Ameriprise Car Insurance
Ameriprise Car Insurance Information
| Insurify Composite Score | 79 | Number of discounts | 18 | Number of reviews | 27 | User Rating | 3.4 | A.M. Best | A | Standard & Poor’s | A |
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Discounts
The largest discounts from Ameriprise are: Good Driver Discount, Provider Switch Discount, Daytime Running Lights Discount
| Discount Type | Discount % |
|---|---|
| Good Driver Discount | Varies |
| Provider Switch Discount | Varies |
| Daytime Running Lights Discount | Varies |
| Multiple Policy Discount | Varies |
| Loyalty Discount | Varies |
| Multiple Vehicle Discount | Varies |
| New Graduate Discount | Varies |
| Student Away at School Discount | Varies |
| Good Student Discount | Varies |
| Garaging Discount | Varies |
| Anti-Theft Device Discount | Varies |
| Anti-lock Brake Discount | Varies |
| Passive Restraint Discount | Varies |
| Defensive Driver Discount | Varies |
| Accident Free Discount | Varies |
| Accident (Merit) Rating | Varies |
| Accident Forgiveness | Varies |
| Seat Belt Use Discount | Varies |
Payment Methods
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Prepayment
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Credit Card Payment
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Debit Card Payments
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Mail Payment
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Bank Payment/Direct Deposit
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Automatic Online Payment
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Online Payment
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Mobile App Payments
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Electronic Check
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Multi-Payment Installment Plans
Features and Services
Ameriprise Insurance is most noted for its partnership with the big-box superstore chain Costco. Costco members can also receive auto and home insurance and qualify for numerous discounts if they buy a policy with Ameriprise.
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Online account management
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Mobile app
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Accident forgiveness
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24/7 service
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Roadside assistance
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Flexible / convenient payments
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Enhanced towing & substitute coverage
Car Insurance Coverage
Optional Coverage
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Roadside Assistance
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Rental Reimbursement
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Gap Insurance
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New Car Replacement Coverage
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Accident Forgiveness
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Glass Coverage
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Electronic Key & Lock Replacement
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Emergency Assistance Coverage
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Umbrella Policy
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Accidental Death, Dismemberment, Disability
Ameriprise Insurance by State
SR-22 Insurance by State
Ameriprise Insurance Products
Home Insurance
Ameriprise offers a variety of homeowners insurance coverages to fit your specific concerns and budget. Their coverage options include:
- Dwelling
- Other structures: Covers damage to structures detached from your home such as a shed.
- Personal property
- Scheduled property: Covers valuable, appraised items like engagement rings, antiques, etc.
- Water backup and sump overflow endorsement: Covers damage caused by backed up drain or broken sump pump.
- Earthquake
- Mine subsidence: Covers damages caused by a mine shifting below your home (mainly Illinois, Ohio, Kentucky, and West Virginia).
- Additional living expenses: Covers the cost of hotel stays if your home is deemed uninhabitable after a covered loss.
- Liability
- Medical payments
- Personal injury
Ameriprise offers additional benefits to homeowners, including:
- Identity theft protection: Covers up to $5,000 in costs related to recovering your identity.
- Stolen credit card use or check fraud protection: Deductible free coverage for unauthorized credit card purchases.
- Food spoilage protection: Covers up to $500 in food spoilage due to a power failure.
- Lock replacement expense protection: Covers up to $100 for lock replacement if your home is broken into.
Car Insurance
Ameriprise offers a variety of car insurance coverages and benefits so you can get coverage at an affordable price.
Ameriprise auto insurance coverage options include:
- Collision
- Comprehensive
- Roadside assistance and towing
- Rental car insurance
- Bodily injury
- Property damage
- Uninsured motorist
- Medical expense
- Personal injury protection (PIP)
- GAP insurance: Covers the full cost of replacing your new car or the remaining loan amount you have on the car.
Ameriprise auto insurance policyholders have access to multiple benefits, including:
- Accident forgiveness
- Windshield repair: Deductible-free windshield repair.
- Stolen key coverage: Covers the cost to replace car locks when your car keys are stolen. No deductible if the cost is under $250.
- Accident travel expense: Covers out of pocket travel expenses if your car breaks down 100 miles from home.
Condo Insurance
Ameriprise offers a variety of condo insurance coverages to fit your specific concerns and budget. Their coverage options include:
- Dwelling
- Other structures: Covers damage to structures detached from your home such as a shed.
- Personal property
- Scheduled property: Covers valuable, appraised items like engagement rings, antiques, etc.
- Water backup and sump overflow endorsement: Covers damage caused by backed up drain or broken sump pump.
- Earthquake
- Mine subsidence: Covers damages caused by a mine shifting below your home (mainly Illinois, Ohio, Kentucky, and West Virginia).
- Additional living expenses: Covers the cost of hotel stays if your home is deemed uninhabitable after a covered loss.
- Liability
- Medical payments
- Personal injury
Ameriprise offers additional benefits to homeowners, including:
- Identity theft protection: Covers up to $5,000 in costs related to recovering your identity.
- Stolen credit card use or check fraud protection: Deductible free coverage for unauthorized credit card purchases.
- Food spoilage protection: Covers up to $500 in food spoilage due to a power failure.
- Lock replacement expense protection: Covers up to $100 for lock replacement if your home is broken into.
Renters Insurance
Your landlords insurance may only cover the physical structure of your building, so you’ll need your own insurance to protect what’s inside your apartment. Ameriprise offers a variety of renters coverage and benefits to protect your personal belongings.
An Ameriprise renters insurance policy typically includes the following coverages:
- Personal property
- Liability
- Medical payments
- Personal injury: An optional coverage that protects against false arrest, detention, or imprisonment, wrongful entry, malicious prosecution, wrongful eviction, slander, defamation of character, libel, and invasion of privacy.
- Additional living expenses: Covers the cost of hotel stays if your apartment is deemed uninhabitable after a covered loss.
- Scheduled personal property: Covers valuable, appraised items like engagement rings, antiques, etc.
- Earthquake
- Water backup and sump overflow: Covers damage caused by backed up drain or broken sump pump.
A renters policy with Ameriprise comes with a handful of additional benefits including:
- Credit card and checking account fraud protection: Deductible free coverage for unauthorized credit card purchases.
- Identity theft protection: Covers up to $5,000 in costs related to recovering your identity.
Umbrella Insurance
Ameriprise offers personal umbrella insurance coverage for when the cost of an accident exceeds your auto or home insurance policy limits; it’ll pay the difference between how much your claim actually costs and how much your auto/home insurance can cover. Ameriprise requires you to own an auto insurance policy with them in order to purchase an umbrella policy.
With an Ameriprise umbrella policy, you can choose coverage limits from $1 million to $5 million that will provide extra coverage in the event of a:
- Car accident
- Guest injury
- Personal lawsuit
- Libel, slander, or defamation of character
ATV Insurance
Ameriprise offers a variety of specialty insurance policies, including all-terrain vehicles (ATV) coverage, through industry-leading insurance partners.
RV Insurance
Ameriprise offers a variety of specialty insurance policies, including motorhome (RV) coverage, through industry-leading insurance partners.
Boat Insurance
Ameriprise offers a variety of specialty insurance policies, including watercraft coverage, through industry-leading insurance partners.
Flood Insurance
Ameriprise offers a variety of specialty insurance policies, including flood coverage, through industry-leading insurance partners.
Motorcycle Insurance
Ameriprise offers a variety of specialty insurance policies, including motorcycle coverage, through industry-leading insurance partners.
Classic Car Insurance
Ameriprise offers a variety of specialty insurance policies, including classic and collector car coverage, through industry-leading insurance partners.
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Company History
Headquartered in Minneapolis, Minnesota, Ameriprise Financial, Inc. was founded in 1894. Ameriprise is a multi-billion dollar publicly traded company on the New York Stock Exchange. Ameriprise currently employs over 13,000 people.
Ameriprise Auto & Home Insurance is the insurance company subsidiary of Ameriprise. It specializes in auto, home and condo, renters, umbrella, and even specialty insurance. Ameriprise Auto & Home Insurance is the marketing name of IDS Property Casualty Insurance Company and Ameriprise Insurance Company (of De Pere, WI). Either company can underwrite an Ameriprise auto policy, depending on the state of the insured.
Ameriprise has a financial strength grade of "A" from A.M. Best, an independent assessor of insurance companies' financial health and ability to pay out claims.
Ameriprise Reviews
Most Positive Review
Value
Most Critical Review
January 28, 2018
Had Ameriprise for many years with no claims. Scraped the right front fender pulling into the garage resulting in a claim and insurance rates went from $2,100 every 6 months to $3,300 every 6 months. Only claim ever.i could have just paid for the repairs several times over for that increase.
June 15, 2018