paid for a rental car while your vehicle is in the repair shop.
  • Roadside Assistance
    Ameriprise provides free towing reimbursement and roadside assistance for Costco members who buy Ameriprise auto insurance.
  • Accident Forgiveness
    This is a free feature for policyholders of over three years. It ensures your first at-fault accident will not affect your discount for safe driving history.
  • Auto Glass Repair
    If your windshield gets damaged in a covered event, and it’s repairable, Ameriprise will waive your deductible.
  • Gap Coverage
    Gap insurance covers the difference between your car's value and the loan amount if your vehicle is totaled and the actual cash value claim payment does not match the amount owed on the car.

Available Discounts on Ameriprise Car Insurance Coverage

Ameriprise offers a range of discounts to attract more customers. However, not all discounts are available in all states. Check with an agent about the availability in your state.

  • Type of Discount
    Description
  • Safe Driver
    Eligibility is three years of accident-free driving.
  • Defensive Driver
    Ameriprise offers this discount to those who have completed a state-recognized defensive driving course that is not mandated by the court or as part of driver's education.
  • Good Student
    This discount is available to full-time students below 25 years of age who maintain a 'B' average.
  • Multi Vehicle
    You can save money by including two or more vehicles in your auto policy.
  • Loyalty
    A tenure discount is offered to members who have been with Ameriprise for three years. You can get added savings at other anniversaries if you stay with the company for a long time.

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 Product
    Description
  • Homeowners Insurance
    Ameriprise homeowners insurance protects your home and also safeguards you from check fraud, identity theft and more.
  • Renters Insurance
    Ameriprise renters insurance covers personal property, liability protection, living expenses and earthquake damage.
  • Umbrella Insurance
    Umbrella insurance offers additional coverage if your insurance claim is more than your home or auto insurance plan's liability limits.
  • Condo Insurance
    Condo insurance is included with home insurance.
  • Landlord Insurance
    This policy protects rental property and gives peace of mind to landlords.

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 and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources